The House Always Wins
Whether you’re shopping for a home or a home away from home, we offer flexible terms, low closing costs and homegrown expertise.
Our neighborly lending staff will work with you to find a term and rate that fits within your budget to make purchasing a home as easy and as fun as possible. We offer competitive rates for your refinancing needs and most important, your payments are made locally, right here at Ladysmith Federal.
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.
Home Equity Line of Credit
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.