We offer a variety of fixed rate home loans to meet each individual’s needs and budget. Let’s discuss a loan term best suited to your needs.

We have special rates and favorable terms to help first-time homebuyers realize the dream of home ownership. Please ask for details.

Construction to Permanent Loans are a very popular choice for individuals building a new home. The loan combines the features of a construction loan with permanent financing, so that only one loan closing is necessary, thus saving you time and money typically associated with two closings.

Customers have the option to refinance their mortgage to a lower interest rate or shorter loan term. Cash-out options are also offered. Unsatisfied with your current mortgage provider? Give us a call to discuss refinancing.

When Woodruff Federal holds the first mortgage, customers have the option to secure a second mortgage.

A HELOC is a special revolving line of credit secured by your home that you can use as you wish…typically to pay for larger expenses or to consolidate debt. The interest may be tax deductible.* Our HELOCs are available to our current mortgage customers or homeowners with no current mortgage. *Individual cases will vary. Please consult your tax advisor.

Woodruff Federal offers residential land loans for vacant land and home sites, allowing you to find the right site to build your future home.

We provide Commercial loans to churches in our neighboring communities for new construction, additions or renovations to serve their growth and expansion needs. Church loans are provided on a case-by-cases basis.