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Here's What Our Customers Are Saying

Charles Fisher

"My name is Charles Fisher and I recently did a REFI with your bank and Julio was a my mortgage representative and I wanted to take a minute to inform you of the OUTSTANDING customer service my wife and I received from him. I was very doubtful about getting a REFI because of stories I have heard. Julio went above and beyond to explain the whole process to me and made us feel very comfortable that he promised everything would be OK and he sent me an email with all his credentials that said, he was who he said he was and the bank name so on and so forth. I personally have been the customer service business for over 25 years and you don’t get that kind of service very often anymore!! I just wanted to take a second to tell you the good side of business because you don’t hear the good that often. To end we got .75% lower mortgage rate saving us $77 a month (not a lot) but every little bit helps now in days, and saved us $50k in interest it has been a refreshing pleasure of customer service. If we decide to REFI again or any other type of home loan he will be the FIRST and only call I make!!! Please take the time to personally thank him for a job well done!!!"

Charles Fisher

5.0
2019-05-09T17:42:55-04:00

Charles Fisher

"My name is Charles Fisher and I recently did a REFI with your bank and Julio was a my mortgage representative and I wanted to take a minute to inform you of the OUTSTANDING customer service my wife and I received from him. I was very doubtful about getting a REFI because of stories I have heard. Julio went above and beyond to explain the whole process to me and made us feel very comfortable that he promised everything would be OK and he sent me an email with all his credentials that said, he was who he said he was and the bank name so on and so forth. I personally have been the customer service business for over 25 years and you don’t get that kind of service very often anymore!! I just wanted to take a second to tell you the good side of business because you don’t hear the good that often. To end we got .75% lower mortgage rate saving us $77 a month (not a lot) but every little bit helps now in days, and saved us $50k in interest it has been a refreshing pleasure of customer service. If we decide to REFI again or any other type of home loan he will be the FIRST and only call I make!!! Please take the time to personally thank him for a job well done!!!"

Walter Davis

"I do not read solicitations I get in the mail, but I was in the market for refinancing and received a mailing from First Federal Bank. What stood out the most, was them being a VA approved lender. I submitted my request online and had a response within a few hours. From initial contact to closing was 23 days. The process was simple and upfront, with no guess work or run around. James Kroupa and his team were exceptional and carried me through the entire process. What I liked most was the levying of multiple forms of communication. We were able to handle most of our communication through text and email, and in a few cases via phone calls. James Kroupa and his team were exceptional and they made this process very simple. James was honest and upfront and didn't feed me lines to try and coax me into working, or get my hopes about, a transaction that wouldn't be approved. I'm completely satisfied the way this process was handled and its outcome. I don't recommend businesses and such, but I would recommend James and the bank he represents should anyone I know be in the market for refinancing in the future."
5.0
2019-05-10T09:28:28-04:00
"I do not read solicitations I get in the mail, but I was in the market for refinancing and received a mailing from First Federal Bank. What stood out the most, was them being a VA approved lender. I submitted my request online and had a response within a few hours. From initial contact to closing was 23 days. The process was simple and upfront, with no guess work or run around. James Kroupa and his team were exceptional and carried me through the entire process. What I liked most was the levying of multiple forms of communication. We were able to handle most of our communication through text and email, and in a few cases via phone calls. James Kroupa and his team were exceptional and they made this process very simple. James was honest and upfront and didn't feed me lines to try and coax me into working, or get my hopes about, a transaction that wouldn't be approved. I'm completely satisfied the way this process was handled and its outcome. I don't recommend businesses and such, but I would recommend James and the bank he represents should anyone I know be in the market for refinancing in the future."

Robert E Gillette

“On behalf of my spouse, Lizana Gillette and I, Robert Gillette, I would like to take this opportunity to thank you and your staff member Nick Franckowiak for the excellent manner in which he managed the refinancing of our home. Nick was very courteous and patient throughout the procedure. He answered all of our questions in a very satisfactory manner. In our estimation, he was very efficient and represented your company in a exemplary manner. I believe that Nick should be commended for the excellent manner in which he assisted my spouse and I. Again, thank you both for the excellent work.”

Robert E Gillette

5.0
2019-05-20T10:43:22-04:00

Robert E Gillette

“On behalf of my spouse, Lizana Gillette and I, Robert Gillette, I would like to take this opportunity to thank you and your staff member Nick Franckowiak for the excellent manner in which he managed the refinancing of our home. Nick was very courteous and patient throughout the procedure. He answered all of our questions in a very satisfactory manner. In our estimation, he was very efficient and represented your company in a exemplary manner. I believe that Nick should be commended for the excellent manner in which he assisted my spouse and I. Again, thank you both for the excellent work.”

Patsy Nelson

"I chose to go with Chad Joseph Bucceri on February 2019 we closed our loan on March 2019. Joseph was in contact with almost every day keeping me informed on the process of our loan. About 3 weeks and the closing went so smooth, I had been to several loans before but this has been the easiest process working with Mr. Bucceri I would recommend him to anyone looking to purchase or refinance. Excellent customer service."

Patsy Nelson

5.0
2019-05-20T10:44:05-04:00

Patsy Nelson

"I chose to go with Chad Joseph Bucceri on February 2019 we closed our loan on March 2019. Joseph was in contact with almost every day keeping me informed on the process of our loan. About 3 weeks and the closing went so smooth, I had been to several loans before but this has been the easiest process working with Mr. Bucceri I would recommend him to anyone looking to purchase or refinance. Excellent customer service."

Julie O.

“From the beginning of the communication with Jamie he became a true partner in helping me go through the loan process. Jamie not only assured me of his professional experience with CBC National Bank and its loan process, but looked out for my best interest, answered questions and kept me in the loop such that the entire experience was a success from beginning to end. I really enjoyed working with Jamie and will gladly refer family and friends to him for loan assistance! His professionalism in working with me as a client in helping me obtain a better loan was top notch and it showed that he truly cared for my best outcome!”
2019-05-20T10:44:39-04:00
“From the beginning of the communication with Jamie he became a true partner in helping me go through the loan process. Jamie not only assured me of his professional experience with CBC National Bank and its loan process, but looked out for my best interest, answered questions and kept me in the loop such that the entire experience was a success from beginning to end. I really enjoyed working with Jamie and will gladly refer family and friends to him for loan assistance! His professionalism in working with me as a client in helping me obtain a better loan was top notch and it showed that he truly cared for my best outcome!”

