Dan Murphy, Russ Dailey and Shannon Henegar,  Retail Lenders and Mortgage Loan Officer, have over 45 years experience helping people find the perfect home loan.  As a First Federal Bank customer, you can count on fast, exceptional customer service, competitive rates and the best loan to fit your personal needs. All believe in making your dream home a reality. Call any of them today for your free mortgage pre-qualification!

The following factors should be reviewed before choosing your new home loan:

• How important monthly stability is to you.
• Your ability to qualify at market rates for the loan amount selected.
• How long you plan to stay in your home.
• Expectation of stable versus rising or declining income.
• Level of current market rates - high value versus low.
• Possibility of significant rate changes.
• Existence of up-front costs.
• Your desire for rapid home equity build up.