Earn 4% APY* with an InRoads Smart Start Savings account.
Mortgage Loans
Our home loan team is here to support your picket fence dreams.
Insights from Our Experts Make the Financing Process Easier
Homeownership Looks Good on You
Applications are handled in partnership with Consolidated Community Credit Union (CCCU).
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Home loan expert 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 & competitive rates.
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Easy online application & streamlined processing.
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!
Your Home Loan Journey, Supported by a Strong Partnership
At InRoads, every homebuyer is treated like a valued neighbor. Our dedicated CCCU mortgage loan officer will walk you through the benefits of different loan options, help you find the right solution, and guide you smoothly through each step of the application process. While we offer conventional mortgages, our approach is anything but ordinary.
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.
Related Resources
Today's Plan, Tomorrow's Reward
Mortgage FAQs
InRoads Credit Union is partnering with Consolidated Community Credit Union (CCCU) to handle the origination, processing, underwriting and funding of all first mortgages. InRoads will continue to offer first mortgage products, but the fulfillment side will be managed by CCCU.
This partnership allows InRoads to offer a broader range of mortgage products, more competitive options, and a streamlined process by leveraging CCCU’s dedicated mortgage operations team.
Yes. InRoads will continue to originate first mortgages. The difference is that after initial contact, the loan will be processed and completed by CCCU.
Members with existing mortgage loans will not be impacted in any way. Members that request information or apply for a new mortgage loan will have a very similar experience to what they have today. A referral will be sent to our dedicated CCCU mortgage loan officer, and they will assist in answering questions and guide them through the application process just as they do now.
No. InRoads Credit Union members will NOT become members of CCCU. CCCU will simply process the mortgage behind the scenes.
Members will have access to the full suite of products offered through Fannie Mae and Freddie Mac, including:
• Conventional loans
• FHA
• VA
• USDA
• Jumbo
• Construction
• Floating Homes
• Non-QM
• Other standard secondary market mortgage options
- Members will start the conversation with InRoads—just as they do today.
- After the initial discussion, InRoads will give a warm handoff to CCCU.
- CCCU will take over from there, managing:
- Application intake - InRoads members will still apply using the InRoads website
- Processing
- Underwriting
- Closing
No. All marketing materials, member communications, and mortgage branding will remain InRoads branded. Only the loan documents will promote CCCU as the mortgage provider to members.
To ensure seamless member experience and maintain the strong trust members have with InRoads Credit Union. CCCU’s involvement is operational and behind the scenes only. When a member goes to our website and checks rates or applies for a 1st lien mortgage, they may see co-branding of InRoads and CCCU.
No. Members can still contact InRoads as they always have. The partnership simply means CCCU will handle the technical parts of the mortgage process.
After initial contact, InRoads members will work with a dedicated CCCU Mortgage Loan Officer that represents InRoads Credit Union.
The partnership is designed to increase competitiveness, and members should benefit from broader product offerings and pricing aligned with secondary market standards.
No. Existing loans will continue to be serviced as they are today unless otherwise communicated.
Members will receive clear instructions from CCCU at the time of closing regarding payments, servicing portals, and contact information.
Members can continue to start with InRoads and we will direct them appropriately. Once their loan is in process, CCCU will be the primary resource for status updates and loan-related needs.
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.