Home Loans

The start of Something Great

There have never been more options for financing your new home than there are right now. Stop in and we will lay out all the options and figure out which one works best for you.

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Are You Ready To Buy?

Think you might be ready to buy a home, but aren’t sure how to start the process? Download our guide and we will walk you through the process step by step!

Download the FREE Sentry Bank How To: Buy A Home eBook

What Is In House Mortgage Servicing?


When looking to buy a home, it might be confusing to determine exactly how good of a rate you’ve been quoted, or how the quote was even determined. See our Mortgage Rates page for more information.

Mortgage Rates


Sentry Bank’s One Time Close Construction Loan makes it quick and easy for you to get into your brand new, custom built dream home.

Home Construction Loans



Sometimes the perfect home is just around the corner. With a wide variety of financing options, we can find a way to get you into a place of your own.

Home Mortgage Loans



Does your current home just need some tweaking or updating? We can finance a project to turn it into a masterpiece that reflects your personal style and fits your unique family.

Home Equity Loan

The equity in your home can be a valuable resource for homeowners. Many people use a Home Equity Loan when they decide to make some improvements to their home, but you can use it for just about anything, even a much needed vacation. Contact Joe or Brad today and they will walk you through the options and possibilities.


Refinance for a lower rate, a different term, or simply to lower your monthly payment.




*Loan calculator for informational purposes only.

Meet Our Mortgage Lending Team:

Joe Bye

Joe has been in banking for 20 years with most of his time spent as a lender. He has spent time in consumer, agricultural, and commercial lending, but his current expertise is home mortgage lending. He has been with Sentry Bank since 2013 and you can find him at our St. Joseph location.

NMLSR ID# 780986

Get In Touch

Fill out the form to contact Joe and Brad and they will get in touch with you shortly. In the meantime, check out our exclusive Home Buyer’s Guide Blog series where you can download a helpful guide that will take you through the whole buying process from start to finish.

Download the FREE Sentry Bank How To: Buy A Home eBook



Joe Bye – NMLS#-780966  |  Brad Eckhoff – NMLS#-1002576