At First Federal Bank, we offer a range of loan programs to meet your specific needs. Our loan programs include:

1. Fixed-Rate Mortgage: This program provides a set interest rate for the entire loan term, allowing you to plan your budget with certainty.

2. Adjustable-Rate Mortgage (ARM): With an ARM, you'll benefit from an initial fixed-rate period, followed by adjustable rates based on market conditions, offering flexibility.

3. Jumbo Loans: Designed for high-value properties that exceed county loan limits, jumbo loans help finance luxury homes and properties.

4. FHA Loans: Backed by the Federal Housing Administration, FHA loans are ideal for first-time homebuyers, offering low down payment options and more flexible qualifying criteria.

5. VA Loans: Available exclusively to eligible veterans, active-duty service members, and surviving spouses, VA loans offer favorable terms, including no down payment and competitive interest rates.

6. USDA Loans: These government-backed loans enable qualified borrowers in rural and suburban areas to purchase a home with no down payment, providing affordable financing options.

7. Construction Loans: If you're planning to build a new home or undertake major renovations, our construction loans offer flexible funding throughout the construction process.

8. Home Equity Loans: Tap into your home's equity with our home equity loan program, allowing you to access funds for various purposes, such as home improvements or debt consolidation.

9. HELOC (Home Equity Line of Credit): Similar to a home equity loan, a HELOC gives you access to funds when needed, with the flexibility to borrow and repay multiple times during the draw period.

10. Reverse Mortgages: Specifically designed for senior homeowners, reverse mortgages allow you to convert a portion of your home's equity into tax-free funds, providing financial security.

Our dedicated team of loan experts is here to assist you in selecting the most suitable loan program for your unique situation. Contact us today to learn more about our loan programs and start your application process.