Save up to 50% off Your Mortgage Loan Origination Fee**
If you’ve been dreaming of your first or next home, now’s the time to make your move! Right now, you can save 50% off your mortgage loan origination fee at InRoads. That’s a lot!
Hurry! This Offer Ends Soon
The chance to save 50% off your mortgage loan origination fee expires on August 8, 2025. Start your application today and put more savings back into your pocket. Not sure where to start? Our home loan experts are ready to make the whole process quick and easy.
Today's Rates
Choose Your Home Loan
Purchase a Home
The perfect mortgage starts here! Our team is available to help from start to finish. Find the right mortgage for you with 15-year, 20-year, 30-year*, FHA, and VA loan options. Whether it’s your first home, next home, dream home, or an investment property, the InRoads team is here to help you finance it.
Refinance Your Home
If today’s rates are lower than the one you have for your current home loan, it could be time to refinance. Some quick paperwork could help lower your monthly payment, reduce the length of your loan, consolidate debt, and cash-out your equity to pay for college and more. Our team is here to make it quick and easy.
1st Time Home Buyer Program
Our team of home loan professionals is here to help make your home ownership dreams a reality. That includes honest answers and advice, low down payment options, terms up to 40 years**, reduced mortgage insurance requirements and loan amounts of up to 97%** of the purchase price.
Floating Home Loans
Floating homes have made a big splash with the popularity of tiny homes and small living. Enjoy carefree days and a beautiful river view with financing from InRoads Credit Union. Give our mortgage team a call and they can help you choose the term that works best for you and your family.
Manufactured Home Loans
Manufactured homes have always been a wonderful way for families and individuals to achieve the American dream. Now you can enjoy a fixed rate and an affordable down payment with a Manufactured Home Loan. We’re ready to help finance your home, whether it’s in a park on your own piece of paradise.
Construction Loans
Your dream home can become a reality with an InRoads Residential Construction Loan. Now available for stick-built or manufactured homes. You can even use the money to buy property. Once the house is built and the money is spent just the way you want, your loan turns into a regular mortgage with affordable payments. Let’s talk about your dreams.
Why Your Mortgage Application Leads to a Surge in Unsolicited Offers
Applied for a mortgage recently and now you’re overwhelmed with calls, texts, and emails from other lenders? You’re not alone. This flood of offers often happens due to something called “trigger leads.”
Meet Your Home Loan Experts
Ashley Locken, NMLS #1372559
Buying or refinancing a home can be a little intimidating, unless you have Ashley on your home-buying team. She truly enjoys answering questions and gently guiding members through the mortgage process, thanks to a decade of lending and member service experience as well as a vast array of product and system knowledge.
“I love working with our members. Helping people in our community finance their dreams is very fulfilling. I’m honored to be a part of that process.”
Ashley has lived in Columbia County her entire life. Over the last decade, she’s worked with every type of credit union loan InRoads members want and need, including consumer, commercial, and mortgage loans. When you’re ready for your dream home, Ashley will put her expertise to work for you.
Sarah Eidem, NMLS #2369051
No two home-owner journeys are ever the same. That is precisely why Sarah loves her job. As a member of the InRoads mortgage team, Sarah interacts with individuals who are looking to buy their first home, finance a second home, remodel, or invest in a rental property.
“I get the most enjoyment from helping our members,” Sarah stated with a smile. She went on to say that she listens carefully to their needs, what they would like to accomplish, and then guides them through the lending process.
With nearly 20 years of mortgage and lending expertise, Sarah is ready to tackle your home loan needs. In her spare time, you’ll find her working on her property, camping, and spending time with her family.
Home Equity Line of Credit
Whether you plan to spend a month in the Caribbean, build an epic deck, send someone to college, or buy top-of-the-line appliances for your kitchen, an InRoads Equity Loan or Line of Credit can help make it happen.
Get Started
- *Annual Percentage Rate (APR) is accurate as of 6/20/2025. Rates may change at any time without notice. Loans are subject to credit approval. Your actual rate may be different and will be based on many factors including but not limited to credit worthiness, income, employment, and property information at the time of application. Homeowners insurance will be required, and third-party closing costs will apply. Other terms may be available, contact a Mortgage Loan Officer for more information. Payment example: 6.875% APR based on a 30-year loan of $300,000 with monthly payments of $1,970.79 (not including tax and insurance) and loan costs of $6,400.
- **Mortgage Loan Origination fee discount: InRoads membership and credit qualifications apply. Offer valid on new mortgage loan applications received through 8/8/25. Offer does not apply to Home Equity Lines of Credit (HELOC) or Equity Express Loans. Other restrictions may apply.