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Whether you have questions, need guidance or are ready to take the next step, we're here to help. Schedule a time that works for you, and we'll be ready to welcome you.
Mortgage
Building, buying, or refinancing?
Its 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
Start house‑hunting like a pro.
Walk into your home buying future with confidence. Get pre-qualified within 24 hours2, know your price range before you shop, and make your offer stand out. Your “home sweet home” moment starts here!
Loan Options
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/Mobile3platform 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
Need more information about mortgages?
Find more FAQs here.
Discover how our construction loan process can help bring your vision to life.
Videos
Calculators
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.
Meet the Team
More From Your Credit Card
Your credit card should work as hard as you do. Find an Interra credit card with competitive rates and benefits that make everyday spending a little more rewarding.Â
Refer-A-Friend
Good Things Are Better Shared.
Love banking with Interra? Refer your friends and family and help them discover the benefits of being an Interra member, too.Â
1With few exceptions, you can pay your loan locally at Interra offices. Some restrictions apply. 2Pre-qualification timelines will depend on receipt of proper required documentation and business hour processing time. Loans are subject to credit and collateral requirements. Not all will qualify. Membership qualifications apply. 3Carrier 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.