A. Anderson

"I have never worked with a more supportive group of people before. This was my first time doing a refinance and when I asked for some information I was provided with easy to understand spread sheets. Stacy was a big help and made this process easy. As a US Army Vet I felt I was truly taken care of."

A. Anderson

5.0
2019-05-20T10:45:20-04:00

A. Anderson

"I have never worked with a more supportive group of people before. This was my first time doing a refinance and when I asked for some information I was provided with easy to understand spread sheets. Stacy was a big help and made this process easy. As a US Army Vet I felt I was truly taken care of."

Marshall Pierite

"My name is Marshall Pierite, a veteran of the USMC. I am proud to say that Stacy Bohan was instrumental in assisting in helping me finance my home, Stacy was committed from beginning to end in educating me throughout the whole process. She was extremely transparent and answered every question I had and she taken a lot of her time addressing any concerns I may have had. I felt that I was part of the First Federal Bank family and not just a customer. Once again, thank you Stacy, we really appreciate you."

Marshall Pierite

5.0
2019-05-20T10:46:18-04:00

Marshall Pierite

"My name is Marshall Pierite, a veteran of the USMC. I am proud to say that Stacy Bohan was instrumental in assisting in helping me finance my home, Stacy was committed from beginning to end in educating me throughout the whole process. She was extremely transparent and answered every question I had and she taken a lot of her time addressing any concerns I may have had. I felt that I was part of the First Federal Bank family and not just a customer. Once again, thank you Stacy, we really appreciate you."

Louis Horner

"Dear Stacy Bohan,
As a Captain in the United States Army, I finally began to research the possibilty of refinancing my home with a VA mortage. I contacted several companies that assisted veterans with completing this process. After an exhausting search, I was happy to locate First Federal Bank. Better than that, I was introduced to Ms.Stacy Bohan who I can not say enough about. Ms.Bohan explained the entire process,collected all the necessary information, set up all the meetings with the supporting staff and finally located and secured the appropriated lender for my particular situation. I have had my new refinanced mortgage for several months now and I am completely satisfied. In my service to my country, I wish I had personnel in my command like Ms Bohan and her staff. I would highly recommend First Federal Bank and their supporting staff to my fellow veterans."

Louis Horner

5.0
2019-05-20T10:46:56-04:00

Louis Horner

"Dear Stacy Bohan, As a Captain in the United States Army, I finally began to research the possibilty of refinancing my home with a VA mortage. I contacted several companies that assisted veterans with completing this process. After an exhausting search, I was happy to locate First Federal Bank. Better than that, I was introduced to Ms.Stacy Bohan who I can not say enough about. Ms.Bohan explained the entire process,collected all the necessary information, set up all the meetings with the supporting staff and finally located and secured the appropriated lender for my particular situation. I have had my new refinanced mortgage for several months now and I am completely satisfied. In my service to my country, I wish I had personnel in my command like Ms Bohan and her staff. I would highly recommend First Federal Bank and their supporting staff to my fellow veterans."

Mike and Patti Frey

"It was a pleasure working with you. It seemed like every group you had to work with threw up road blocks, to be honest, I was ready to pull the plug several times, but your reassurance and positive can do spirit made me stick to it. And last evening we closed, the reduction in percent rate and cash back from a mortgage holiday and the escrow refund will come in handy. You deserve what we say in the Navy, Bravo Zulu, well done, you went above and beyond, thank you, and you didn’t even have any damage from Irma, see god was looking out for you. Thanks again, I’ll recommend you and your bank for anyone thinking of refinancing."

Mike and Patti Frey

5.0
2019-05-20T10:47:20-04:00

Mike and Patti Frey

"It was a pleasure working with you. It seemed like every group you had to work with threw up road blocks, to be honest, I was ready to pull the plug several times, but your reassurance and positive can do spirit made me stick to it. And last evening we closed, the reduction in percent rate and cash back from a mortgage holiday and the escrow refund will come in handy. You deserve what we say in the Navy, Bravo Zulu, well done, you went above and beyond, thank you, and you didn’t even have any damage from Irma, see god was looking out for you. Thanks again, I’ll recommend you and your bank for anyone thinking of refinancing."

Conni J Conner (Baugh)

"From a mailing for veterans (one of many), I called Chris to obtain some basic information. I noted his name and when I was ready to refinance I called back two years later based on his honest and genuine demeanor. He was never pushy. Excellent communication and follow through on any questions. Anticipated future questions and sent me information throughout the process, well after closing. He made me feel like I was his only customer. His advice and knowledge helped me attain financial freedom for the first time in my life. I am extremely grateful. Thank you Chris!!"

Conni J Conner (Baugh)

5.0
2019-05-20T10:47:49-04:00

Conni J Conner (Baugh)

"From a mailing for veterans (one of many), I called Chris to obtain some basic information. I noted his name and when I was ready to refinance I called back two years later based on his honest and genuine demeanor. He was never pushy. Excellent communication and follow through on any questions. Anticipated future questions and sent me information throughout the process, well after closing. He made me feel like I was his only customer. His advice and knowledge helped me attain financial freedom for the first time in my life. I am extremely grateful. Thank you Chris!!"

Suzan Harvey

"I’m old school when it comes to banks and loans. My husband and I used to walk into our local hometown bank and ask for a loan. They would ask how much and cut us a check. Well, those days are gone. It blows my mind that everything is handled online through emails, scans, phone calls and websites, and it’s scary. With identity theft on the rise, you can’t be too careful. FFB was my go-to bank when I found myself in need of debt consolidation and refinancing. I had worked with them a couple of years ago and was very satisfied, so I contacted them again. Not only were they able to save me hundreds every month in credit card interest, but the whole process took a little over two weeks from start to finish. The communication is excellent, the company is trustworthy and they have the best customer service I’ve ever had. Thank you James Kroupa! Don’t hesitate to ask this bank for help with your loan; they are the best!"

