Julia Moore

Julia Moore

NMLS #: 399947

juliam@firstfederalbanking.com

Direct: 574-453-1096

Office: 574-268-1089

Toll Free: 888-268-1224

About Julia

2018 has arrived with great rates and new opportunities to improve your financial situation- refinancing a current mortgage, home improvements to an existing home. Maybe you're looking into venturing into rental homes, purchasing that special lot or land, new construction to build your dream home, purchasing your first of many homes or that special 2nd home for weekend getaways! First Federal Savings Bank has many new programs on the horizon!

I am that experienced and dedicated person you will need to assist and lead you through this process- from the pre-approval process, to financing and on to closing! I will make certain you are comfortable and confident with making this most important investment decisions you will ever be faced as a homeowner. Currently, I am celebrating 23 years with First Federal Savings bank and my lending experience includes: Conventional - purchase, refinancing, home improvement and new construction. I am also well-versed with FHA and USDA home financing!

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! Feel free to contact me anytime - we are your #1 mortgage servicer!

Community Involvement

  • Board of Director - Kosciusko/Fulton County Builders Association
  • Associate Director for the Indiana State Builders Association
  • Kosciusko Cancer Care Volunteer
  • Member - Kosciusko County Board of Realtors
  • Riley's Children's Hospital
  • Bailey R. Moore Scholarship Foundation
  • Rudy’s Dog Park Board Member

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.

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."


Apply now for a better mortgage experience with First Federal Savings Bank!