Are you searching for the ideal mortgage bank and to work with a lender that has your needs a priority? I would value the opportunity with First Federal to assist you with your mortgage needs. We serve many local areas, including Warsaw, Silver Lake, Claypool, North Webster, Syracuse and any other location in Kosciusko County. Looking out of county – Allen, Whitley, Huntington, plus many surrounding counties – just a step away from the perfect home for you and your family. First Federal Savings Bank is here to assist with your home mortgage needs and commercial lending. Plus, we are a full service bank with checking, savings, CD’s as well as LPL services for investment and home & auto insurance. .

Are you hoping to make a few improvements , total remodel or construction. Are you looking for that perfect get-away cottage in the woods or on a lake. Did you find your perfect First Home or maybe just need to consolidate a few debts that just continue to linger. First Federal Savings Bank can find a great program and rate to accomplish your goals. We strive to keep our customers in the know on the best time to refinance and / or assist with getting your financial picture in a better light. We have many programs to establish your lending and deposit needs.

We are here to assist with all of your lending needs – no matter how large or small. Our programs are designed to fit your needs. All-inclusive with First Federal, we have GREAT deposit accounts, financial investing, commercial and residential mortgage lending, plus a 1 stop shop with an affiliated insurance company. We truly are here for all of your financial needs.

We truly are here for ALL of your financial needs. I have been a member of the First Federal Team for over 29 years. I have the experience and dedication you will need to maneuver and lead you through the process – beginning with preapproval, moving to application and underwriting, to commitment and close. It is my goal that you are confident and comfortable in making the most important investment decisions you as a homeowner will face. My expertise includes purchases, refinancing, equity lines, home improvement and from the ground up – new construction. I can assist with FHA and USDA lending. Please feel free to call or text – 574-453-1096 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 - local council
• Bailey R. Moore Scholarship Foundation
• Rudy’s Dog Park Board Member
• KEDCO

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

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!