Mortgage Loans

Custom Home Financing Solutions

A new beginning for new memories 

Modern Loan Solutions

Loans for your Home

At First Federal Bank, we acknowledge that your home loan situation is one-of-a-kind. We recognize that the process of purchasing a home can be difficult due to financing requirements, eligibility criteria, and time limitations. Our knowledgeable mortgage loan officers are ready to thoroughly evaluate your circumstances and offer expertise to assist you in making the optimal choice. With a range of financing options available, we are here to support you every step of the way.

  • FHA, USDA, VA, and Conventional
  • Jumbo Loans
  • Construction-to-Permanent
  • Manufactured Housing
  • Fixed and Adjustable Terms
  • Adjustable-Rate-Mortgages (ARMs)
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Experienced loan officers to help guide you through the loan process.

Find your perfect mortgage loan officer today.

Flexible mortgage loans.

FHA, USDA, VA, and Conventional

These loans are supported by specific groups that offer benefits which may allow you to receive lower interest rates and smaller down payment requirements.
VA Loans


With a single closing, construction-to-permanent loan simplifies the traditional construction loan by combining financing and mortgage into one loan.

Fixed-term or Adjustable-term

While fixed-term mortgages offer you the comfort of a never changing rate or payment, adjustable-term mortgages can be fixed term and then switch to a range of interest rates.

Jumbo Loans

When you need to finance more than our typical FHA, VA, or conventional loans will allow, jumbo loans and our experienced mortgage loan officers can help.

Manufactured Housing

Our manufactured and modular mortgage specialists will guide you through the buying process. Regardless of financing options, we can help get you headed in the right direction.

Adjustable-Rate Mortgages (ARMs)

Enjoy lower initial payments for your mortgage. With lower payments you can pay more to principle, have more cash flow, and may help if you plan to sell in a few years.

Resources for homebuyers.

Loan Checklist

When you're ready to buy a home, it's important to understand what you'll be required to provide in order to make the process simpler for you.

The Mortgage Process

Learn the vital steps to take after receiving an accepted offer on your desired property to ensure a successful mortgage application.

First Time Homebuyer

Preparing to purchase your first home can feel like a financial mountain to climb. Here are practical budgeting tips to get your started.


How much will I need for a down payment?

Depending on the type of loan you are financing, you may be required to make a down payment ranging from 0% to 20%. There are many advantages to both small and large down payments including income tax benefits. Contact a Loan Officer today to provide you with all your options.

What is the difference between Pre-Approved and

Pre-Qualification is an informal estimation of what size mortgage the borrower may qualify for. Pre-Approval is a formal statement of the specific mortgage amount in which the borrower is approved for.

What if I am in the process of switching jobs?

Securing a mortgage during an employment transition is common. You need income that is reliable, stable, and likely to continue for at least 3 years. New positions require you to remain in the same field. Contact your First Federal Bank Loan Officer today to assist you with this process.

All loans are subject to credit underwriting and approval. See a mortgage loan officer for more info.