Mortgage Loan Programs

Providing prompt service during your real estate transaction is important to us. First Federal has highly qualified local underwriters — specially designated for FHA and VA loan programs — saving you time by having your loan decisions made locally.

Home Refinance 

Are you paying too much for your current home? Contact a First Federal Loan Officer today to find out about our great loan options, which may help lower your interest rate, lower your payments, or even shorten the term of your loan.

Conventional Loans 

Conventional loans are perfect for purchasing a primary residence, a second home, or even an investment property. Available to both existing homeowners and first-time home buyers, conventional loans can be used for purchasing or refinancing.

Federal Housing Administration (FHA) Loans 

An FHA loan may be right for you! Your down payment may be a gift, grant, or personal savings, so it can be an ideal way for you to purchase a new home of your dreams. Available to both current and first-time home buyers for purchase or refinancing.

Veteran’s Administration (VA) Loans 

You’ve served our country, so let us serve you! VA loans are a 100% financing option available to military veterans, or a widow of a veteran with benefits. All branches of military service are eligible*. No down payment is required, and there is no monthly mortgage insurance fee**, so it’s easier than ever to own a home. It is available to both current and first-time home buyers for purchase or refinancing***.

*Borrowers must have, or be able to obtain, a valid certificate of eligibility.

**An upfront funding fee is generally required based on eligibility.

***Refinance transactions have different rules based on debts to be paid off, and level of cash back. Consult with a loan officer for program requirements.

Rural Development Loans 

Purchasing a home in a rural community? A Rural Development loan may be ideal for you, and requires little or no down payment. This program can provide 100% financing for your home purchase to help make your homeownership dream come true.

Income limits and property location restrictions apply.


Adjustable Rate Loans 

Get a great rate with an Adjustable Rate Mortgage loan* from First Federal! During shifting market conditions, an adjustable rate mortgage can be an ideal way to fit your changing needs. Check with a First Federal Loan Officer for details about this program, and for an assessment if to see if this type of product will best fit your needs.

*Adjustable Rate Mortgage loans are available for conventional products only. They are loans that carry a fixed rate for a specific timeframe — then the rate may adjust annually on the anniversary date.

Not a commitment to lend. Terms are subject to change without notice. Subject to credit approval.

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With a variety of loan programs available, we have a product that fits your financial situation. Our loan officers provide prompt service while finding you the best option.

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Rates as of 12/7/2021 8:29:38 AM

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*All credit products are subject to approval and subject to change without notice. Rates, terms, and amounts based on qualification.