Refinance Your Loan
Refinance Loans
Have you reviewed your current mortgage rate, term, and payments lately?
With rates continually changing, refinancing could save you a significant amount of money in the long-run, or cut down on the time it takes to pay off the loan! Paying less over time or paying off the loan quicker opens up opportunities to focus on additional financial goals and even consolidate other debts with a lower rate if you have available equity in your home!
Our 3Rivers mortgage loan officers can help you look at potential savings opportunities by reviewing your current:
- Rate: If you have not compared your current rate to what is being offered today, now is a great time for us to talk, as it could save you hundreds – even thousands – of dollars!
- Term: Depending on your financial goals, changing your current loan term may help you reach them. By reducing your current term, you can pay off your home sooner and save thousands of dollars in the long-run. If your interest rate is higher than the current rates offered, shortening your term may not cost you any additional money on your monthly payment. Or, you may want to extend your term to save even more money on a monthly basis, helping your cash-flow. Extending your term may be an especially smart option if you know that your current home is not your forever or long-term home.
- Payment: Whether you’re looking to pay your home off faster, reduce your monthly payment, or use the equity in your home to take care of other obligations, 3Rivers has many potential opportunities and solutions that can help you accomplish your goals.
Helping to improve your current and future financial situation is our primary goal. We look forward to having a conversation with you and helping to set you up for success -- no matter your financial goals!.
Want to talk about your refinancing options? Contact one of us today:
Northeast Indiana
NMLS# - 408800 | C: 260.312.4991 | F: 260.310.8780 | E: jburke@trfcu.org
Jason Burke has over twenty years of management-level experience in the financial industry, with a primary focus on consumer lending and mortgages.
Jason strives to be a trusted advisor to each member, and a resource they can count on to support them with not only their home lending needs, but all of their financial wellness goals. Having experience outside of the credit union, he strongly believes that 3Rivers is unmatched in offering a variety of solutions for any and every financial situation, and works to identify each member’s unique set of needs to ensure they’re placed with the products and services best suited to them.
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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.
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Northeast Indiana
NMLS # - 713173 | C: 260.348.0299 | F: 260.310.8780 | E: achampion@trfcu.org
Amanda Champion comes to 3Rivers with over 20 years of experience in the financial field – with nearly half focused specifically on personalized mortgage solutions. She values relationships and sees mortgage lending as more than a transaction, taking the time to listen, ask questions, and build a team of experts to help guide our members toward financial wellness – now and through every phase of life.
Helping realtors and builders deliver an extraordinary experience, and ensuring all homebuyers – first time buyers, self-employed borrowers, veterans, and current homeowners – receive only the highest level of service are Amanda’s driving force. Whether you’re growing into a new home or downsizing, she can help you personalize financing options to fit your unique needs.
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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.
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Northeast Indiana
NMLS# - 445022 | C: 260.414.3504 | F: 260.310.8780 | E: ccobb@trfcu.org
Crystal has been a mortgage loan officer for nearly 20 years. She is proud to use her credit union expertise to help streamline the mortgage process for members and referral partners. She is passionate about the relationships she makes with her members, and she is keenly aware that she is guiding them through what is likely the largest investment of their life. She focuses her skills on helping her members purchasing or refinancing their current mortgage to keep costs to a minimum and their options expanded.
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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.
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Northeast Indiana
NMLS# - 1584273 | C: 260.515.6071 | Fax: 260.310.8780 | Email: pdavis@trfcu.org
Paul Davis understands that each member’s mortgage need is unique and uses his experience to ensure our members feel comfortable and confident by working closely with them to determine which of our solutions best fit their specific needs. He guides our members through every step of the home loan process, making sure they’re well informed and that they receive guidance and support from consultation to closing. He’s eager to assist you, whether you’re building, buying, or refinancing!
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Northeast Indiana
NMLS# - 408800 | C: 260.403.4681 | F: 260.310.8780 | E: tkeeling@trfcu.org
Tammy has been a mortgage loan officer in Northeast Indiana for over 20 years. With her experience, she understands the complexities involved with mortgage financing, and is able to guide members seamlessly through the home-buying journey. Tammy strives to make the process as transparent and easy-to-understand as possible, with the goal of providing an excellent member experience.
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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.
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Northeast Indiana
NMLS# - 613939 | C: 260.479.9311 | F: 260.310.8780 | E: mlevel@trfcu.org
Matt Level comes to 3Rivers with over 20 years of experience in the mortgage industry. He strongly believes in the importance of asking the right questions, and listening closely to members’ wants and needs, to ensure they’re matched with the right loan for their unique situation – knowing a home is likely the largest purchase they’ll make in their lifetime. He also works hard to make sure that members are relaxed and content through the entire building, buying, or refinancing process – and beyond.
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Northeast Indiana
NMLS# - 196258 | C: 260.402.4610 | F: 260.310.8780 | E: mruiz@trfcu.org
Mike has been a mortgage loan officer for over 10 years.
He enjoys helping members with their unique financing needs. With his background and knowledge in mortgage products and services – as well as his knowledge of the array of products and services available at 3Rivers – he has the ability and desire to help members better their financial wellness, as it relates to home-buying and beyond.
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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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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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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.
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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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Richmond, Indiana
NMLS# - 1270727 | C: 765.914.0909 | F: 765.373.3371 | E: kthornsberry@trfcu.org
Krista Thornsberry has nearly a decade of mortgage lending experience and over 40 years of practice in providing superior customer service. She has a passion for helping people achieve their financial and homeownership goals. Krista has degrees in business and accounting, enabling her to provide a unique level of expertise to our members. She loves giving back to her community through various organizations and enjoys spending time with family and friends.
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