There is optimism for homebuyers as mortgage interest rates are expected to stabilize in 2025, with potential for gradual declines if inflation eases and economic conditions improve. Securing a home now will give buyers refinance opportunities in the future as rates decrease so now is still a great time to purchase a home. With financial planning and a long term perspective, homeownership remains a valuable investment!

I know how important a home is to a family. A banking professional for 22 years, I am dedicated to walking you through the entire mortgage loan process and go over our services we offer. We offer competitive products and services to fit all of your mortgage needs in Michigan, Indiana and surrounding areas. I will work with you to determine the right mortgage for you and your budget and communicate and answer all your questions honestly and efficiently to get you to the closing table quickly. I will ensure you are comfortable and confident in the most important decisions you will face as a homebuyer. Whether you're a first time home buyer, looking to trade up, downsize, or just wishing for a change, I can help you! The financial aspects of getting a mortgage can be a stressful time, but it doesn't have to be. Contact me today at 574 223-1782 or email staceyw@firstfederalbanking.com and I’ll help make the process smooth and easy!

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

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."