With over 27 years of mortgage lending experience, holding licenses in Indiana, Michigan, Illinois and Florida, I’m excited to share my knowledge and expertise when helping you build, purchase, or refinance your home. During this exciting time, I’ll be with you every step of the way, from loan application to the closing, and beyond. My goal is to assist you in obtaining the best loan product for your individual situation, and to make your home financing experience a positive achievement. Your trust is my top priority.

It’s always a great time 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.

First Federal Savings Bank has specialized in home financing for over 60 years. We service our own loans so your loan always stays local.

Community Involvement

I am a member of the Women's Council of Realtors and a member of the Greater South Bend - Mishawaka Association of Realtors. I also volunteer at the local Food Bank.

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

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 $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. We offer both adjustable and fixed loan rates!

"Borrowers must meet underwriting guidelines."