Refinance loan in Palm Harbor, Florida

Suzan Harvey

5.0
2019-05-20T10:48:26-04:00

Suzan Harvey

"I’m old school when it comes to banks and loans. My husband and I used to walk into our local hometown bank and ask for a loan. They would ask how much and cut us a check. Well, those days are gone. It blows my mind that everything is handled online through emails, scans, phone calls and websites, and it’s scary. With identity theft on the rise, you can’t be too careful. FFB was my go-to bank when I found myself in need of debt consolidation and refinancing. I had worked with them a couple of years ago and was very satisfied, so I contacted them again. Not only were they able to save me hundreds every month in credit card interest, but the whole process took a little over two weeks from start to finish. The communication is excellent, the company is trustworthy and they have the best customer service I’ve ever had. Thank you James Kroupa! Don’t hesitate to ask this bank for help with your loan; they are the best!" Refinance loan in Palm Harbor, Florida

Denny and Rosemary Welch

"Working with Chris Moroz and FFB this past year to get a VA refi for our home in Cool, CA was an absolute pleasure. It was always apparent that Chris had our best interests in mind and he consistently went beyond our expectations as he put together our loan. We highly recommend this company and will always appreciate the way Chris worked with us."

Denny and Rosemary Welch

5.0
2019-05-20T10:48:52-04:00

Denny and Rosemary Welch

"Working with Chris Moroz and FFB this past year to get a VA refi for our home in Cool, CA was an absolute pleasure. It was always apparent that Chris had our best interests in mind and he consistently went beyond our expectations as he put together our loan. We highly recommend this company and will always appreciate the way Chris worked with us."

Alan Fraher

“It’s very rare when a lender exceeds my expectations. James made getting my refinancing loan as painless as possible while my ex caused a lot of problems. He was never more than a phone call away and always took the time to make sure I understood everything. He called / emailed to check in and was with me throughout the entire process. He is extremely knowledgeable and very hard working. He was a dream to work with and I will be recommending him to everyone I know! He is awesome and needs a promotion!”

Alan Fraher

5.0
2019-05-20T10:49:17-04:00

Alan Fraher

“It’s very rare when a lender exceeds my expectations. James made getting my refinancing loan as painless as possible while my ex caused a lot of problems. He was never more than a phone call away and always took the time to make sure I understood everything. He called / emailed to check in and was with me throughout the entire process. He is extremely knowledgeable and very hard working. He was a dream to work with and I will be recommending him to everyone I know! He is awesome and needs a promotion!”

Andrea and Martin Lott

“Because we answered a simple phone call, a veteran family has a fixed mortgage, with an awesome interest rate, financial freedom and the brightest financial outlook in forty years…
- My husband and 25-year Navy veteran answered a call one day while we were in our vehicle traveling, my husband resolved that we could not pass up consideration of the options posed to us. We were not pressured or smooth talked we were simply asked what we were looking for in refinancing our home. We were presented with facts which raised interest; we considered our options which nurtured hope. Before we reached our destination, we made a decision which took just over 30 days to fruition. Every step of the process we had access to knowledgeable, caring, and genuine direction. We were able to ask questions and get information almost literally at our fingertips and often beyond the typical 9-5 workday. James Kroupa is a true professional who goes above and beyond!  Because of our experience, and because of the integrity of First Federal Bank, we can strongly recommend to anyone wanting to refinance their home (especially US Armed Services Veterans), to pick up the phone and make a call… it will be more than well worth your time and as we tell our friends and neighbors… Because we answered a simple phone call, we received a true blessing!”

Andrea and Martin Lott

5.0
2019-05-20T10:49:55-04:00

Andrea and Martin Lott

“Because we answered a simple phone call, a veteran family has a fixed mortgage, with an awesome interest rate, financial freedom and the brightest financial outlook in forty years… - My husband and 25-year Navy veteran answered a call one day while we were in our vehicle traveling, my husband resolved that we could not pass up consideration of the options posed to us. We were not pressured or smooth talked we were simply asked what we were looking for in refinancing our home. We were presented with facts which raised interest; we considered our options which nurtured hope. Before we reached our destination, we made a decision which took just over 30 days to fruition. Every step of the process we had access to knowledgeable, caring, and genuine direction. We were able to ask questions and get information almost literally at our fingertips and often beyond the typical 9-5 workday. James Kroupa is a true professional who goes above and beyond!  Because of our experience, and because of the integrity of First Federal Bank, we can strongly recommend to anyone wanting to refinance their home (especially US Armed Services Veterans), to pick up the phone and make a call… it will be more than well worth your time and as we tell our friends and neighbors… Because we answered a simple phone call, we received a true blessing!”

Lee Zannoni

"James Kroupa and his team handled the refinance of my home. I was extremely satisfied on their attention to detail and how they handle my refi. I was also extremely impressed with how quickly they handled all of the paperwork that was needed to be processed. The great efficiency that James and his staff did, made my refi PAINLESS. I would definitely recommend James and his staff for your next mortgage or refinance. James keeps you in the loop through the whole process which normally is stressful, but for me it was a breeze. I have already recommended James to my family and friends and they were also extremely satisfied with the professionalism and attention to detail that he and his staff provides. Thank you guys for all of your hard work that you have done for me! Keep up the GREAT SERVICE!"

Lee Zannoni

5.0
2019-05-20T10:50:20-04:00

Lee Zannoni

"James Kroupa and his team handled the refinance of my home. I was extremely satisfied on their attention to detail and how they handle my refi. I was also extremely impressed with how quickly they handled all of the paperwork that was needed to be processed. The great efficiency that James and his staff did, made my refi PAINLESS. I would definitely recommend James and his staff for your next mortgage or refinance. James keeps you in the loop through the whole process which normally is stressful, but for me it was a breeze. I have already recommended James to my family and friends and they were also extremely satisfied with the professionalism and attention to detail that he and his staff provides. Thank you guys for all of your hard work that you have done for me! Keep up the GREAT SERVICE!"

Maria Brachetti

Times are tough and we were very skeptical with that first call we received by Jamie Adcock, but his determination, reassurance and willingness to help us back on our feet made us continue the loan process. During the process he kept us informed and proactively shared next steps to ensure we were on course. His work ethic and professionalism ensured that the loan process ran smoothly and we were able to close shy of 30 days! we placed our trust on Jamie and First Federal Bank and they delivered! Now, we are gearing our efforts to follow our financial plan posed by FFB and ensure it is met. Definitely, recommending Jamie and FFB to help another family in need of financial stability. Continue the "Can Do!" attitude...

Maria Brachetti

5.0
2019-05-20T10:50:44-04:00

Maria Brachetti

Times are tough and we were very skeptical with that first call we received by Jamie Adcock, but his determination, reassurance and willingness to help us back on our feet made us continue the loan process. During the process he kept us informed and proactively shared next steps to ensure we were on course. His work ethic and professionalism ensured that the loan process ran smoothly and we were able to close shy of 30 days! we placed our trust on Jamie and First Federal Bank and they delivered! Now, we are gearing our efforts to follow our financial plan posed by FFB and ensure it is met. Definitely, recommending Jamie and FFB to help another family in need of financial stability. Continue the "Can Do!" attitude...

