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“I knew Ladysmith Federal was different when my son was in a horrific car accident – they did everything to make sure we were taken care of.  I know one thing for sure, if we need anything in the future, Ladysmith Federal will be there for us.”  Cliff and Kathy Taylor, Colonial Nursery in Ladysmith


Whether you are crafting your home from scratch, looking to purchase a new home or get a better rate on your current home loan, Ladysmith Federal is here to help.  We’ve been the experts in home loans for the past 82 years and continue to “tweet” about our abilities to help make people’s dreams of owning a home come true.  Some of the home loan products & benefits we offer include:

  • Primary residence or vacation loans
  • Bare Land loans
  • Construction loans
  • Home Equity Lines of Credit
  • A range of term loans including both fixed and variable rate options
  • Down payment assistance through grant programs
  • Free and easy pre-approval process
  • Servicing of all loans – this means you always work directly with Ladysmith Federal

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