Community, Family and Service: Important aspects you look for when working with a bank and getting a mortgage. I have over 25 years of knowledge and experience to help you obtain the best mortgage loan for purchasing, building or refinancing your home. I will be honest and trustworthy, all while working to provide you with the best available service during the loan process. A lifelong area resident and raising three children in the Wa-Nee area has kept me involved with the Elkhart County 4-H Fair and the Family Christian Development Center in Nappanee. I have volunteered for many church and community activities, as well.

Local and Experienced

First Federal Savings Bank is locally owned and has specialized in home financing for over 50 years. All your payments stay in our community and all the loan servicing is handled by an experienced staff. First Federal Savings Bank 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 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 $350 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."