With over 12 years in serving people just like you, rest assured I am here to assist you through the entire process from start to finish.

Community

Family is important to me; so is community. I have served on the board of directors of a local food bank, and work with various community and church leaders to provide money, time, and assistance where it is needed to help feed and house those among us who are going through dark times. I currently serve as the Vice President of my HOA and lead the Architectural Control Committee.

Local

First Federal Savings Bank is locally owned and has specialized in home financing for over 60 years. All of your payments are handled by an experienced loan servicing staff. At First Federal Savings Banks, not only are we family, but you are part of our family as well!

Convenience

As a father of three, I understand life’s demands don’t always provide the time to sneak away from work. I can meet with you at a convenient time or location, providing the flexibility around your work and family schedules that is key during the financing process.

Involvement in Loan Process

We will be with you every step of the way: At application, processing, closing and until you pay off the loan. Customer service is our top priority to make your home buying experience an easy and positive experience.

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 offering a Premiere First Time Homebuyer Loan Program for qualified borrowers without 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."