Construction Loans
Construction Loans
As the #1 construction lender in Northeast Indiana, 3Rivers is the best choice to make your dream home a reality! We service our mortgages locally, right here in the community where you’re putting down roots, so when you have questions, we’re here for you, every step of the way.
With a Construction loan at 3Rivers, you’ll experience:
- As low as 5% down payment
- One-time close
- Lock in your interest rate upfront
- Fixed and Adjustable Rate loan options available
- Local decision making with prompt and continuous communication
- Interest only payments during the construction period
Ready to build your dream home from scratch now? Purchasing a piece of land to build on in the future? 3Rivers has financing options to suit your unique needs.
Land Loans
(Land outside of a subdivision)
- Up to 80% of purchase price
- Land appraisal required
- No acreage limit
- Loan amount maximum of $250k
- 3 year balloon
- Interest-only for 36 months, balance due month 37
- Soil testing recommended
Lot Loans
(Lot within a subdivision)
- Up to 80% of purchase price
- Appraisal may not be required
- Loan amount maximum of $250k
- 3 year balloon
- Interest-only for 36 months, balance due month 37
Ready to build your new home? Contact one of us today to get started:
Northeast Indiana
NMLS# - 810893 | C: 260.494.7708 | F: 260.310.8780 | E: dfivecoate@trfcu.org
With over 17 years of experience in originating mortgage loans, Dan Fivecoate has the skill and knowledge needed to guide our members through the process of financing a home – helping them to feel confident and at ease every step of the way. He strives to find the best solutions for our members’ unique needs – whether that’s purchasing or building a new home, or refinancing an existing mortgage.
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Northeast Indiana
NMLS# - 586063 | C: 260.273.8388 | F: 260.310.8780 | E: dlehman@trfcu.org
Doug has been a mortgage loan officer for over 40 years in northeastern Indiana and has been with 3Rivers for over 15 years.
Doug’s expertise makes him a mortgage lending leader in Fort Wayne, and he has earned the respect of many new construction builders in northeastern Indiana. He enjoys working with many referral sources, vendors, financial planners, and members to meet the goal of a successful transaction and loan closing for everyone involved. He has a focused concentration on working with complex loans and offers his support in positioning members for the rigors of new construction lending.
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Northeast Indiana
NMLS # - 586061 | C: 260.402.1820 | F: 260.310.8780 | E: dfisher@trfcu.org
Deanna Fisher has worked in the mortgage industry for over 20 years, spending nearly half of that experience at 3Rivers. She has a passion for working with first-time homebuyers and helping members with their new construction loans, watching their dream homes come to life.
Deanna also thrives on having a lasting relationship with members and showing them the credit union difference – remaining a resource for them and connecting them to 3Rivers’ additional solutions when it comes to any of their other financial needs.
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Northeast Indiana
NMLS# - 1599080 | C: 260.609.5832 | F: 260.310.8780 | E: bpoehler@trfcu.org
Ben Poehler comes to 3Rivers with many years of experience in customer service—having spent six years in real estate finance and three years specifically in mortgage lending. His emphasis on clear communication ensures members are well-informed throughout their entire lending experience. Utilizing his relationships and knowledge within the real estate industry, Ben commands a wide range of resources while he guides our members through the mortgage process. He recognizes that setting and reaching financial goals can be overwhelming and stressful, and strives to help members resolve their concerns and grow their confidence through a streamlined and professional process.
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Northeast Indiana
NMLS# - 413614 | C: 260.417.0104 | F: 260.310.8780 | E: lneal@trfcu.org
Liz Neal brings over 35 years of real estate and mortgage experience to 3Rivers. Having fallen in love with real estate after working as a receptionist in the industry early in her career, she decided to take the plunge and become a mortgage loan officer, proving herself as a top producer over the past two decades. She finds helping members fulfill their dreams of homeownership incredibly rewarding, and makes it a point to provide a personal touch every step of the way.
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Northeast Indiana
NMLS# - 2103179 | C: 260.600.3770 | F: 260.310.8780 | E: choran@trfcu.org
Chris Horan comes to 3Rivers with more than a decade of experience in the credit union industry, with a primary focus on building financial wellness through personalized lending.
Chris also possesses firsthand knowledge of the real estate and local title industry. He values the relationships he builds with members throughout the mortgage process, which result from him asking the right questions, listening their goals, identifying their unique needs, and assembling a team of experts to help them achieve financial wellness.
