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Residential Mortgages

Home Loans

Building, buying or refinancing a house? It’s 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 match you with the mortgage that meets your needs and lifestyle, and 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

  • Lender of choice - #1 in mortgages recorded in Elkhart County in 2017
  • 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

Interra’s Programs

Conventional Loans

  • Fixed and adjustable rate programs
  • Terms: 10, 15, 20 and 30-year loans
  • Down payment as low as 5%
  • Jumbo loan options
  • Amish mortgage programs available – Amish Aid Insurance approved
  • Eliminate PMI with 80/10 combination first and second mortgage options

FHA Programs

  • First time home buyers welcomed
  • Government insured loans
  • Terms: 15, 20 and 30-year loans
  • Down payments as low as 3.5%
  • Less than perfect credit allowed – apply to see if you qualify

USDA – Guaranteed Loans

  • Purchase of primary residence only
  • Term: 30-year only
  • Down payments as low as 0%
  • Property and Income must qualify
    • Geographic and maximum household income limitations

Unique Loans

  • Bridge loans – utilize your current equity for down payment funds
  • Manufactured homes – financing options available

Construction Loans

  • Fixed Rate – minimum credit score of 700
    • 1-time close
    • Rate locked in at origination
    • 8-month construction period
    • Interest-only payments due during the construction period
  • Adjustable Rate (ARM) – minimum credit score of 680
    • 7/1 ARM – initial fixed rate for first seven years; adjusts annually thereafter
    • Initial rate lock at origination
    • Amish design accepted – Amish Aid Insurance approved
    • Purchase plus improvement options


Visit Interra’s Mortgage center to 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.

Rates & BenefitsApply NowE-Mail Mortgage

First Time Homebuyers Program

Interra Credit Union offers a program to make it more exciting and less intimidating to buy your first home.

  • $1,000 off closing costs leaving you with more cash in your pocket2
  • Contact Interra for more information and to set up an appointment3

Residential Mortgage Team

Peggy GuyasPeggy Guyas
Mortgage Loan Originator
574.534.2506 ext. 7160
NMLS #449831
e-mail
Personal Website

Lori BolyardLori Bolyard
Mortgage Loan Originator
574.534.2506 ext. 7348
NMLS #713711
e-mail
Personal Website

Tim HershbergerTim Hershberger
Mortgage Loan Originator
574.534.2506 ext. 7174
NMLS #399953
e-mail
Personal Website

Peggy MiltonPeggy Milton
Residential Mortgage Originator
574.534.2506 ext. 7171
NMLS #740370
e-mail
Personal Website

Carmen GonzalezCarmen Gonzalez
Mortgage Loan Originator
574.534.2506 ext. 7254
NMLS #1239381
e-mail
Personal Website

Andy HarlowAndy Harlow
Mortgage Sales Manager
574.534.2506 ext. 7173
NMLS #399952
e-mail

Stephanie WeldyStephanie Weldy
Mortgage Loan Originator
574.534.2506 ext. 7408
NMLS #1368252
e-mail
Personal Website

Jose RodriguezJose Rodriguez
Mortgage Loan Originator
574.534.2506 ext. 7829
NMLS #1462977
e-mail
Personal Website

LeAnne FrancisLeAnne Francis
Mortgage Loan Originator
574.534.2506 ext. 7821
NMLS #904792
e-mail
Personal Website

Laurie TatichLaurie Tatich
Mortgage Loan Originator
574.534.2506 ext. 7327
NMLS #279989
e-mail
Personal Website

Please do not submit personal information such as credit/debit card numbers, account numbers, social security numbers, etc. through e-mail. E-mail is not secure. As an alternative, please send us a message through Interra Online Banking or call or visit any Interra office.

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Voted by the readers, the best of the best, 2018, by the Goshen News. The Elkhart Truth, voted the best of Elkhart County, 2018. Voted the Favorite of Elkhart County by The Elkhart Truth, 2018.
1With few exceptions, you can pay your loan locally at Interra offices.
2Offer available to first time home buyers, single-family, primary residence only. Some restrictions apply.
3Some restrictions apply.

Equal Housing Lender ASI

Your savings insured to $250,000 per account.  By members' choice this institution is not federally insured.