Home Loans

Renovate. Relocate. Upsize. Downsize. Invest in residential real estate. Or realize your dream of first-time homeownership.

Explore your mortgage and loan options.

Need some guidance? Set up a time to meet with a lender.

Purchase a Home

Looking to purchase a primary, second, or investment property home? Closings in 30 days or less, competitive interest rates, and local serving are just a few the benefits of financing your new home with Windsor Federal Bank.

Refinance Your Home

Are you looking to reduce your interest rate or length of your loan’s term? Do you need cash to help with home improvements or debt consolidation? We’re here to help you determine the best refinancing option for you.

Home Construction Loans

Building your dream home from the ground, up requires a strong foundation. Whether you are building your primary home or second home, our team of lending experts can help you turn your vision into reality. 

Home Equity Loans and Lines of Credit

What would you do if you could tap into your home’s equity? Home improvements? Debt consolidation? Purchase a new car? It’s up to you. We offer both Fixed Home Equity Loans and Home Equity Lines of Credit to fit your financial goals.

Compare loans.

A comparison of 1-4 family residential loans and their features.
Product FeaturesFixed-Rate Mortgage1Adjustable-Rate Mortgage (ARM)1One-Time-Close Construction Loan1Construction End Loan1Home Equity Loan (HELoan)1Home Equity Line of Credit (HELOC)1
Main BenefitFixed principal and interest payments for the life of the loanFlexibility in interest rates that adapt to the market conditionsOne time closing for your construction line of credit and permanent loanThe benefit of a new build without a mortgage payment during the construction periodTap into your home’s equity with fixed principal and interest payments for the life of the loanRevolving line of credit during the draw period
Terms10, 12, 15, 20, & 30-year termsFixed periods of 3, 5, 7, or 10 years, followed by bi-annual rate adjustment amortized over a 30-year term15 & 30-Year Fixed Rate OR 10/6 Adjustable-RateFixed Rate or Adjustable-Rate options available3, 5, 7, 10, & 15-year terms10-year draw period followed by a 15 years repayment period
Minimum Loan Amount$60,000$60,000$100,000$100,000$10,000$10,000
Maximum Loan Amount$766,5502$766,5502$766,5502$766,5502$766,5502$766,5502
Other BenefitsJumbo Loan options availableJumbo Loan options availableInterest-only payments on advanced funds during the construction periodExtended rate lock options availableGreat option if you need money for a one-time expenseInterest-only payments during the draw period

    1For terms and conditions, click here.

    2 Jumbo loans available for loan amounts over $766,550. Contact one of our mortgage experts for terms and conditions

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