Kathy B

"We just refinanced our mortgage through First Federal Bank and closed on it last night. I just wanted to send you a quick note on how wonderful it was working with Jeffrey Kilcoyne. He was so thorough and kept us informed throughout the whole process. Due to my last experience with Quicken Loans, I was very reluctant to move forward with trying to refinance our home. However, Jeff was amazing in educating me on things that I did not even know about mortgages and I am extremely grateful that he took the time to explain these key factors to me. This was such a wonderful experience for us that I have even referred him to my son and daughter-in-law to refinance their VA loan! Again, thank you so much for the awesome customer service!

Kathy B

5.0
2019-05-20T10:51:20-04:00

Kathy B

"We just refinanced our mortgage through First Federal Bank and closed on it last night. I just wanted to send you a quick note on how wonderful it was working with Jeffrey Kilcoyne. He was so thorough and kept us informed throughout the whole process. Due to my last experience with Quicken Loans, I was very reluctant to move forward with trying to refinance our home. However, Jeff was amazing in educating me on things that I did not even know about mortgages and I am extremely grateful that he took the time to explain these key factors to me. This was such a wonderful experience for us that I have even referred him to my son and daughter-in-law to refinance their VA loan! Again, thank you so much for the awesome customer service!

Duane B

"Top notch: Very timely, helpful, and took initiative."

Duane B

5.0
2019-05-20T10:51:48-04:00

Duane B

"Top notch: Very timely, helpful, and took initiative."

Bronson G

"FFB needs to groom more people like Michael Schies. He was able to answer all questions and anticipate their questions before they asked them. Extremely satisfied with his experience and has already referred three other people and gave us another one today. Wouldn't work with anyone else but Michael Schies in the future."

Bronson G

5.0
2019-05-20T10:52:20-04:00

Bronson G

"FFB needs to groom more people like Michael Schies. He was able to answer all questions and anticipate their questions before they asked them. Extremely satisfied with his experience and has already referred three other people and gave us another one today. Wouldn't work with anyone else but Michael Schies in the future."

Michael H

"10 out of 10 experience"

Michael H

5.0
2019-05-20T10:52:44-04:00

Michael H

"10 out of 10 experience"

Waylon A

"My experience working with FFB and Laurie Turner far exceeds any bank or loan officer I have ever worked with."

Waylon A

5.0
2019-05-20T10:53:12-04:00

Waylon A

"My experience working with FFB and Laurie Turner far exceeds any bank or loan officer I have ever worked with."

Kenneth G

"Extremely satisfied with Tom Z -- second time working with Tom"

Kenneth G

5.0
2019-05-20T11:38:30-04:00

Kenneth G

"Extremely satisfied with Tom Z -- second time working with Tom"

David A Tartaglia, Sgt USAF Retired

"Recently, I had a unique experience with a VA Refinance allowing me to consolidate some debts but getting there was a long journey and if it was not for Mr. Michael Schies of First Federal Bank it would never have made it to closing. Like many Americans my debt to income ratio was not very good because I fell victim to heavy credit card use but never had even one late payment. Where other loan officers gave up, Mr. Schies persisted and was able to see that I was not responsible for an account listed on my credit report and other irregularities which allowed the loan to pass VA guidelines and underwriting. Thanks to Mr. Schies’ professionalism, perseverance, knowledge of VA regulations, and communication skills he was able to bring my loan to closing when others could not."

David A Tartaglia, Sgt USAF Retired

5.0
2019-05-20T11:39:08-04:00

David A Tartaglia, Sgt USAF Retired

"Recently, I had a unique experience with a VA Refinance allowing me to consolidate some debts but getting there was a long journey and if it was not for Mr. Michael Schies of First Federal Bank it would never have made it to closing. Like many Americans my debt to income ratio was not very good because I fell victim to heavy credit card use but never had even one late payment. Where other loan officers gave up, Mr. Schies persisted and was able to see that I was not responsible for an account listed on my credit report and other irregularities which allowed the loan to pass VA guidelines and underwriting. Thanks to Mr. Schies’ professionalism, perseverance, knowledge of VA regulations, and communication skills he was able to bring my loan to closing when others could not."

Bob and Gay Franz

"Just a quick note to express how much my wife and I appreciated working with Clay Comer on our mortgage refi. Both Gay and I agree that Clay is a 1st class representative for your company. He was very patient and professional in dealing with a couple of bumps along the way. He is truly a great employee of First Federal Bank. You should consider taking he and Jason out to lunch some time. We strongly recommend both of them for anyone’s future mortgage needs."

Bob and Gay Franz

5.0
2019-05-20T11:39:34-04:00

Bob and Gay Franz

"Just a quick note to express how much my wife and I appreciated working with Clay Comer on our mortgage refi. Both Gay and I agree that Clay is a 1st class representative for your company. He was very patient and professional in dealing with a couple of bumps along the way. He is truly a great employee of First Federal Bank. You should consider taking he and Jason out to lunch some time. We strongly recommend both of them for anyone’s future mortgage needs."

Mike and Patti Frey

"It was a pleasure working with you. It seemed like every group you had to work with threw up road blocks, to be honest, I was ready to pull the plug several times, but your reassurance and positive can do spirit made me stick to it. And last evening we closed, the reduction in percent rate and cash back from a mortgage holiday and the escrow refund will come in handy. You deserve what we say in the Navy, Bravo Zulu, well done, you went above and beyond, thank you, and you didn’t even have any damage from Irma, see god was looking out for you. Thanks again, I’ll recommend you and your bank for anyone thinking of refinancing."

Mike and Patti Frey

5.0
2019-05-20T11:50:22-04:00

Mike and Patti Frey

"It was a pleasure working with you. It seemed like every group you had to work with threw up road blocks, to be honest, I was ready to pull the plug several times, but your reassurance and positive can do spirit made me stick to it. And last evening we closed, the reduction in percent rate and cash back from a mortgage holiday and the escrow refund will come in handy. You deserve what we say in the Navy, Bravo Zulu, well done, you went above and beyond, thank you, and you didn’t even have any damage from Irma, see god was looking out for you. Thanks again, I’ll recommend you and your bank for anyone thinking of refinancing."

