Its summer time! Do you need some financial assistance with vacations, home improvement, college expense? Call me today to see how we can use the equity in your home to help!

Not sure if you should purchase a home? Not sure if you are able to qualify for a home loan? Do you have credit issues? Do you have down payment concerns? If you answered YES to any of those questions, please reach out so we can work through your unique situation. I can help you work through credit issues and answer questions to take some of the apprehension out of the home buying process! Megw@firstfederalbanking.com

2024 is great year to invest in real estate. Whether you are looking for a primary residence, 2nd home, investment property, or perhaps you need some home improvements – this is your time! Real Estate is one of the best investments you can make for your future to build your financial portfolio or raise a family.

If you desire to make the dream of homeownership a reality – I am here to help! Whether it be a short journey or if we need to work through any issues to get you mortgage ready, I will stay by your side. With over 30 years of professional experience in mortgage lending, real estate sales, and retail banking I understand every aspect of the home buying journey and making sound financial decisions. I believe everyone should have a safe and beautiful place to call home to raise a family. If you already own a home I can help you maximize the equity for debt consolidation or home improvement. I am a lifelong Elkhart County resident and understand the uniqueness of our wonderful community. You can also email me at megw@firstfederalbanking.com or you can call/text me @ 574-538-7271 First Federal offers several loan programs for FIRST TIME HOMEBUYERS, New Construction, Land/lot loans, manufactured home and more! I will provide you with caring, personal attention, and partner with your Realtor, to guide you on the path to home ownership.

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!

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!