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Welcome to 
First Federal Community Bank 

- Your Trusted Mortgage Partner -

At First Federal Community Bank, headquartered in Bucyrus, Ohio, we take pride in serving our community since 1887. Our deep-rooted history in the financial sector and unwavering commitment to customer service make us the ideal partner for your mortgage needs. 

Why choose us?

Functionality You Will Love

01

Experience and Expertise

With over a century of experience, our team of mortgage specialists is equip[ped to guide you through every step of the financing process. Whether you are a first-time home buyer or looking to refinancing your investment property, our experts will help you find the loan that best fits your needs. 

03

Comprehensive Services

We offer a full suite of mortgage products including conventional, FHA, VA, USDA, Portfolio, Home Equity, Commercial, DSCR, and more. Our competitive rates and flexible terms are designed to help you achieve your homeownership dreams with ease. 

02

Community Focus

As a community-focused bank, we believe in investing back into the neighborhoods we serve. Our local branches are staffed by people who understand the unique needs of our community, ensuring you receive personalized and attentive service.

04

Customer Satisfaction

At First Federal Community Bank, our goal is to provide an exceptional banking experience. Our commitment to customer satisfaction is reflected in our high customer ratings and positive reviews. 

Areas of Expertise

Provide a general description of the items below and introduce the services you offer. Click on the text box to edit the content.

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Pre-Approval

Whether this is your first, second, or last time buying a home your knowledge when negotiating a home purchase can determine if your offer will be accepted. Whether a primary residence, vacation home, or investment property — contact us for your custom Pre-Approval so that you can shop with confidence.

Investment / Rental Home

Whether you are looking for financing on a short-term rental, long-term rental, or even fix-n-flip financing for your next property flip, First Federal Community Bank has you covered! Options include our newest suite of options, DSCR! Not sure if you qualify to own a rental property based on your income? With DSCR financing we qualify you on the rental income the property generates, not your personal income. Buying a rental property may be closer than you think!

Home Equity / HELOC

Looking for the best way to tap into your home's equity? We have options to help suit your needs. Options range from variable interest rate lines of credit to fixed rate second mortgages. Call us today to discuss the ins/outs of each option. 

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Down Payment Assistance

Having enough savings to purchase a home is a frequent concern for homebuyers. With down payment assistance options, we can help you purchase your new home with little to nothing out of pocket. Ask us how we can help you with your financial goals. 

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New Construction

Whether you own your own land or you are buying new land, I have a loan option for you that will get you on the fast track to building your dream home. I have years of experience in construction lending, working with builders and all different types of builds. So, if your dream is a secluded Log Home, a gorgeous Farmhouse, or a new build in a convenient subdivision, I can help make this dream come true.

Vacation Home

Ready to set your destination for vacation? Let us help you finance your vacation home today! With First Federal Community bank lending in all fifty states, we can surely help you finance your getaway destination! 

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Bridge Loan

Whether you’re buying or building a new home, financing can be tricky when you currently own a home. Our Bridge Loan is the solution to removing stress and complications. This loan is specifically designed to help you move into your next loan before you sell your home.

Awning on Commercial Building

Commercial

A need for commercial lending can come in many forms. Business line of credits for operating and opportunity. Purchasing your own store front to operate out of. Investment opportunities to strengthen your portfolio. The need for commercial financing can be endless, if this is an area you need to explore, let's talk today.

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Portfolio Lending

There are times when creativity is the only path to financing. One of the best advantages you have when working with First Federal is having access to Portfolio Lending. Are you having a hard time finding a loan that fits your profile and needs?  With Portfolio Lending we can craft the solution and make the underwriting decision in-house.

Mike W.

Delaware, OH

"First Federal was incredibly helpful and made the process of buying our first home a smooth and enjoyable experience. Their thoroughness and expertise were evident at every step, ensuring we fully understood everything. We highly recommend First Federal to anyone looking to purchase a home."

Tamie G.

Marysville, OH

"I’m thankful to have a hometown bank with A+ service and products. Their residential mortgage department also has quick turn times, tons of programs/products, low fees and rates!"

Yo M.

Marysville, OH

"I had a mortgage with them from April 2014 to June 2022. Every interaction I had with the loan banker, every teller I ever spoke to in person or on the phone was kind, helpful and professional. The building was always clean and inviting and I was almost sad to speak with them for the last time. I highly recommend any and every person using First Federal Community Bank for any banking needs. Thank you so much!"

STEPHEN HARLESS

Mortgage Loan Officer NMLS ID 198171

First Federal Community Bank NMLS ID ORG 419803

18 E William St Suite 3, Delaware, OH 43015 (Inside COhatch)

Cell: 440-364-0323    Email: sharless@ffcb.com

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