Loan Programs:

1. VA Loans: We offer VA loans that provide eligible veterans, active-duty service members, and their spouses with affordable financing options to purchase or refinance a home. These loans are backed by the Department of Veterans Affairs, offering competitive interest rates and flexible terms.

2. Conventional Loans: Our conventional loan program allows borrowers to finance their home purchase or refinance without government backing. These loans come with various fixed-rate and adjustable-rate options, accommodating different financial situations and goals.

3. FHA Loans: First Federal Bank offers FHA loans insured by the Federal Housing Administration. These loans are designed for first-time homebuyers and borrowers with low to moderate income. They offer more flexible qualification requirements and a low down payment option.

4. Jumbo Loans: We provide jumbo loans for individuals looking to finance higher-priced properties. These loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac, enabling borrowers to purchase luxury homes or properties in high-cost areas.

5. USDA Loans: Our USDA loan program assists homebuyers in rural and suburban areas who meet income and property eligibility requirements. These loans offer 100% financing and attractive terms, promoting homeownership in designated rural communities.

6. Construction Loans: For those planning to build their dream home, we offer construction loans to support the financing of new construction projects. These loans provide funding during the construction phase and can be converted into a long-term mortgage upon completion.

7. Home Equity Loans: First Federal Bank offers home equity loans, allowing homeowners to tap into their home's equity for various purposes, including home improvements, debt consolidation, or other expenses. These loans provide a lump sum of money with a fixed interest rate and predictable monthly payments.

8. Refinance Options: We provide refinancing options to help homeowners lower their monthly mortgage payments, reduce their interest rate, or access their home equity. Our experienced team can guide borrowers in selecting the right refinance program based on their needs.

Please note that loan availability and specific terms may vary. Contact us for personalized assistance and to learn more about each loan program we offer.