Mortgages
The House Always Wins
Buying a home is a big step, and Ladysmith Federal is here to help customers explore home loan options with confidence. Whether you are purchasing your first home, moving to a new home, refinancing an existing mortgage, or reviewing available mortgage rates and programs, Ladysmith Federal is here to provide local guidance and personal service throughout the mortgage process.
At Ladysmith Federal, customers can access mortgage resources for home purchases, refinancing, mortgage rates, loan programs, and online mortgage applications. Ladysmith Federal emphasizes friendly, professional staff, local control, and a shared commitment to the community.
This page is designed to provide helpful information about Ladysmith Federal mortgages, home loans, mortgage refinancing, home buying, mortgage calculators, mortgage applications, and local lending support. Customers can use these resources to better understand affordability, income and asset documentation, loan terms, property value, and other important parts of the home loan process.
If you have questions about buying a home, refinancing, mortgage rates, closing costs, required documents, or applying for a mortgage online, contact a Ladysmith Federal loan officer by giving us a call at 715-532-3389.
Our local mortgage team is proud to help customers take the next step toward homeownership with trusted service and community-focused support.
We have made a variety of different home loan options available to you, including:
- 15-, 20- and 30-year fixed-rate mortgages
- 15-, 20- and 30-year adjustable-rate mortgages (ARMs)
- Vacant land loans
- Construction loans
- Refinance loans
Grant programs are available for those who qualify for down-payment assistance.
Meet Your Loan Officers
Our local mortgage loan officers are here to help make the home loan process easier to understand. Whether you are buying, building, or refinancing, Ladysmith Federal offers personal guidance, clear answers, and local service from application to closing.
Rates
For the most accurate and up-to-date information, please call our branch at 715-532-3389 and ask to speak with a lender for current rates and personalized loan quotes.
Home Equity Line of Credit (HELOC)
Did you know you can use the equity in your home for many of the things you need or want? With a home equity line of credit (HELOC), interest is generally tax deductible (but check with your tax preparer).
HELOCs have great rates and low closing fees. It can be used for many things when you most need it — home remodeling, a vacation, college tuition or even to purchase a new vehicle.
Apply Now
Home Affordability Calculator
Use the Home Affordability Calculator when you are starting to think about buying a home and want to know what price range may fit your budget. This calculator looks at everyday financial details like income, monthly debts, down payment, taxes, insurance, and other housing costs to help estimate how much home may be affordable before you begin house hunting.
Mortgage Calculator
Use the Mortgage Calculator when you already have a home price, loan amount, or mortgage option in mind and want to estimate a possible monthly payment. This calculator is helpful for comparing loan terms, interest rates, down payments, and payment amounts so customers can better understand what a mortgage may look like month to month.