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#NEEDPREAPPROVED

#NEEDALOANOFFICER

 
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RACHELLE HOTTMAN

Mortgage Loan Specialist

Covering Marion County
E: rhottman@ffcb.com
P: 567-674-0181
NMLSID 2254031

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WILLIAM (BILL) CHANNELL

Mortgage Loan Specialist

1534 S Main St
Bellefontaine, OH 43311
NMLS ID 470707
NMLS ID ORG 419803
Cell: 614-563-9845
E: wchannell@ffcb.com

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JARRETT HOTTMAN

Mortgage Loan Specialist

251 Coleman's Crossing 
Marysville, OH 43040
NMLS ID 1564428
NMLS ID ORG 419803
Cell: 567-674-0456
E: jhottman@ffcb.com

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STEPHANIE SIGRIST

Mortgage Loan Specialist

238 Patrick Ave
Urbana, OH 43078
251 Coleman's Crossing
Marysville, OH 43040
NMLS ID 1658445
NMLS ID ORG 419803
E: ssigrist@ffcb.com
P: 937-243-9354

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MELISSA HARPER

Mortgage Loan Specialist

238 Patrick Ave
Urbana, OH 43078
E: mharper@ffcb.com
P: 937-707-7475
NMLS ID 2254035

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ERIC SAVIDGE

Vice President

251 Coleman's Crossing 
Marysville, OH 43040
NMLS ID ORG 419803
Cell: 614-496-6514
E: esavidge@ffcb.com

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JOHN ENGLAND

Assistant Vice President

251 Coleman's Crossing
Marysville, OH 43040
NMLS ID 407242
NMLS ID ORG 419803
Cell: 614-403-8602
E: jengland@ffcb.com

 
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SIMPLIFY THE PROCESS

Buying a New Home? Refinancing?

As a mortgage lender, I know from firsthand experience how overwhelming it can be to deal with mortgages. However, I also know that it doesn’t have to be this way. I specialize in helping you understand all of your mortgage and financing options so you can make smart and informed decisions. Get in touch with me today to see what I can do for you.

 

DOWN PAYMENT ASSISTANCE

OPENS EVERY MARCH-FIRST COME FIRST SERVE

KEEP YOUR SAVINGS-GET A GRANT

You may be eligible for a down payment assistance grant. This would allow you to keep your savings and use this grant for your down payment or closing costs on your next purchase! This grant requires approval and funds are limited so contact me today!

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ARE YOU A VETERAN? GET UP TO $7,500

If you are a veteran you know that you can be eligible for a VA loan and with that comes 100% financing. However, what happens if the seller won't accept a VA offer or the property doesn't pass VA inspection? This grant could give you the highest amount to use towards your down payment and closing...up to $7,500!!

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LOAN TYPES

When it comes to finding a mortgage, the possibilities are endless. However, being overwhelmed by choice doesn’t mean you should take whatever is offered to you first. Contact me for information about different types of mortgage loans and I’ll be happy to explain them and help you find one that suits your needs.

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FIXED RATE MORTGAGE

The Right Loan for You

It’s easy to get lost while navigating all the different types of mortgage loans available. The Fixed Rate Mortgage could be the right one for you, but it’s important that clients understand all the different programs that offer this. I have access to VA, FHA, USDA and Conventional Fixed Rate Mortgages. We can work together to find out which one is right for you.

CONSTRUCTION LOAN

Building Your Dream

Right now we are seeing more and more people building their dream home! Working with someone that has access and the knowledge for this product is invaluable. These loans bring so many questions and great reward, a brand new home. Let’s discuss if building is right for you!

BRIDGE LOAN

Bridging Equity

A Bridge Loan gives you the ability to utilize the equity you have in your home, before you sell! Get in touch to learn more about the implications and to find out whether this would be a good mortgage for your financing needs. I’ll provide all necessary information for you to make an educated decision.

 
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WHAT CLIENTS ASK THE MOST

Your Questions Answered

HOW LONG IS MY PREAPPROVAL GOOD FOR?

The general answer to this is 120 days from the date I pull credit. Like most documentation for a loan or preapproval there is an expiration date of that document, meaning I just need to get updated documents.

HOW LONG IS THE PROCESS FROM APPLICATION TO CLOSING?

There are only a few things that play into this and the major component is how quickly can you get items to me when they are requested. I have closed loans in little as 15 days from the start of the application. Of course, there are circumstances that are out of all of our control that could delay that timeline. Almost all loans on purchase transactions are closed on or before the contract date.

DO YOU SELL MY LOAN?

This is also known as servicing transfer. There are some products that we can get a better rate and term on if we transfer the servicing. Keep in mind this is very common in mortgage lending. When this happens, who you make your payment to, is the ONLY thing that can change.

 

FIRST FEDERAL COMMUNITY BANK

Member FDIC and a Equal Housing Lender

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