In the commercial real estate world, the process for sourcing a construction loan usually starts by casting a wide net. You’re looking for competitive terms—that’s the nature of the business. But at Ruppert Properties, our philosophy goes a step further. If we can find those competitive terms with a local company that has a strong community presence, that is a massive win for us.
That is exactly what led us to Woodsboro Bank.
A Team That Answers When You Call
When we were looking for a "build-to-suit" construction loan for a new contractor facility in Frederick, we looped in the Woodsboro Bank team. From the start, they were incredibly responsive. They sent us terms quickly and made themselves available to talk through every detail.
I’ll never forget recommending them to my sister for a real estate loan. It was the week of Christmas and it didn't matter that it was a holiday. Austin and the team were right there, responding and moving the process forward. That level of accessibility is rare, and it’s a hallmark of how they operate.
Seamless from Groundbreaking to Permanent Financing
Managing a construction loan involves a lot of moving parts: term sheets, loan draws, and eventually, the transition to permanent financing. Woodsboro Bank made that entire lifecycle seamless.
When it came time to secure the permanent loan for our Frederick facility, we chose Woodsboro Bank again. Part of that was practical–they already knew the property and our company. But the bigger part was the trust we had built. It’s simply easier to move forward when your bank is already in your corner, managing the details accurately and in a timely manner so we can focus on the build.
A Shared Vision for Frederick
Beyond the spreadsheets and the loan draws, what I admire most about Woodsboro Bank is their engagement. You see them everywhere. I’ll leave the grocery store and see their team outside hosting a canned food drive, or I’ll see them sponsoring the same community events we support, like Blessings in a Backpack.
Even through leadership transitions at the bank, the communication has been flawless. It never feels like a "changing of the guard" that leaves the client behind; instead, it feels like a team that is constantly evolving and developing.
When it comes to a partner who understands the Frederick landscape and acts as a true extension of our company and community goals, we are proud to work with Woodsboro Bank. They don’t just provide a loan; they provide a positive impact on the place we all call home.