Ladysmith Federal
Save $500 on Closing Costs!
Whether you're refinancing or purchasing, trust your local, experienced lending team to guide you through the process. As your community bank, we're committed to providing reliable service and personalized solutions, plus a $500 credit toward closing costs on fixed-rate home loan transactions.
✔ Expert guidance from lenders you know
✔ Applied directly at closing
✔ One-time credit per property
Submit your application by November 30, 2025 to qualify.
Offer valid for owner-occupied, fixed-rate refinance or purchase loans only. Not applicable to investment properties. May not be combined with other mortgage offers. Credit may not exceed actual closing costs, prepaid interest, or escrow reserves.
Could You Be Paying Less on Your Mortgage?
If you're unsure if you're getting the best mortgage rate, now is the perfect time to find out. Let Ladysmith Federal help you check your rate and see if a lower payment is possible.
Whether you're looking to reduce your rate, shorten your term, or cut monthly costs, refinancing might be the right move and we're here to make it local & simple.
Apply online, call us at (715) 532-3389, or visit our branch today to find out if refinancing is right for you!
Not a commitment to lend. Subject to credit approval. Terms and conditions apply.
