My number one priority is to provide the best service possible to my customers. Whether you are buying your first home, a new home, looking to refinance your current mortgage, or taking advantage of the equity you have established in your current home, First Federal Savings Bank has a program to fit your needs. Home financing can be an overwhelming process, I strive to make the mortgage process as smooth as possible and will walk you through the process step by step.

Products

• First Time Homebuyers Program - Standard closing costs paid for by First Federal Savings Bank.
• Premier First Time Homebuyer program requires no PMI!
• Low Down Payment Options
• Investment Lending
• Manufactured Housing
• Portfolio Options when Appropriate
• Construction Loans
• Home Equity Line of Credit
• Closed End Second Mortgages

First Time Homebuyers

One of my favorite parts of my job is helping a customer with the purchase of their first home. We strive to make this exciting process as easy as possible. With quick turnarounds on pre-approvals, we can get you out in the market ready to make an offer in short time. We also have special programs for first time buyers with competitive rates, closing costs assistance, fast processing time and low down payments. We also offer a Premiere First Time Homebuyer Loan Program for qualified borrowers that requires 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

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."