Earn 4% APY* with an InRoads Smart Start Savings account.
First-Time Homebuyers Program
Turn your homeownership dreams into reality.
Your First Home Can Be Within Reach Through Our Special Program
We're Your First Choice When Buying Your First Home
Our home loan experts will guide you along the way.
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Loans up to $400,000.
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Terms up to 40 years.*
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3% down payment.
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Reduced mortgage insurance requirements.
Take the First Step Toward an Exciting New Chapter in Life
For so many people, owning a home is the essence of the American Dream, but various factors can make that dream feel far away. That's why we created our First-Time Homebuyers Program. If you don't qualify for a traditional mortgage, you still have options.
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- You'll find a longer term with this program along with lower down payment requirements to help you get in the door.
- Your family can help contribute to the down payment, too.
- Plus, you can borrow up to 97% of your purchase price and enjoy reduced private mortgage insurance (PMI) requirements.
It's all designed to help you open the door to a new life in a new home.
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.” We can help you protect your privacy.
Meet Your Home Loan Experts
Ashley Locken
Sarah Eidem
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Disclaimer
*Annual Percentage Rate (APR) is accurate as of 2/3/2025. 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: 5.681% APR based on a 30-year loan of $250,000 with monthly payments of $1,420.12 (not including tax and insurance) and loan costs of $6,400.