Daniel Bowling

"My wife, Dana Curtis, and I want you to know how much we appreciate the expertise and thoughtfulness of Tom Zinschlag. During our decision-making regarding whether to refinance, Tom provided very clear and helpful information without exerting any pressure for us to make the decision to refinance. He also investigated a number of different alternatives, explaining each one thoroughly to help us make the basic refinance decision as well as the choice of which product to use. During the process of gathering our financial documentation, Tom was exceptionally patient with our busy lives as lawyer/mediators in getting back to him. He was very thorough and careful. Given the difficulty of documenting loans these days and the size of our loan, we are very appreciative for Tom’s excellent and outstanding service. You have a “keeper” in Tom."

Daniel Bowling

5.0
2019-05-20T11:50:52-04:00

Daniel Bowling

"My wife, Dana Curtis, and I want you to know how much we appreciate the expertise and thoughtfulness of Tom Zinschlag. During our decision-making regarding whether to refinance, Tom provided very clear and helpful information without exerting any pressure for us to make the decision to refinance. He also investigated a number of different alternatives, explaining each one thoroughly to help us make the basic refinance decision as well as the choice of which product to use. During the process of gathering our financial documentation, Tom was exceptionally patient with our busy lives as lawyer/mediators in getting back to him. He was very thorough and careful. Given the difficulty of documenting loans these days and the size of our loan, we are very appreciative for Tom’s excellent and outstanding service. You have a “keeper” in Tom."

Michael Hildebrand Sgt. USMC

"Thank you for all of the assistance you provided. You made this process very easy and took time to explain everything in a very easy to understand manner. The representative (Jeff Kilcoyne) that helped us was very professional, understanding, and most of all, helpful. He took the time to explain every last detail and look for the best opportunity for us. His friendly demeanor and knowledge made this process very easy and timely. I would do business with this bank again and highly recommend it to others! Thank you very much!"

Michael Hildebrand Sgt. USMC

5.0
2019-05-20T11:51:25-04:00

Michael Hildebrand Sgt. USMC

"Thank you for all of the assistance you provided. You made this process very easy and took time to explain everything in a very easy to understand manner. The representative (Jeff Kilcoyne) that helped us was very professional, understanding, and most of all, helpful. He took the time to explain every last detail and look for the best opportunity for us. His friendly demeanor and knowledge made this process very easy and timely. I would do business with this bank again and highly recommend it to others! Thank you very much!"

Mr. James Dewey Stair, DOD, USN, Retired

"As Loan Representative, Mr. Thomas Zinschlag’s Supervisor, I feel it necessary to provide you with “Feedback” on your employees performance regarding my recent loan process with First Federal Bank. You must understand that as a seventy-five year old DOD USN Military/USN Civil Servant Retiree with over forty plus years working for the government, I have been “Around The Horn” a couple of times, so to speak. I have heard every sales pitch in the book & some. Your Mr. Zinschlag is the best at what he does. I have always equated all loan/sales representatives as somewhat like “Used Car Salesmen”, trying to get you to purchase a product you don’t need or want ! Not Tom, Yes over the past few weeks I have gained a lot of respect for this Gentleman & we have become Friends on a first name basis. I have grown to trust him in all matters regarding my just completed loan. I have often felt like he was my younger brother giving me advice. I believe I even told him once that If he were a Doctor, I would say that he has an Excellent Bed Side Manner. Throughout this loan process he has made it easy for me to decide for myself. Yes, as like most people of my age group, we don’t go in for the technique of “Pressure” Salesmanship. We like to be treated with respect & dignity, more than most I suppose. In that respect I give Tom an A+, for he went above & beyond to answer my questions & fill in the gaps. He was very good at returning all my calls & I sometimes, I was surprised to have him pick up the phone during the late afternoon on the east coast. I just wanted you to know that it has been a “PLEASURE” doing business with First Federal Bank, mainly due to this young man’s efforts. I would recommend that you use him as an Instructor” for the rest of your staff on how to deal with potential clients !!!"

Mr. James Dewey Stair, DOD, USN, Retired

5.0
2019-05-20T11:52:00-04:00

Mr. James Dewey Stair, DOD, USN, Retired

"As Loan Representative, Mr. Thomas Zinschlag’s Supervisor, I feel it necessary to provide you with “Feedback” on your employees performance regarding my recent loan process with First Federal Bank. You must understand that as a seventy-five year old DOD USN Military/USN Civil Servant Retiree with over forty plus years working for the government, I have been “Around The Horn” a couple of times, so to speak. I have heard every sales pitch in the book & some. Your Mr. Zinschlag is the best at what he does. I have always equated all loan/sales representatives as somewhat like “Used Car Salesmen”, trying to get you to purchase a product you don’t need or want ! Not Tom, Yes over the past few weeks I have gained a lot of respect for this Gentleman & we have become Friends on a first name basis. I have grown to trust him in all matters regarding my just completed loan. I have often felt like he was my younger brother giving me advice. I believe I even told him once that If he were a Doctor, I would say that he has an Excellent Bed Side Manner. Throughout this loan process he has made it easy for me to decide for myself. Yes, as like most people of my age group, we don’t go in for the technique of “Pressure” Salesmanship. We like to be treated with respect & dignity, more than most I suppose. In that respect I give Tom an A+, for he went above & beyond to answer my questions & fill in the gaps. He was very good at returning all my calls & I sometimes, I was surprised to have him pick up the phone during the late afternoon on the east coast. I just wanted you to know...

Closed purchase loan, Atlanta, GA

"Our experience with First Federal Bank, was undeniably top-notch! Without a doubt, the process to obtain a mortgage can be extremely daunting. FFB worked tirelessly to provide consistent information and thorough feedback from beginning to end. Our loan was a bit more complicated than the norm, but we felt confident that the typically convoluted path towards closing was going to be well-charted with every loop closed–and it was. At no point did we experience anything short of first-class service, and in fact, FFB ensured that we received solid guidance and honest advice throughout. Coupled with friendly service and superior professionalism, we would highly recommend First Federal Bank as your “go-to” destination for your mortgage needs!"

Closed purchase loan, Atlanta, GA

5.0
2019-05-20T11:52:24-04:00

Closed purchase loan, Atlanta, GA

"Our experience with First Federal Bank, was undeniably top-notch! Without a doubt, the process to obtain a mortgage can be extremely daunting. FFB worked tirelessly to provide consistent information and thorough feedback from beginning to end. Our loan was a bit more complicated than the norm, but we felt confident that the typically convoluted path towards closing was going to be well-charted with every loop closed–and it was. At no point did we experience anything short of first-class service, and in fact, FFB ensured that we received solid guidance and honest advice throughout. Coupled with friendly service and superior professionalism, we would highly recommend First Federal Bank as your “go-to” destination for your mortgage needs!"