He strives to provide every member, realtor, and builder with the highest level of service. His extensive knowledge of 3Rivers’ products and services allow him the opportunity to provide all homebuyers—including self-employed borrowers and first-time homebuyers—with the ideal mortgage solutions, whether they’re building, buying, or refinancing.
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Northeast Indiana
NMLS# - 454467 | Cell: 260.602.9822 | Fax: 260.310.8780 | Email: jhalliwill@trfcu.org
Jon Halliwill, a graduate of the University of Evansville, has worked in the mortgage industry since 2003, and is experienced in all aspects of the home-buying process. He has worked with financial institutions in producing, managing, and training roles for more than 15 years, and specializes in all facets of mortgage lending.
In his free time, Jon gives back to our community by volunteering as a mentor for Big Brothers Big Sisters and taking part in the United Way’s “Real Men Read” program. More recently, he has joined Northeast Indiana Mortgage Banker’s board and Make A Wish of Northern Indiana. He is married, and has two daughters, who he enjoys spending time with at weekly soccer events.
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Northeast Indiana
NMLS# - 1683887 | C: 260.312.0079 | F: 260.310.8780 | E: ajay@trfcu.org
Alyssa Jay has over 12 years of experience in the mortgage industry, right here in Northeast Indiana. She has a rich history of helping people make their home-buying dreams a reality, and has gained a great deal of knowledge and experience along the way. From processing mortgages to servicing mortgage products – including purchases, refinances, and second mortgages, Alyssa is highly driven to help our members achieve their goals by ensuring they receive the right home loan product and providing a personalized, above-and-beyond experience along the way.
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Northeast Indiana
NMLS # - 1740119 | C: 260.385.4588 | F: 260.310.8780 | E: ttimmerman@trfcu.org
Tyra Timmerman is a Fort Wayne native with nearly a decade of experience in the banking and finance industry. Over the past several years, she has gained knowledge of a host of aspects in the mortgage industry, from loan processing to loan origination.
She strives to guide her members through home-buying and refinancing processes with care, efficiency, and attention to detail. She believes home loans are far more than a transaction, and each is an opportunity to build a lasting relationship
with our members and help them to achieve all their financial goals.
With a wealth of knowledge in mortgage lending, along with the many other banking solutions 3Rivers has to offer, Tyra provides our members with top-level service geared
toward helping them with all their financial wellness needs.
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Northeast Indiana
NMLS# - 1393211 | C: 260.341.6594 | F: 260.310.8780 | E: azimske@trfcu.org
Angie Zimske is an experienced home mortgage professional with over 20 years of experience as a Mortgage Loan Officer. Having previously worked in real estate title insurance, she has a deep understanding of all areas of the mortgage process.
Angie focuses on educating our members in all stages of their home-buying journeys while getting to know them and their financial goals to determine the loan programs that best suit their needs. She establishes relationships that foster confidence and goes above and beyond to ensure the process of getting a home loan goes as smoothly as possible. If you’re buying, building, or refinancing, Angie is always ready and willing to help!
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Richmond, Indiana
NMLS# - 502374 | C: 765.969.6949 | F: 765.373.3371 | E: jbackmeyer@trfcu.org
Jim Backmeyer has nearly 20 years of experience in the mortgage lending industry. Earlier in his career, he spent almost a decade as a managing broker for a local real estate company and is a former President of the Richmond Association of Realtors.
His unique background has made him a trusted leader and resource center in the mortgage lending industry. His knowledge, experience, community connections, and relationships with area realtors all help to ensure that members will receive prompt and personalized service and an experience that leaves them feeling confident not only in their home-buying endeavors, but in their overall financial goals, too.
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NMLS# 1897324 | C: 765-969-9678 | F: 765.373.3371 | E: rmiller@trfcu.org
Renee Miller has over 30 years of experience in the financial industry, specializing in the mortgage realm for nearly a decade. In addition, she has nearly 20 years of experience in business management, operating a Richmond-based eatery. These experiences make Renee uniquely qualified to work with members with a variety of financial needs. She enjoys problem-solving and working with our members to help fulfill their financial goals, mortgage and otherwise.
Renee has been a resident of Richmond for over 30 years and is very passionate about the community. She’s Vice President of Good Will Habitat for Humanity and in her time off, enjoys spending time with her family, boating, and exploring the great outdoors.
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