Earn 4% APY* with an InRoads Smart Start Savings account.
Mortgage Loans
Our home team is here to help you.
Insights from Our Experienced Lenders Make the Financing Process Easier
Homeownership Looks Good on You
We'll help you finance or refinance the home of your dreams.
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Home loan experts with you every step of the way.
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Government-backed mortgage programs.
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Repayment terms up to 30 years.
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Easy online application.
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.
Unlock Your Potential
Finance or refinance a home & unlock a Home Equity Line of Credit with ZERO* origination fees!
We Do Almost Everything but Install Windows and Hang Curtains
At InRoads, every homebuyer gets the good-neighbor treatment. Our mortgage pros will discuss the benefits of various loan types, help find the right fit, and gently guide you through the twists and turns of the application process. We may offer conventional mortgages, but our service is anything but conventional.
Fixed-Rate Loans
- Monthly payments stay the same over life of loan, making long-range budgeting easier
- Competitive rates keep monthly payments in check
- Inquire about refinancing opportunities that can trim your monthly payment and overall interest charges
- Choose repayment terms of 15, 20 and 30 years
Other Loan Options
- Federal Housing Authority (FHA) loans come with down payments as low as 3% and flexible credit guidelines. Learn more.
- VA Loans: Active duty military, veterans, reservists and some military spouses qualify for loans with below-market rates, zero down payment, and other financial advantages. Learn more.
- First-Time Homebuyers Program: Mortgage terms of up to 40 years help make the finances work for potential borrowers. Learn more.
- Floating Home Loans: Enjoy life on the river with affordable financing for these unique homes. Learn more.
- Manufactured Home Loans: Designs for single-, double-, and triple-wide homes have come a long way, making them an affordable and stylish alternative to traditional homes. Learn more.
- Construction Loans: Shorter term financing covers the building phase of your one-of-a-kind home, and then converts to a permanent mortgage when it's time to move in. Learn more.
Meet Your Home Loan Experts
Ashley Locken
Sarah Eidem
Related Resources
Today's Plan, Tomorrow's Reward
Sarah Eidem, Real Estate Member Service Officer, is so great to work with! She is knowledgeable and really cares about her clients. She knows the ins and outs of real estate and is always learning and asking questions to improve her knowledge for her clients. I highly recommend her if you are looking for a mortgage!
Disclaimer
*Annual Percentage Rate (APR) is accurate as of 8/15/2022. 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.