Rooted in faith and driven by purpose, we guide families and first-time buyers through a mortgage process built on trust and genuine care.
Local Experts
Your hometown mortgage experts
Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.
Who We Are
Meet Our Team
Meet the team behind OneWay Mortgage — Pam Sommer and Michelle Krusmark.
They’re a faith-driven, client-first duo dedicated to helping families and first-time buyers navigate the path to homeownership with clarity, care, and heart. With a blend of military family insight, small-business experience, and a shared passion for guiding the next generation, Pam and Michelle bring a people-focused approach to every loan journey.
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The OneWay Promise
Why work with us?
At OneWay Mortgage, you’re more than a loan — you’re family.
Built on faith, integrity, and a genuine passion for helping others, Pam and Michelle bring heart and purpose into every step of the home-buying journey. Their unique blend of experience, compassion, and client-first values ensures that every borrower feels supported, understood, and confidently guided from start to finish. With OneWay Mortgage, you’re choosing a team that cares deeply, leads with honesty, and is committed to finding the path home that’s right for you.
Are you trying to figure out if renting or buying a home is better for you? Try using our Rent vs Buy Calculator to see what makes sense for you…
Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!
Buying is cheaper than renting after
If you buy a house, after 3 years it will cost you $58 more per month and $5000 more in total than if you had rented.
But you will own in equity of your home with an appreciated value of .
If you buy a house, after 3 years you will have saved $58 per month and $5000 in total than if you had rented.
You will also own in equity of your home with an appreciated value of .
Buying will never be cheaper than renting
Home equity after
1 year
years
TOTAL COST
YEARS
Costs over
Monthly Cost (after )
Yearly Cost (after )
Total Cost (after )
Rent
Buy
Difference
$0
$0
$0
Rent
Buy
Difference
$3,019
$92,453
$89,434
Rent
Buy
Difference
$3,019
$92,453
$89,434
Estimated Costs
These costs are estimated based on the information under the advanced section. You may adjust these values to suit your particular situation in order to get a more accurate estimate.
Monthly mortgage payments
$
Homeowner's insurance
$
Private Mortgage Insurance
$
HOA dues
$
Property tax
$
Home repairs
$
Renovations
$
Closing costs
$
Yearly rent increase
%
Rental insurance
$
How We Calculate the Costs
Calculating the Cost of Renting
The cost of renting is relatively straightforward to calculate. It primarily includes your monthly rent payments and a few additional expenses:
- Monthly rent payments
- Security deposit (typically equal to one month's rent)
- Renters insurance (annual premium)
- Down payment
- Closing costs (typically 2-5% of the home's value)
- Monthly mortgage payments (principal and interest)
- Property taxes
- Homeowners insurance
- Private Mortgage Insurance (PMI) if applicable
- HOA fees (if applicable)
- Maintenance and repairs
- Home improvements and renovations
- Annual home appreciation rate: %
- Annual rent increase: %
- Renters insurance: $ per year
- Home maintenance and repairs: % of home value per year
- Home improvements and renovations: % of home value per year
- Selling costs when you sell the home: % of home value
While You’re Here
Check out our other mortgage calculators
Access our top-rated mortgage calculators to expertly assess your financing options, compare various loan types, and make informed decisions for your home buying journey.
