Michiana Business Directory

With over 12 years of Mortgage Lending experience, I am committed to helping my clients through every step of the process. From our free Preapprovals to the closing on your loan I will be right there with you. Our online application process makes it easy to apply at any time and you will always receive notifications along the way. First Federal will never sell the servicing on your loan, which means your payments stay local, right here at First Federal Savings Bank. Your questions regarding payments, escrow accounts, loan information, etc. will always be handled by myself or one of our friendly and professional First Federal Savings Bank family members. We have a loan product to fit every need including, buying, building, and refinancing your home. Our First Time Homebuyers program even pays the standard Closing Costs for you!!

When not helping clients with their home financing needs, I enjoy spending time with my wife Lisa, of 15 years and my three children. We love to travel and explore new places we haven’t been and revisiting ones we have enjoyed. I’m passionate about and enjoy attending, watching, and debating Notre Dame, the Chicago Cubs, and the Chicago Bears. I am a lifelong resident and stay active in the Michiana Community. My family are Parishioners at Queen of Peace Catholic Church in Mishawaka. I am a 2003 graduate of Indiana Wesleyan University with a degrees in Finance and Business Administration.

I look forward to showing you the difference, professional & family values, can make when buying, building, or refinancing your home.

First Time Homebuyers

It couldn’t be any easier for first time buyers with free pre-qualifications and low closing costs. We have special programs for first time buyers with competitive rates, fast processing time and low down payments. We are now offering a Premiere First Time Homebuyer Loan Program for qualified borrowers of no PMI mortgage insurance, even with 5% down.

• First Time Homebuyers Program - Standard closing costs paid for by First Federal Savings Bank.
• Premier First Time Homebuyer program requires no PMI!

Borrower's checklist for purchases

Actually, no documents are required from you at the time of application. But to speed up the loan processing time, you can prepare for the application appointment by providing the following information:

• Signed purchase agreement
• Driver's license or state photo ID
• 2 recent pay stubs
• Phone number for Human Resources Dept. to verify employment.
• 2 months bank statements for checking and savings account
• 2 most recent years of W2s (if self employed, commissioned or part owner of a corporation or business will need complete federal tax returns, and corporate tax returns)
• Recent 401K or retirement accounts
• Pre-approvals are free, but for a purchase or refinance we will need a check for $400 for the application fee

Borrower's checklist for refinances

If you are refinancing, along with everything from the purchase list above, you will also need the following items:

• Previous titlework
• Homeowner's insurance statement
• Complete loan number/information of loan(s) to be paid off

Construction made easy!

Come see us for your New Home Construction, First Federal makes it easy for you and your builder with a one-time closing and a simple construction draw process. We offer both adjustable and fixed loan rates!

"Borrowers must meet underwriting guidelines."