First Federal Savings Bank Mortgage Loan Application

Having been employed with FFSB for over 12 years, I have gained valuable experience and knowledge in several areas of financial lending! I am here to assist you from “start to finish” with all your mortgage needs!

First Federal Savings Bank has several loan programs to meet your individual needs that I would love to share with you. I offer flexible appointments to meet your busy schedule and as a bonus, am available “after hours and weekends” as well.

Being raised in a family business, I know the importance of great customer service and will value the trust you put in me! I love my community and am very proud to be a part of the First Federal family!

I am looking forward to building a relationship with you. I will be here every step of the way even after closing your loan. I appreciate your confidence in me!

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!

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!

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)

Borrower's checklist for refinances

If you are refinancing, along with everything from the purchase list above, you will also need the following items:

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."

Melissa Smith

About Melissa