With 9 years in the banking and mortgage industry I am happy to help you with your financing needs. I understand that obtaining a mortgage can be overwhelming, and I will do my best to walk you through the process step by step and make everything go as smooth as possible. I will advise you on the best type of mortgage product to fit your needs and I will ensure that you are comfortable throughout the process. My goals are to make this an enjoyable experience for you and get you to the closing table as quickly as possible. Whether you are a first-time homebuyer, purchasing a new home, refinancing, or building, here at First Federal we have a program that will fit your goals.

Our online application process makes it easy to apply and also keeps you updated as we progress through your mortgage transaction. First Federal will never sell the servicing on your loan, which means your payments stay local. Any questions that you may have regarding payments, escrow accounts, loan information, etc. will always be handled by myself or one of our friendly and professional First Federal family members.

Outside of helping clients, I enjoy spending time with my husband and son. We have wonderful friends and family that we dedicate our time to. I also enjoy golfing, cooking, and baking in my spare time.

I have a Bachelor’s degree in accounting and a passion for numbers. I am grateful that I get to apply my skills, knowledge, and experience on a daily basis to help people move into their dream homes.

Products

• First Time Homebuyers Program - Standard closing costs paid for by First Federal Savings Bank.
• Premier First Time Homebuyer program requires no PMI!
• Low Down Payment Options
• Investment Lending
• Manufactured Housing
• Portfolio Options when Appropriate
• Construction Loans

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."