When it comes to securing a mortgage, finding a lender that prioritizes your individual needs can make all the difference. At Woodruff Federal, we are committed to offering personalized mortgage solutions that cater to your unique financial situation. Here’s why choosing a mortgage with Woodruff Federal could be one of the best decisions you make on your homeownership journey.
Personalized Loan Decisions
At Woodruff Federal, every loan decision is made on a case-by-case basis. We take the time to understand your specific financial circumstances, allowing us to tailor a mortgage that fits your needs. Unlike many large commercial banks, we don’t just see you as a number; we see you as a valued client.
No Loan Sales to the Secondary Market
One of the standout benefits of choosing Woodruff Federal is that we never sell your loan to the secondary market. This means that your loan stays with us, ensuring consistent service and communication throughout the life of your mortgage. You can rest easy knowing that your mortgage is in trusted hands.
Lower Closing Costs
Another significant advantage is our competitive closing costs, which are typically half or less than those of commercial banks. This can result in substantial savings upfront, making your home purchase more affordable from the start.
No Application Fees and No PMI
With Woodruff Federal, you won’t have to worry about application fees or Private Mortgage Insurance (PMI). PMI can add considerable expense to your monthly payments, so eliminating this requirement can lead to significant savings over the life of your loan.
Flexible Loan Options
We offer a variety of loan products, including Conventional Fixed Rate Mortgages, First Time Homebuyer Loans, and Construction-to-Permanent Loans. Whether you’re buying your first home or refinancing an existing mortgage, we have options that can be customized to fit your needs.
Ready to Get Started?
Contact Woodruff Federal today to explore your mortgage options and experience the difference that personalized service can make.
