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
- Any new lot loan that is closed between now and December 31, 2024, that converts to a construction loan4 within a year of purchase, may have origination charges waived.
Interra is currently completing a new system upgrade for mortgage applications. New enhancements will allow for an easier application process, enhanced communication with loan progress updates, and so much more. Unfortunately, during the beta testing phase, it has caused an unplanned delay in current loan processing. We greatly apologize for this. Please contact us directly for any questions or additional assistance. Thank you in advance for your patience.
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; rate locked in at origination
- Interest only during construction
- Online/Mobile2 platform to monitor the entire process
- Amish home designs - Amish Aid Insurance accepted
- Purchase/Refinance plus home improvement options
- Amish financing available
- Purchase plus improvement options
- Watch the funding of your construction loan using our app
- 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
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.
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. 3Any new lot loan that is closed between now and December 31, 2024, that converts to a construction loan within a year of purchase, may waive origination charges on both loans. This will be refunded at loan closing. Fixed or adjustable rate available. One-time closing. 12-month construction period. Interest-only payments during the construction period. 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. Some restrictions may apply. Loan subject to qualifications and approval. Not all will qualify. Membership eligibility is required. NMLS #623379