Closed refinance loan, Raleigh, NC

"My wife and I worked with First Federal Bank in refinancing our home in Northern, VA. They are incredibly knowledgeable and make the process painless. The rate we were able to obtain was 50 basis points better than anywhere else. I highly recommend touching base with them – you won’t find a better group out there (believe me, we do our research)."

Closed refinance loan, Raleigh, NC

5.0
2019-05-20T11:53:23-04:00

Closed refinance loan, Raleigh, NC

"My wife and I worked with First Federal Bank in refinancing our home in Northern, VA. They are incredibly knowledgeable and make the process painless. The rate we were able to obtain was 50 basis points better than anywhere else. I highly recommend touching base with them – you won’t find a better group out there (believe me, we do our research)."

Closed refinance loan, Streetsboro, OH

"First Federal Bank responded very quickly to my request for information on refinance rates. Once I decided to go with FFB the process went quickly and smoothly. They guided me through each step answering all of my questions promptly and ensured we closed in a short period of time. Fantastic service."

Closed refinance loan, Streetsboro, OH

5.0
2019-05-20T11:53:55-04:00

Closed refinance loan, Streetsboro, OH

"First Federal Bank responded very quickly to my request for information on refinance rates. Once I decided to go with FFB the process went quickly and smoothly. They guided me through each step answering all of my questions promptly and ensured we closed in a short period of time. Fantastic service."

Closed refinance loan, Decatur, GA

"All the big banks said “No,” to our request to refinance. One of them even said, “don’t waste your time. If we can’t do it, no one can.” I shared this story with my neighbor. He told me to call First Federal Bank. They went to work and made it happen. FFB is responsive, knowledgeable, friendly and persistent. I knew immediately when I spoke with them that they were going to make our refinance happen. They did and we are forever thankful to our neighbor for introducing us and to FFB for working out our refinance. We now have mortgage professionals we know we can count on."

Closed refinance loan, Decatur, GA

5.0
2019-05-20T11:59:20-04:00

Closed refinance loan, Decatur, GA

"All the big banks said “No,” to our request to refinance. One of them even said, “don’t waste your time. If we can’t do it, no one can.” I shared this story with my neighbor. He told me to call First Federal Bank. They went to work and made it happen. FFB is responsive, knowledgeable, friendly and persistent. I knew immediately when I spoke with them that they were going to make our refinance happen. They did and we are forever thankful to our neighbor for introducing us and to FFB for working out our refinance. We now have mortgage professionals we know we can count on."

Lillian S.

"My name is Lillian M. Stewart. Last year 2016 I was given Michael Schies phone number so I could get info on refinancing my Mortage. My daughter and her husband just refinanced their mortgage with Michael. They we’re completely satisfied and my daughter knew I would be in good hands with Michael Schies. As it turned out,I WAS from the first Hello. My experience working with Michael and First Federal Bank was the best and most rewarding feeling. My life is in a better NO stress place because of this experience. Some mortgage companies,once the refi is over,you’re history,and if you have a question ,forget it! I had many questions afterwards, and Michael was always helpful and never not had time to return my calls. I would recommend Michael and FFB to anyone of my family members or friends,why because they would be in Good Hands."

Lillian S.

5.0
2019-05-20T11:59:50-04:00

Lillian S.

"My name is Lillian M. Stewart. Last year 2016 I was given Michael Schies phone number so I could get info on refinancing my Mortage. My daughter and her husband just refinanced their mortgage with Michael. They we’re completely satisfied and my daughter knew I would be in good hands with Michael Schies. As it turned out,I WAS from the first Hello. My experience working with Michael and First Federal Bank was the best and most rewarding feeling. My life is in a better NO stress place because of this experience. Some mortgage companies,once the refi is over,you’re history,and if you have a question ,forget it! I had many questions afterwards, and Michael was always helpful and never not had time to return my calls. I would recommend Michael and FFB to anyone of my family members or friends,why because they would be in Good Hands."

Nic W.

"I have to satisfy a deep need to myself and send you my sincere thanks and gratitude for your recent help or better stated your Superior Professional and personal services in acquiring the Veterans Refinance of my home. I can remember the day some fellow out of the blue called and asked if I would be interested in a guaranteed VA Home Refinance if my current APR was reduced more than a certain amount, and if it was would I be available to speak to someone who might help. I really was not all that interested at the time because I did not think that I would qualify, but agreed to speak to someone. A few days later I received your call, and that began an actual wonderful experience that I shall never forget. I began speaking with you about a simple refinance to lower the percentage rate of my Veterans mortgage loan and my monthly mortgage payment, and before it was over with you made it possible for not only a better overall payment situation, but made funds available for me to perform many necessary repairs and upgrades to my property that would be a need and a want in the future. There were many hurdles to scale and overcome for me to get to where you could make the near impossible possible, and with an ultra impressive and reasonable finance situation. On top of all of your efforts I at times became not the easiest individual to deal with, but you stuck it out and made me realize that you could make things work – and you did !!!! Thanks Laurie – I will be I debt to you as long as I am vertical."

Nic W.

5.0
2019-05-20T12:00:15-04:00

Nic W.

"I have to satisfy a deep need to myself and send you my sincere thanks and gratitude for your recent help or better stated your Superior Professional and personal services in acquiring the Veterans Refinance of my home. I can remember the day some fellow out of the blue called and asked if I would be interested in a guaranteed VA Home Refinance if my current APR was reduced more than a certain amount, and if it was would I be available to speak to someone who might help. I really was not all that interested at the time because I did not think that I would qualify, but agreed to speak to someone. A few days later I received your call, and that began an actual wonderful experience that I shall never forget. I began speaking with you about a simple refinance to lower the percentage rate of my Veterans mortgage loan and my monthly mortgage payment, and before it was over with you made it possible for not only a better overall payment situation, but made funds available for me to perform many necessary repairs and upgrades to my property that would be a need and a want in the future. There were many hurdles to scale and overcome for me to get to where you could make the near impossible possible, and with an ultra impressive and reasonable finance situation. On top of all of your efforts I at times became not the easiest individual to deal with, but you stuck it out and made me realize that you could make things work – and you did !!!! Thanks Laurie – I will be I debt to you as long as I am vertical."

