With over 10 years in banking and private wealth management, I’m here to help you with all of your mortgage needs!

Local

First Federal Savings Bank is locally owned and has specialized in home financing for over 60 years. All your payments stay in our community and all the loan servicing is handled by an experienced staff. I want to make sure you have the best experience possible when buying, building, or refinancing your home. Contact me today to find out about our programs at First Federal!

Convenience

Meeting with you at a convenient time or location, plus providing flexibility around your work and family schedules is key during the financing process. Our online system is always available for meeting your needs, too.

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 easy, uncomplicated and most of all, a 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."