We help you afford your dream with a financially smart mortgage that lets you keep more of your money.

We want to get to know you, hear your story, and deliver expert service and a loan option tailored just for you.

We help you afford your dream with a financially smart mortgage that lets you keep more of your money.

We want to get to know you, hear your story, and deliver expert service and a loan option tailored just for you.

Contact Us

    We focus on your loan so you can
    focus on your dream.

    Moving from one home to another is one the top stressors that a person can experience. Financing your move with a home loan doesn’t have to add to your stress. Our loan originators are approachable and knowledgeable individuals of integrity who are committed to matching you with a loan that fits your income and lifestyle.

    The Two Roads Lending team will be with you every step of the way – from application to closing – answering your questions, offering unparalleled service, and celebrating with you when the keys to your home are placed in your hand. And when your life circumstances change or when interest rates fluctuate, we will also be here to refinance your mortgage.

    Two Roads Lending, LLC is a top independent mortgage firm located in downtown St. Charles, Illinois. We offer home buying and home refinancing services to customers anywhere in Illinois. Our name, Two Roads Lending, was inspired by the Robert Frost poem The Road Not Taken and represents our commitment to build personal relationships with our customers and offer unique, affordable home ownership solutions.

    We focus on your loan so you can
    focus on your dream.

    Moving from one home to another is one the top stressors that a person can experience. Financing your move with a home loan doesn’t have to add to your stress. Our loan originators are approachable and knowledgeable individuals of integrity who are committed to matching you with a loan that fits your income and lifestyle.

    The Two Roads Lending team will be with you every step of the way – from application to closing – answering your questions, offering unparalleled service, and celebrating with you when the keys to your home are placed in your hand. And when your life circumstances change or when interest rates fluctuate, we will also be here to refinance your mortgage.

    Two Roads Lending, LLC is a top independent mortgage firm located in downtown St. Charles, Illinois. We offer home buying and home refinancing services to customers anywhere in Illinois. Our name, Two Roads Lending, was inspired by the Robert Frost poem The Road Not Taken and represents our commitment to build personal relationships with our customers and offer unique, affordable home ownership solutions.

    Meet Your Dream Team!

    Ken Webster

    Owner/Manager

    “I’ll find you a home loan that meets your near term housing needs and your long term financial goals.”

    ken@tworoadslending.com
    630.313.4551

    Learn more about Ken

    Melissa Hibner

    Operations Manager

    “I know who to call and what to ask to keep your loan moving through the mortgage pipeline so you can close on time.”
    melissa@tworoadslending.com
    630.313.4546

    Learn more about Melissa

    Jen Webster

    Office Manager

    “Our customer service experience isn’t just about closed loans or referrals, it’s about treating every person we serve as a friend and neighbor.”
    jen@tworoadslending.com
    630.509.0985

    Learn more about Jen

    Questions?

    Our clients are smart, capable individuals who want to understand the mortgage process from beginning to end. We are committed to helping you learn about home loans and refinancing options. If at any time, even before you are a customer, you need clarification about mortgages or home financing in general, our loan originators will be glad to speak with you.

    To calculate how much house you can afford, we take into consideration your household income, monthly debts, and the amount of available savings for a down payment. Your goal is to have a mortgage payment that doesn’t severely reduce your quality of living or compromise your ability to meet unexpected expenses. A good affordability rule of thumb is to have three months of payments, including your housing payment and other monthly debts, in reserve.

    Applying the 28%/36% rule, can help you determine the appropriate range for your mortgage payment. The premise of this rule is that you should not spend more than 28% of your gross monthly income on home-related costs and 36% on total debts, including your mortgage, credit cards and other loans like auto and student loans.

    Example: If you earn $5,500 a month and have $500 in existing debt payments, your monthly mortgage payment for your house shouldn’t exceed $1,480.

