Skip to content


Enjoy the comfort and security that comes from financing your home with a local institution.

Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing

The interest rate on a fixed rate loan remains the same for the life of the loan — so the monthly payment will stay about the same as well. If you plan to stay in your home for a long time, then this is a good choice. The fixed rate makes it easy for you to plan and budget.

The initial interest rate and payments may be lower for an ARM than for a fixed rate mortgage. However, after a certain period, the interest rate and loan payments change each year — possibly going up over the life of the loan.

We offer three-year, five-year, and seven-year ARMs. Your initial rate remains the same for that term, then varies each year thereafter. An ARM can be a good option if you plan to move in the near future, say three to five years.

Our Home Ownership Program is designed specifically for first time home buyers. You’ll have a low down payment, and as much as half of that payment can be a gift or grant. Closing costs are minimal and our approval process is designed to fit your budget.

Looking for a fixer-upper? Warsaw Federal has the loan for you. Finance the purchase and rehabilitation of a home to make it your own. (Owner-occupied properties only.)

At your service, on your side