Home Mortgages
Hometown lending with local decisions
Buying your first home in Brady or refinancing acreage outside Junction, our lenders live here and underwrite here, so you get answers fast.
Purchase & refinance
Fixed and adjustable loans for primary homes and second homes.
Ranch & land
Financing for rural property, acreage, and barndominiums.
First-time buyers
Down payments as low as 3% with homebuyer education.
Local servicing
We keep servicing in-house, so you always call us.
Mortgage escrow
Taxes and insurance, handled for you
With a mortgage escrow account, part of each monthly payment goes into an escrow balance. We pay your property taxes and homeowners insurance from it when they come due, so you never face a large bill at once.
- Escrow balance shown on your loan in online banking
- Annual escrow analysis to keep payments accurate
- Tax and insurance payments made on time, every time
Rates as of September 28, 2026
Mortgage rates
| Product | Term | Rate | APR | Notes |
|---|---|---|---|---|
| 30-Year Fixed | 360 months | 6.25% | 6.38% | Fixed |
| 15-Year Fixed | 180 months | 5.50% | 5.68% | Fixed |
| 7/6 ARM | 360 months | 5.88% | 6.41% | Rate may adjust after year 7 |
| Ranch & Land Loan | 240 months | 6.75% | 6.92% | Fixed |
Rates shown are illustrative figures for a fictional bank and are not offers of credit or deposit products.
How it works
Three simple steps
- 01
Apply
Start a mortgage application from your dashboard in minutes.
- 02
Local review
A Menard-based underwriter reviews your file.
- 03
Close
Sign at a branch or title company and get your keys.
Questions
Frequently asked
Can't find your answer? Our Menard team is happy to help.
How much do I need for a down payment?+
Programs start at 3% down for qualified first-time buyers. Conventional loans usually use 5% to 20%.
Do you service my loan after closing?+
Yes. We keep servicing local so your payments and escrow stay with us.
Can I finance land?+
Yes. Our Ranch & Land loan finances raw land and rural acreage.
Ready to bank with neighbors?
Open demo checking and savings in about five minutes. No real money required.