Heather L.

"Julio Cortez gave us sound financial advice! He took the time to answer all of our questions. He handled all aspects of our refinance and transfer into a VA loan in a professional manner! I would highly recommend him to other veterans and my friends! He earned our trust and respect!"

Heather L.

5.0
2019-05-20T12:01:16-04:00

Heather L.

"Julio Cortez gave us sound financial advice! He took the time to answer all of our questions. He handled all aspects of our refinance and transfer into a VA loan in a professional manner! I would highly recommend him to other veterans and my friends! He earned our trust and respect!"

Glenn

"As a retired businessman, I have set expectation levels to measure up to for each of my daily transactions. Yesterday, for example, it was with a very large financial institution that insists all is well with their automated phone service tagged along with their off shore customer service. Total failure to my expectations. This kind of business practice is what should be, and is, I believe, the core success of a company. My business relationship with FFB was totally and completely the opposite. My contact with FFB, Jason Parent, was always the one to answer the phone, always followed up on what he had promised and successfully brought closure to our Veteran Refinancing experience. An experience that I can pass along to others with a vote of confidence along with a good feeling for the future of my wife and myself during our retirement years. If you want to experience that personal contact, fact gathering, necessary communication, follow up and follow through to closure, give Jason a call!!"

Glenn

5.0
2019-05-20T12:01:49-04:00

Glenn

"As a retired businessman, I have set expectation levels to measure up to for each of my daily transactions. Yesterday, for example, it was with a very large financial institution that insists all is well with their automated phone service tagged along with their off shore customer service. Total failure to my expectations. This kind of business practice is what should be, and is, I believe, the core success of a company. My business relationship with FFB was totally and completely the opposite. My contact with FFB, Jason Parent, was always the one to answer the phone, always followed up on what he had promised and successfully brought closure to our Veteran Refinancing experience. An experience that I can pass along to others with a vote of confidence along with a good feeling for the future of my wife and myself during our retirement years. If you want to experience that personal contact, fact gathering, necessary communication, follow up and follow through to closure, give Jason a call!!"

Roger S., LT Colonel, U.S. Marines

"It was a pleasure to work with Jason Parent at First Federal Bank. Mr. Parent was responsive to all questions, dependable and reliable in accomplishing the task at hand. I was most impressed with the turnaround and how quickly the settlement date was scheduled. Cora and I are very happy with the service we received from Mr. Parent, thank you and thank First Federal Bank."

Roger S., LT Colonel, U.S. Marines

5.0
2019-05-20T12:02:09-04:00

Roger S., LT Colonel, U.S. Marines

"It was a pleasure to work with Jason Parent at First Federal Bank. Mr. Parent was responsive to all questions, dependable and reliable in accomplishing the task at hand. I was most impressed with the turnaround and how quickly the settlement date was scheduled. Cora and I are very happy with the service we received from Mr. Parent, thank you and thank First Federal Bank."

Javier V., Gunnery Sergeant, United States Marine Corps (Retired)

"I want to thank you Michael Schies for the work you have done with my refi and let you know that I appreciate everything you have done during the process. You keep me well informed during the entire time that took to close and, for someone like myself, constant communication and updated information is one of the important things that makes me feel good about the company that I do business with or use to referred friends and family. I will be more than glad to pass the word out to my fellow veterans about your service and your company. Thank you very much for your assistance with the refinancing of my house I really appreciated."

Javier V., Gunnery Sergeant, United States Marine Corps (Retired)

5.0
2019-05-20T12:03:01-04:00

Javier V., Gunnery Sergeant, United States Marine Corps (Retired)

"I want to thank you Michael Schies for the work you have done with my refi and let you know that I appreciate everything you have done during the process. You keep me well informed during the entire time that took to close and, for someone like myself, constant communication and updated information is one of the important things that makes me feel good about the company that I do business with or use to referred friends and family. I will be more than glad to pass the word out to my fellow veterans about your service and your company. Thank you very much for your assistance with the refinancing of my house I really appreciated."

Michael F.

"I closed on a home refinance with First Federal Bank back in May and I have to say that Laurie [Loan Officer] made the process easy and painless. Laurie and First Federal Bank were great to work with. It was just like your neighborhood bank on the phone and over email. Laurie was always available to move the process forward by providing personalized one-on-one attention and professional guidance to ensure that my transaction was completed in an accurate and timely manner. This was truly a once in a lifetime refinance opportunity and Laurie ensured my experience was nothing short of excellent, she provided me with undivided attention and multiple product offerings to meet my financial needs. Consequently, she not only closed my loan on time but in a different state to keep up with my travel plans. The end result, I received a better interest rate and monthly payment for a 15 year fixed mortgage. Thank you so much, for having a professional as Laurie."

Michael F.

5.0
2019-05-20T12:03:27-04:00

Michael F.

"I closed on a home refinance with First Federal Bank back in May and I have to say that Laurie [Loan Officer] made the process easy and painless. Laurie and First Federal Bank were great to work with. It was just like your neighborhood bank on the phone and over email. Laurie was always available to move the process forward by providing personalized one-on-one attention and professional guidance to ensure that my transaction was completed in an accurate and timely manner. This was truly a once in a lifetime refinance opportunity and Laurie ensured my experience was nothing short of excellent, she provided me with undivided attention and multiple product offerings to meet my financial needs. Consequently, she not only closed my loan on time but in a different state to keep up with my travel plans. The end result, I received a better interest rate and monthly payment for a 15 year fixed mortgage. Thank you so much, for having a professional as Laurie."

Kathleen H.

"This was one of the easiest processes ever. Thanks for all your help "

Kathleen H.

5.0
2019-05-20T12:07:07-04:00

Kathleen H.

"This was one of the easiest processes ever. Thanks for all your help "

John M.

"Your person Julio Cortez has been working with us to streamline our house loan. I have worked with several loan officers in the past I have bought an sold around 22 homes in the last 30 years. Out of all the officers I have worked with in the past. Julio Cortez has to be the best one ever, he made it go so smooth. In most all loans there is a clinch not with Julio he made sure it never happened. He is the first loan officer that I have ever recommended, every vet I meet I give his number to them.So I just wanted to say what a wonderful job he did for us, and that he is truly an assist to your company. By the way I am not one to write letters on anyone. With everything we buy today that comes from another countries, all we have is to provide good service. If all your people are like Mr. Cortez you have taken the term great service to a all new level."

John M.

