Ladysmith Federal makes it easy for those of you looking to purchase your dream home. It’s easy to apply - just stop by our office to pick up an application or complete one online by going to tools on the homepage.

We offer a variety of options, one that is sure to fit your needs including:

• 15, 20 and 30-year fixed and adjustable rates
• Low closing costs
• Vacant land loans
• Refinance
• Construction loans
• Grant program available for those who qualify for down payment assistance 

Our 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 at Ladysmith Federal.