Maribeth Roncz

Maribeth Roncz

NMLS #: 399961

maribethr@firstfederalbanking.com

Direct: 574-224-6617

Office: 574-257-1711

Toll Free: 800-796-1711

Fax: 574-257-1811

About Maribeth

With over 40 years experience in financial services, I will be happy to share my extensive knowledge and expertise to assist you in finding the best mortgage program to fit your individual needs.

Community Involvement

I am a life-long resident of St. Joseph County and have been a successful loan originator with First Federal Savings Bank for over 26 years. Because First Federal retains the servicing of its mortgage loans, you can expect personal service throughout the life of your loan. I have been a volunteer at the Center for the Homeless in South Bend for over 23 years and I’m actively involved in several ministries at Granger Community Church. I am currently a member of the South Bend-Mishawaka Board of Realtors and am a member of the Indiana Mortgage Bankers Association. I’m a graduate of Indiana University with a degree in Business Administration.

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!