    Private mortgage insurance protects the lender—not you—if you stop making payments on your loan. PMI is typically required if you make a down payment of less than 20%, which can be up to 2% of the loan amount annually. There can be an upfront amount paid, as well as premiums due each month, lumped in with your loan payment until the remaining principal balance on the mortgage dips below 80% of the home’s value. Your lender may automatically cancel mortgage insurance charges when you owe 78% of the principal or less, but until then, this is an extra cost to factor into your monthly budget.

    If you get a loan backed by the Federal Housing Administration, mortgage insurance premiums are likely to be due monthly for the life of the loan.

    Getting pre-approved for a mortgage is the first step in your search for a home. You must meet with a lender (like us) to obtain a pre-approval letter before realtors and home sellers consider you to be a serious buyer.

    Pre-approval involves filling out a mortgage application and providing your Social Security number so that a lender can do a hard credit check. A hard credit check is triggered when you apply for a mortgage. For this process, a lender pulls your credit report and credit score to assess your creditworthiness before deciding to lend you money. You’ll also need to provide extensive documentation of job history, assets and liabilities, income tax returns, and more. Self-employed buyers may need to provide additional documentation.

    After reviewing your application, a lender will offer pre-approval or pre-approval with conditions, or deny pre-approval. Pre-approval is typically valid for 60 to 90 days.

    We suggest seeking pre-approval six months to one year in advance of a serious home search so you will be in a stronger position to improve your overall credit profile, if necessary.

    Mortgage refinancing requires you to qualify for the loan, just as you had to meet the lender’s requirements for the original mortgage. You will once again file an application, go through the underwriting process and go to closing. Visit our refinancing page to learn more about the reasons to refinance your existing mortgages and the necessary steps involved.

    It certainly can be more affordable to own than rent, particularly when interest rates are low and the monthly rent is high. Whether to rent or buy a home, however, is a major decision unique to your lifestyle, the size of your savings toward a down payment, and other mitigating factors.

    If you are currently renting and are considering buying a home, we suggest you meet with one of our loan officers. We can help you decide if buying a home is presently your best option or if you should continue to rent with an eye on owning a home in the future.

    The good news is that you can get a mortgage with fair credit, but your interest rates will be higher and your lending options limited. If you suspect your credit score will restrict your ability to qualify for a decent mortgage, give us a call. After hearing your unique financial circumstances, we can recommend your next steps.

    It may make more sense to first work toward improving your credit. Better credit scores could help you qualify for a better loan, with a lower interest rate and more-manageable loan terms. You may also want to consider consolidating debt with a personal loan to help you repay high-interest, unsecured debt more quickly, which could improve your credit and help you qualify more easily for a conventional mortgage loan. We will be glad to assist you in developing a plan that will put you on the path to eventual homeownership.

    WE HELP PEOPLE JUST LIKE YOU!

    Testimonials

    first time home buyers testimony

    Matt & Victoria

    “Two Roads Lending was consistently one step ahead of the game with their insights and communication. On top of that, they found an incredible rate for us, all the while explaining our options and ultimately allowing us to make the best choice for our situation. I’d recommend Two Roads Lending’s guidance without hesitation.”

    Refinance Testimony Photo

    Devin Moore

    First-Time Home Owners

    “Two Roads Lending is the best! I had an excellent experience working with them. They did a great job educating us on our refinance and helped to guide our decision making. We certainly trust their expertise. Once the process was rolling, Two Roads Lending moved us along quickly, gave frequent updates/check-ins, and were happy to answer my questions. We strongly recommend!”

    Lawrence & Lexi

    Lexi & Lawrence

    “We worked with Two Roads Lending to purchase our first home. It’s such a stressful process and they made everything super simplified for us and easy to understand. They answered all of our questions and were available at any time. Two Roads Lending made our first home buying experience amazing! Call Two Roads! Thank you Two Roads Lending!”

    Two Roads Lending Team

    Let’s meet in person, virtually, or by phone, so we can get to know one
    another and get you started on the path to purchase.

    KEN WEBSTER
    Ken Webster
    MELISSA HIBNER
    Melissa Hibner
    JEN WEBSTER
    Jen Webster