Home Mortgage Loans
The right type of mortgage for your situation will depend on what kind of home or property you’re looking to buy, as well as what you can qualify for. Because of all the beautiful land in Frederick County, we at Woodsboro Bank understand that you might need mortgages for things like farmettes that don’t fall neatly into standard categories. Before you make a decision on the type of mortgage you’d like to pursue, be sure you are up to date on the many varieties you have to choose from.
EXPLORING MORTGAGE OPTIONS
Adjustable Rate
We recognize that traditional mortgages may not suit everyone. If you plan a shorter stay in your home, explore our adjustable rate mortgage (ARM) for flexibility.
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Construction
We take pride in making dreams a reality! If you've found the perfect lot for your forever home, we can help with financing your construction project through a specialized loan.
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FHA
Looking for a home loan with a smaller down payment and affordable costs? Our FHA loan can help you achieve your dream home, even with lower credit scores.
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Fixed Rate
Secure your forever home with a fixed-rate mortgage from Woodsboro Bank. If your plan involves owning it as your primary residence for at least seven years, our fixed-rate mortgage is the key to reaching that milestone.
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HELOC
A HELOC suits long-term homeowners planning renovations, debt consolidation, or other projects.
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Investments & Second Homes
Turn your dreams into reality with financing to help you achieve long terms goals. In addition to primary residence loans, we also offer investment property mortgages, and mortgages to help you buy that dream vacation home.
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Jumbo
If you want to purchase a property that is particularly expensive, you may not qualify for a standard mortgage. Many mortgages have caps for maximum funding. A jumbo loan exceeds this cap and opens up the possibility of more expensive properties.
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Lot
Building your dream home starts with the right lot. Explore our flexible lot loans at Woodsboro Bank to make it happen.
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VA
If you are a veteran, you can enjoy benefits such as a low or zero down payment when purchasing a home. This ensures that our country’s valuable military and public service members have access to the housing market.
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Maryland Home Loan Resources
Letting Go and Delegating Control
There could be any number of reasons you’re leaving your business. You might be selling [...]
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Finding the Right Successor for Your Business
Developing a succession plan is key to maintaining the future stability of your business. Whether [...]
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Determining Your Exit Strategy
It’s never too early to plan your exit. A well-timed, planned departure allows you to [...]
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Alternatives to Retiring for Good
There could be any number of reasons for you to leave your business. You might [...]
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What Lower Interest Rates Mean for Your Mortgage and HELOC
When you hear that the Federal Reserve has lowered interest rates, it’s natural to wonder [...]
06
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Oct
Comprehending Debt-to-Income Ratios for Real Estate Investors
The debt-to-income ratio is an essential concept for any homebuyer, but it’s an even more [...]
08
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Sep
Comprehending Rate Caps and Limits on Adjustable Rate Mortgages
Adjustable-rate mortgages (ARMs) can be valuable financing options for homebuyers in certain situations compared to [...]
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Sep
Comprehending Closing Costs When Applying for a Fixed-Rate Mortgage
Closing costs are, on average, between 2% and 5% of the new home's purchase price. [...]
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Aug
Aug
ARE YOU READY TO Take the first step towards your mortgage goals?
Contact us or call 301-898-4000 to speak with the team today! Ready to move forward?
Great people top to bottom at this bank, I've enjoyed working with them. It's nice having a bank where people actually remember you and you're not just a number. That seems to be rare anymore. Top notch with everything they do. Thurmont Woodsboro Bank has stood by my company as we have grown. The pandemic brought us some challenges here and there, and Woodsboro Bank offered options for Dublin as we navigated grants and loans. Being a Community Coffee Café, we enjoy their style of community banki Dublin Roasters When you think local, you think Woodsboro and the incredible people that work there. You are treated so well and every detail is taken care of. We bank here not only personally, but with our business as well. If you’re in need of banking support, call Woodsboro today! Route 40 I have been with Woodsboro bank for about 20 years. My branch managers have always been very kind and understanding of my business needs. My current manager Kenny is the best one of very good managers I have worked with. I highly recommend a local bank like Woodsboro Bank if you have a business. Far far better than a faceless large bank from out of town. Artist These guys are local on a whole different level. I just love them! Octavo Designs
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