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Building, buying, or refinancing?

It’s not just a house, it's your home. It’s about your life and your family. It’s a big deal, personally and financially. When you apply at Interra Mortgage, you’re supported by people you know and trust in our communities. Interra’s mortgage loan originators will work to match you with the mortgage that meets your needs and lifestyle. They will help navigate the smallest of details to make the process as easy as possible for you.

Consider these Benefits of Working with Interra Mortgage:

  • In-house local processing, underwriting, and closing.
  • Mortgage loan originators available throughout the credit union’s service area.
  • Interra servicing – pay your mortgage loan at any credit union office.1
  • From now until June 30, 2024, any first time home buyer loan4 closed, allows you to have the origination charges waived!

Conventional Loans

  • Fixed and Adjustable rate programs
  • Flexible loan terms
  • Mortgage Servicing retained by Interra
  • Down payment as low as 3%
  • Eliminate PMI with first and second mortgage options

Jumbo Loans

  • Fixed and Adjustable rate programs
  • Down payment as low as 10%
  • Purchase, Rate & Terms or Cash-out Refinance

Other Portfolio Loan Options

    • Amish Loan Programs - Amish Aid Insurance approved
    • Closed-End Second Mortgage Program
    • Home Equity Lines of Credit (HELOC)
    • Individual Taxpayer Identification Number (ITIN)
      • Permanent/Non-Permanent Resident Alien
    • Manufactured Homes
      • Conventional or Portfolio
    • Vacant Land/Lot Loans
      • Buy now for future residential construction
    • Zero Down/First Time Home Buyer
      • True Zero Down with Lender Paid Mortgage Insurance

    Construction Loans

    • Fixed or Adjustable rate programs
    • One-time close
    • Interest only during construction
    • Online/Mobileplatform to monitor the entire process
    • Amish home designs - Amish Aid Insurance accepted
    • Purchase/Refinance plus home improvement options
    • From now until September 30, 2023, any new construction loan3 closed, allows you to receive $500 in lender credit at the time of closing!
      • Amish financing available
      • Purchase plus improvement options
      • Watch the funding of your construction loan using our app
      • One-time close; rate locked in at origination
      • 12-month construction period

    Member Benefits of Interra Mortgage

    • Lender of choice - #1 in mortgage production in Elkhart County in 2020 and 2021
    • Local decision making throughout the loan process
    • Free pre-qualification and pre-approval
    • Lenders available throughout our service area
    • Online access to:
      • Check today's rates
      • Start/Finish your loan application
      • Review your loan status and upload documents
    • Mortgage Servicing retained by Interra
      • Pay your mortgage loan at any Interra branch1

    Learn More and Apply

    • Apply online
    • Call Interra at 574.534.2506 or 888.432.2848
    • Schedule an appointment
    • For personalized service, visit your Mortgage Service Advisor at any local Interra branch

    Need more information about mortgages?

    • Find more FAQs here.
    Calculate a Mortgage Payment

    Visit the Mortgage Center

    Find current rates, get a quote for a purchase, or refinance, apply for a loan, and more. Once you’re ready to start the process, make sure you bring the essential documents to your appointment.

    Lori Bolyard
    AVP, Manager Mortgage Sales - Advisor
    Gina Champion
    Mortgage Loan Originator
    Lexy Hayford
    Mortgage Loan Advisor
    Edward Hernandez
    Mortgage Loan Advisor
    Ryan Kruzick
    Mortgage Loan Advisor
    Laurie Tatich
    Mortgage Loan Originator
    Dan Temple
    Mortgage Loan Advisor
    Shari Vermillion
    Mortgage Loan Advisor


    1With few exceptions, you can pay your loan locally at Interra offices. Some restrictions apply. 2Carrier rates and fees may apply. Terms and conditions of this offer, including its termination, may change without prior notice. Loan subject to qualifications. Not all will qualify. 4Any new Interra Credit Union first time home buyer's application received between August 29, 2023, and December 31, 2023, will have the origination charges waived. Offer available for primary residence only. Must be 18 years of age or older. Terms and conditions of this offer, including its termination, may change without prior notice. Loan subject to qualifications and approval. Not all will qualify. NMLS #623379