Welcome to Spring 2025!.

Are you searching for the ideal mortgage bank to work with you and that is making your needs, desires, and goals a priority? First Federal Savings Bank of Rochester is the best option for you. I work in Warsaw, Silver Lake, Huntington, Noblesville, Syracuse, Bourbon, Bremen, Etna Green, Mentone and many other locations in Kosciusko County.

We have many options in FHA loans with VA loans available along with other standard mortgage solutions. We are easy to work with and will help you meet your financial goals. You can also use us as a full-service bank offering checking accounts, savings accounts, CD’s. We also have LPL Financial to assist your investment needs plus a convenient mobile banking app.

Spring is here which means we are all thinking of improvements; total remodels; new construction. Maybe even thinking now is the time to purchase a new home or a second home or cottage in the woods or on a lake for a quick get-away! If you are working with First Federal Savings Bank we can find the right program and rate to accomplish your goals. I believe we need to be educated on what it takes to buy our first home or consider refinancing and/or assist with working toward your family financial picture in a better light – debt consolidation not lasting. We have many programs to establish upon deposit needs and lending – which may include construction; commercial; residential; investing plus an insurance division that assists with your insurance needs. We truly offer help for all of your financial needs.

I have been employed at First Federal Team for over 30 yrs – this experience has given me dedication that is needed to help my team members through the process - beginning with pre-approvals through closing - explaining each step and underwriting commitment and compliance. I am your direct connection to First Federal Team. My goal is that you are comfortable when purchasing making the most important investment decision that you as homeowner will face.

My expertise includes purchasing financing new homes improvement from the ground up – new construction but also refinance existing homes. Please feel free contact me at 574-453-1096 toll free at 888-268-1224 or email juliam@firstfederalbanking.com

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 & Marshall County Builders Association Build Your Future programs for middle school thru high school Volunteer
• Associate Director for the Indiana State Builders Association
• YMCA Board of Directors
• Member - Kosciusko County Board of Realtors
• Riley's Children's Hospital - Foundation Campaign
• Bailey R. Moore Scholarship Foundation
• Rudy’s Dog Park Board Member
• KEDCO
• Cardinal Services Board of Directors

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.

We offer down payment assistance - this is a new product for First Federal and I would be happy to discuss with you and walk with you on this journey.

• 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

In order to expedite your process and loan processing time, you can prepare for your 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 – Plus our program has now increased to 12 months for completion of the home to assist with time constraints for the builder and supply chain issues. We offer both adjustable and fixed loan rates! You will not find a better construction program for you or your builder!

"Borrowers must meet underwriting guidelines."

Looking forward to working with you!