HOME LOANS & HOME EQUITY LOANS

Your Dream Home Awaits

Whether you’re a first-time homeowner or making space for your growing family, First Federal Bank offers loans designed to meet your specific needs – backed by personal lending experts and quick, local decision making.

Meet the Lenders Apply Online

Purchase, Refinance, or Home Improvement

Competitive Rates & Low Closing Costs

Construction & Permanent Financing

Primary Residences or Second Homes

Fixed or Variable Rates

Residential Lots

Various Terms Available

First Federal Bank Participates in the Following Programs

Conventional

A reliable, flexible home loan with competitive rates and personalized service.

FHA

A government-backed loan with affordable financing options.

VA

A specialized loan for veterans looking to purchase a home.

USDA Rural Housing

A zero-down loan for rural homebuyers with flexible terms.

First-Time Home Buyers

A tailored loan with low down payments for new homeowners.

Affordable Housing Programs

Essential for making homeownership accessible with lower costs and flexible financing options.

State & Parish Programs

Local initiatives offering financial aid, tax credits, and grants for homebuyers.

Down Payment / Closing Cost Assistance Programs

Helps buyers afford a home by reducing upfront costs and financial barriers.

Put Your Equity to Work

Home Equity Loans & Home Equity Lines of Credit

Accessing the money you need is simpler and faster than you think. With the equity in your home, you can consolidate your debt, free up money for virtually anything, and possibly save money by paying off high-interest loans.

Home Equity Loans

Home Equity loans can be used for any purpose – including the purchase of a new vehicle, paying college tuition, or home improvements, just to name a few.

  • Fixed rate
  • A variety of terms are available
  • Interest may be tax deductible*

*Consult your tax advisor for further information.

Smiling Family Carrying Boxes Into New Home On Moving Day
Home Equity Lines of Credit

The Home Equity Line of Credit is an open line of credit that is based on the equity you have built up in your home.

  • Variable rate
  • Interest may be tax deductible*
  • Revolving line of credit
  • Can be accessed by online banking, in-person, telephone transfer, or check

*Consult your tax advisor for further information.

The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), which was created to enhance consumer protection, requires Mortgage Loan Originators to be registered with the Nationwide Mortgage Licensing System & Registry (NMLS), obtain a unique identifier, and maintain this registration.

Mortgage Loan Originators & NMLS Registry