Mortgage Brokers Serving Pennsylvania and Florida.
Kurt & Michelle Ziegler owners of Three Rivers Lending         412-203-3379

Mortgage Brokers Serving Pennsylvania and Florida.
Kurt & Michelle Ziegler owners of Three Rivers Lending 412-203-3379


Serving Pennsylvania and Florida

Contact Us           

Kurt & Michelle Zeigler

Company Introductions           


The Pittsburgh and surrounding areas is home to Three Rivers Lending, a focused and passionate Mortgage Company with 40 years combined experience. We have “5-star” service and we treat all our clients like family. Three Rivers Lending founders Kurt and Michelle Ziegler leverage their expertise in the mortgage and real estate markets to make your home buying experience seamless and painless.

As trusted mortgage brokers, we work with our clients to find you the perfect mortgage product and rate. As mortgage brokers we have the ability to shop numerous lenders so you will always be confident you have the perfect mortgage for your situation. We strive to walk our clients through the entire mortgage process so there are no surprises and the end goal of handing you the keys to your new home!

Kurt has been in the mortgage business for 30 years and can help anyone get a mortgage and Michelle is an accountant with several years of real estate experience. Together we have 7 children, and we understand how busy life can get. Start building equity now instead of wasting money on rent. Three Rivers Lending can help you get the home you have always wanted.

Three Rivers Lending is proud to be a local, family-run business helping our clients every step of the way. We offer Conventional, FHA, VA, USDA, Refinance, Reverse, Commercial, New Construction, Jumbo and Reverse Mortgages.

Call us today for a free quote!! 412-203-3379 You may also email us at or

Company Introductions           

Let Us Make Your Dreams Come True

The loan amount, the interest rate, and the term of the mortgage can have a dramatic effect on the total amount you will eventually pay for the property.

Further, mortgage payments typically will include monthly allocations of property taxes, hazard insurance, and (if applicable) private mortgage insurance (PMI).

Use our mortgage calculator to see the impact of these variables along with an amortization schedule. Accurately calculating your mortgage can be a critical first step when determining your budget.

Mortgage Calculator


It’s quick, easy and confidential. No commitment required.

Simply reach out and we’ll reply with some great mortgage or refinance options based on your individual needs.

What type of home loan are you looking for?


We offer Conventional, FHA, VA, USDA, Bank Statement, Jumbo, Fixed and Adjustable Rate and non-conforming mortgages.


Refinance your home for extra cash, remodel, pay off bills, put extra money into your business, money for Christmas or take that vacation you always wanted.


A mortgage for a business property under your business or personal name. We also offer Commercial Refinances.


Building a new home? Call us for the best new home rates.


For people who only want to pay interest and not a mortgage payment. Certain requirements must be met.

Customer Testimonials           

Aaron Libonati
Aaron Libonati
Kurt and Michelle are a great team and were very helpful in making the process of acquiring a loan seamless. I was in search of a commercial lender for a 14 unit building and Three Rivers Lending made the deal possible! When we needed to obtain flood insurance for the property (literally as much of a last minute requirement as possible thanks to the bank's underwriting), Kurt went out of his way to reach out to several of his contacts in his network to ensure it wasn't an issue before closing. Fair, honest, straightforward, and communicative are some of the qualities you'll get when you work with this team. Thanks for all of the work, and I'm looking forward to more future deals with the help of the Three Rivers Lending team!
Marie Kozub
Marie Kozub
Knowledgeable company. Would use again.
Shereece Hoffman
Shereece Hoffman
Everyone was very helpful thru this overwhelming process. They do everything they can to ensure you get the mortgage you want at the lowest rate & always in constant contact. I really enjoyed working with Three Rivers Lending, highly recommend!
Shayla Gibson
Shayla Gibson
Working with Kurt and Paula was a great experience! Even though buying a house can be stressful they both and the entire Three Rivers Lending Team made the process as smooth as it could be by answering all my questions, keeping me informed on next steps or what's pending and ultimately just being in my corner. I would not hesitate to work with them in the future.
Nicholas Alexander
Nicholas Alexander
Paula, Kurt, and Michelle were fantastic to work with in every way. Always extremely helpful and responsive to my every need and question, which there were a lot. I highly recommend them!
Melissa Burton
Melissa Burton
Kurt, Michelle, and Paula are the best! We have bought several properties over the years and they were by far the best team we’ve ever done business with. We are relocating back home to Pennsylvania and they made the process super easy especially being out of state. We closed in 30 days and are super grateful to Three Rivers Lending for making that happen.
Guilherme Guidugli
Guilherme Guidugli
As a first time home buyer I received all the support throughout the process. The team was always available to clarify mu doubts and always very friendly!
Bella To
Bella To
Thomas Cross
Thomas Cross
When I first started looking into purchasing a bigger house, I could only remember the awful experience of dealing with a major bank in Pittsburgh when purchasing my first house. My fiancé, told me to reach out to Three Rivers Lending specifically Kurt Ziegler to see what our options were. From the moment I first spoke with Kurt, he was understanding, kind and honest. Throughout the the entire process, Kurt and staff were with you every step of the way. It didn't matter if it was a weekday or weekend, if I had a question, staff (Paula) would respond in a timely manner. They would go over and beyond explaining everything. Unlike major banks, where you're just a number to them, Three Rivers Lending made me feel like I was a priority and more importantly family. The overall experience was amazing and I would recommend this company to anyone who is looking for a mortgage!
Greg A
Greg A
Kurt and his team made the loan process go very smoothly without any hiccups.

Our Benefits           

Why Choose Us?

At Three Rivers Lending we will provide 5 star service from our expert staff. We make the mortgage process as painless as possible. Call today to get a FREE consultation on obtaining a mortgage. We treat all our customers like FAMILY. We also work with some of the best real estate agents. Ask us for help today.


We Approve Loans


5 – Star Reviews


Happy Customers

Directly From the Blog         

News & Articles

Success Stories         

Three Rivers Lending Closings