Mortgage Services
on Your Terms

Your Home. Your Timeline. Your Way.

Get the flexibility and support you need — whether you're buying, refinancing, or exploring options. Our mortgage solutions are designed to fit your schedule, your goals, and your lifestyle, with guidance available when you need it. Let’s make homeownership work on your terms.

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Mortgage Services

First Federal Bank provides a robust mortgage technology platform that allows brokers and third-party originators to originate residential loans without the overhead of maintaining your own system. Our solution eliminates the need to invest in costly loan origination software, helping you save time and resources. You can generate disclosures, pull credit reports, and access automated underwriting tools like Loan Prospector and Desktop Underwriter—or rely on our team to manage those steps for you.

Whether you're originating loans to hold in your portfolio or planning to sell them to investors, First Federal Bank offers the flexibility you need. We support loan origination for Fannie Mae, Freddie Mac, FHA, and VA programs in all 50 states. Financial institutions partner with us to streamline their mortgage operations, whether they retain servicing or sell into the secondary market.

 

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Comprehensive Loan Origination Solutions

Dedicated Loan Coordinator
One point of contact, one number, one email—everything you need for seamless mortgage lending.

Compliance Oversight
Covers doc prep, disclosures, and full loan review from origination to post-closing for compliance.

Technology Use
Gain access to our Loan Origination System (LOS) and mortgage Point of Sale (POS) technology—no upfront investment required.

Turnkey Mortgage Solutions

We manage every step of the mortgage process, removing the burden of variable overhead and compliance expenses.

Greater Production and Revenue

Expanding your mortgage offerings can lead to greater business growth and higher revenue.

Concierge Desk
Providing direct, personalized support for servicing questions from your borrowers and team.
Borrower Retention

A full suite of mortgage products helps establish your role as the borrower's primary financial partner.

Excellent Borrower Experience

Institutions can apply for loans, track status updates, and upload documents—all from their phones through the borrower portal.

Quick Underwriting and TBD Approvals

We deliver fast turn times backed by accuracy, compliance, and expertise—even before buyers select a property.

Borrower Convenience

Features like e-signatures, initial disclosures, and e-closing streamline and accelerate mortgage fulfillment.

Borrower Protection

We protect your borrower relationships—never selling their information or cross-selling to them.

Low Barrier to Entry

Originate loans without the cost of your own system—our platform streamlines the process and saves valuable time.

Need help?

At First Federal Bank, we are committed to building communities and ensuring access to credit for all borrowers. These products are just one way we fulfill this commitment and help borrowers achieve homeownership.

Don't let the down payment stand in the way of your homeownership dreams. Take advantage of our exclusive assistance solutions and let us help you make buying a home a reality. Contact us today to get started!

If you need help or would like to discuss your options, fill out the form below and one of our loan officers will be happy to help.

Experienced loan officers to help guide you through the loan process.

Find your perfect mortgage loan officer today.

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1The applicant's income must be 80% or less of the county Area Median Income (AMI) for the subject property.

2The Buyers First Down Payment assistance provides $5,000 to cover up to 100% of down payment and closing costs. Availability and eligibility are subject to county-specific programs and guidelines.

3Up to 100% financing is based on the lower of the purchase price or appraised value.

4Primary residence – The property you purchase must be your primary residence, located in a Majority Minority Census Tract (MMCT) with approved Florida Counties: Clay, Duval, and Marion.

5Your loan originator will assist you on how to complete this requirement.

Availability and eligibility are subject to county-specific programs and guidelines. Terms and conditions apply./p>

© First Federal Bank is an FDIC insured nationally chartered mutual savings bank approved lender. Restrictions may apply. This offer is subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an obligation to lend. Loans are subject to credit and property approval. Trade/Service marks are the property of First Federal Bank.

First Federal Bank: Residential Lending Mortgage NMLS: 408902

Equal Housing Lender