FIRST FEDERAL COMMUNITY BANK
YOUR FIRST CHOICE FOR HOME LENDING
DOWN PAYMENT ASSISTANCE
If you are in need of down payment assistance to help your home ownership dreams come true, then we are your first choice!
WELCOME HOME GRANT
You may be eligible for a down payment assistance grant of up to $10,000! 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 us today!
ARE YOU A VETERAN, ACTIVE DUTY OR SURVIVING SPOUSE?
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 up to $15,000 to use towards your down payment and closing.
3%, 4% OR 5% DOWN PAYMENT ASSISTANCE
On conventional loan programs you are often in need of 3-5% for a down payment. We have yet another Down Payment Assistance option for you to close the gap to homeownership! Don't hesitate reach out today!
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.
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.
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.
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
