Hi, my name is Ryan Austin and over the last 15 years I have given my time to serve the best interest of the public in my Law Enforcement career, mostly in Pulaski County. Now, having transitioned into the realm of banking, it is my firm belief that I can continue my service to the public, only in a different capacity. I have had a desire to work in the Mortgage/Banking industry for many years, and it has now become a reality. I know the mortgage process can be overwhelming. I will be here every step of the way to guide you. I live in and love this community and will leverage my ability to communicate to make sure YOUR purchase is as simple as possible. Whether it is your first home, refinancing a current home, the purchase of a vacation home, etc., no matter the reason, I will be there to provide the best option for you.

 

Convenience and Availability

Convenience is key - When scheduling, meeting at a mutual location and around busy work, family and social schedules is important for all parties as we proceed with the pre-approval and completing your flexibility to meet at your office, coffee shop or over lunch. I strive to be flexible with all schedules and meeting locations. My website is always open to view, apply or research programs! Contact me to help watch the rates with you!

 

Involvement in the Loan Process

We will work as a team through your mortgage process – pre-approval to application to closing. Questions - please ask, they are so important to your process and very welcome! Questions after closing are always welcome!

 

 

First Time Homebuyers

It couldn’t be any easier for first-time buyers with free pre-qualifications and low closing costs. We have special programs for first-time buyers with competitive rates, fast processing time and low-down payments. We are now offering a Premiere First Time Homebuyer Loan Program for qualified borrowers of no PMI mortgage insurance, even with 5% down.

• First Time Homebuyers Program - Standard closing costs paid for by First Federal Savings Bank.
• Premier First Time Homebuyer program requires no PMI!

 

Borrower's checklist for purchases

Actually, no documents are required from you at the time of application. But to speed up the loan processing time, you can prepare for the application appointment by providing the following information:

• Signed purchase agreement
• Driver's license or state photo ID
• 2 recent pay stubs
• Phone number for Human Resources Dept. to verify employment.
• 2 months bank statements for checking and savings account
• 2 most recent years of W2s (if self employed, commissioned or part owner of a corporation or business will need complete federal tax returns, and corporate tax returns)
• Recent 401K or retirement accounts
• Pre-approvals are free, but for a purchase or refinance we will need a check for $400 for the application fee

Borrower's checklist for refinances

If you are refinancing, along with everything from the purchase list above, you will also need the following items:

• Previous titlework
• Homeowner's insurance statement
• Complete loan number/information of loan(s) to be paid off

Construction made easy!

Come see us for your New Home Construction, First Federal makes it easy for you and your builder with a one-time closing and a simple construction draw process. We offer both adjustable and fixed loan rates!

"Borrowers must meet underwriting guidelines."