5.0
2019-05-20T12:07:30-04:00

John M.

"Your person Julio Cortez has been working with us to streamline our house loan. I have worked with several loan officers in the past I have bought an sold around 22 homes in the last 30 years. Out of all the officers I have worked with in the past. Julio Cortez has to be the best one ever, he made it go so smooth. In most all loans there is a clinch not with Julio he made sure it never happened. He is the first loan officer that I have ever recommended, every vet I meet I give his number to them.So I just wanted to say what a wonderful job he did for us, and that he is truly an assist to your company. By the way I am not one to write letters on anyone. With everything we buy today that comes from another countries, all we have is to provide good service. If all your people are like Mr. Cortez you have taken the term great service to a all new level."

Mili

"I had an amazing experience with Phil Paci. Even though he was a miles away from where i was. He walked me through what to do to get my dream house. The process was smooth and Professional. He answered all my questions the same day. Worked with Phil it was so good that it was hard to believe that i was buying a house. I don't have words to explain how incredible was his assistants. THANK YOU SO MUCH!"

Mili

5.0
2019-05-20T12:07:54-04:00

Mili

"I had an amazing experience with Phil Paci. Even though he was a miles away from where i was. He walked me through what to do to get my dream house. The process was smooth and Professional. He answered all my questions the same day. Worked with Phil it was so good that it was hard to believe that i was buying a house. I don't have words to explain how incredible was his assistants. THANK YOU SO MUCH!"

Pete T.

"On behalf of my family, I would like to offer my sincerest thanks to MA Thomas Zinschlag and First Federal Bank for superior service in the recent refinancing of our home. It was during the most stressful time for my family (retiring from ~25 years in the military) that Thomas reached out to me and confidently offered a highly competitive refinance which would save my family in the long-run.Without any doubt, Mr. Zinschlag’s under-promised and over-delivered in the re-mortgage of our retirement home. Thomas’ aggressive and professional work ethic, expert communication skill, and meticulous attention to details stand well above our other re-mortgage experiences.I will continue to send our friends and associates to Mr. Zinschlag and First Federal Bank. Keep up the outstanding management and empowerment of senior loan officers like Thomas, and thank you for your bank’s excellence!"

Pete T.

5.0
2019-05-20T12:08:21-04:00

Pete T.

"On behalf of my family, I would like to offer my sincerest thanks to MA Thomas Zinschlag and First Federal Bank for superior service in the recent refinancing of our home. It was during the most stressful time for my family (retiring from ~25 years in the military) that Thomas reached out to me and confidently offered a highly competitive refinance which would save my family in the long-run.Without any doubt, Mr. Zinschlag’s under-promised and over-delivered in the re-mortgage of our retirement home. Thomas’ aggressive and professional work ethic, expert communication skill, and meticulous attention to details stand well above our other re-mortgage experiences.I will continue to send our friends and associates to Mr. Zinschlag and First Federal Bank. Keep up the outstanding management and empowerment of senior loan officers like Thomas, and thank you for your bank’s excellence!"

Charles F.

"My name is Charles Fisher and I recently did a REFI with your bank and Julio was a my mortgage representative and I wanted to take a minute to inform you of the OUTSTANDING customer service my wife and I received from him. I was very doubtful about getting a REFI because of stories I have heard. Julio went above and beyond to explain the whole process to me and made us feel very comfortable that he promised everything would be OK and he sent me an email with all his credentials that said, he was who he said he was and the bank name so on and so forth. I personally have been the customer service business for over 25 years and you don’t get that kind of service very often anymore!! I just wanted to take a second to tell you the good side of business because you don’t hear the good that often. To end we got .75% lower mortgage rate saving us $77 a month (not a lot) but every little bit helps now in days, and saved us $50k in interest it has been a refreshing pleasure of customer service. If we decide to REFI again or any other type of home loan he will be the FIRST and only call I make!!! Please take the time to personally thank him for a job well done!!!"

Charles F.

5.0
2019-05-20T12:08:56-04:00

Charles F.

"My name is Charles Fisher and I recently did a REFI with your bank and Julio was a my mortgage representative and I wanted to take a minute to inform you of the OUTSTANDING customer service my wife and I received from him. I was very doubtful about getting a REFI because of stories I have heard. Julio went above and beyond to explain the whole process to me and made us feel very comfortable that he promised everything would be OK and he sent me an email with all his credentials that said, he was who he said he was and the bank name so on and so forth. I personally have been the customer service business for over 25 years and you don’t get that kind of service very often anymore!! I just wanted to take a second to tell you the good side of business because you don’t hear the good that often. To end we got .75% lower mortgage rate saving us $77 a month (not a lot) but every little bit helps now in days, and saved us $50k in interest it has been a refreshing pleasure of customer service. If we decide to REFI again or any other type of home loan he will be the FIRST and only call I make!!! Please take the time to personally thank him for a job well done!!!"

Zillow

Another awesome experience with David and his team. This is my third or fourth time trusting David and his team as our lender. This time we did a refinance. David was always there to answer our questions with confidence whenever we reached out even at odd hours of the night / day and have us the best rates. He is very knowledgeable with the process and helped guide us through the process with little doubt. We are confident we can count on David and his team to close on time and would definitely seek him out time and time again. Thanks David and team.
2019-09-27T13:09:03-04:00
Another awesome experience with David and his team. This is my third or fourth time trusting David and his team as our lender. This time we did a refinance. David was always there to answer our questions with confidence whenever we reached out even at odd hours of the night / day and have us the best rates. He is very knowledgeable with the process and helped guide us through the process with little doubt. We are confident we can count on David and his team to close on time and would definitely seek him out time and time again. Thanks David and team.
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First Federal Bank, is a FDIC insured nationally chartered mutual savings bank NMLS# 408902. We are an approved VA and FHA Lender. VA Lender: #6353290000 | FHA Lender: #7478000079

First Federal Bank Processing Center located at 3010 Royal Boulevard South, Ste 230, Alpharetta, GA 30022
First Federal Bank Financial Center located at 4705 West US HWY 90, Lake City, FL, 32055

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The information provided in these articles is not intended to be construed as investment advice. First Federal Bank, does not guarantee or warrant the accuracy or completeness of the information or opinions expressed herein. You should always conduct your own research and due diligence and obtain professional advice before making any investment or mortgage related decision. Please reach out to one of our mortgage loan specialists to discuss this information further.

Loan fulfillment will be completed by CBC National Bank Mortgage, a division of First Federal Bank.

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