NMLS#458729
Effective since September 4, 2025
Mortgage Loan
Existing Dwelling / Single-Family Owner-Occupied
| Fixed Rate Purchase Terms (in Years) | Down Payment Equity | Rate | Annual Percentage Rate (APR) |
|---|---|---|---|
| 5 | 20% | 5.25% | 5.454% |
| 10 | 20% | 5.25% | 5.358% |
| 15 | 20% | 5.25% | 5.334% |
| 20 | 20% | 5.50% | 5.560% |
| 25 | 20% | 6.00% | 6.060% |
| 30 | 20% | 6.00% | 6.048% |
- Above APR’s assume a $100,000 loan amount for the term stated.
- Monthly payment example: 360 monthly payments of $5.99 per $1,000 borrowed at 6.048% APR.
- Outstanding mortgage lien balances will be used in calculations.
- Above payment example does not include payment for escrow account (taxes, insurance, etc.) that may be part of your transaction.
- Interest may be tax-deductible; please consult your tax advisor.
- Loan approval subject to First Federal’s Loan Underwriting Guidelines.
- If down payment is less than 20%, Private Mortgage Insurance will be required, which will increase the APR.
- Please contact your local branch office for details.
- All rates are subject to change without further notice.
Fixed Rate Closed-End Home Equity Loan
Existing Dwelling / Single-Family Owner-Occupied
| Fixed Rate Closed-End Home Equity Terms (in Years) | Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 3 | 5.25% | 5.334% |
| 5 | 5.45% | 5.498% |
| 10 | 5.60% | 5.636% |
| 15 | 5.75% | 5.774% |
- Above APR’s assume a $100,000 loan amount for the term stated.
- Monthly payment example: 180 monthly payments of $8.30 per $1,000 borrowed at 5.774% APR.
- Outstanding mortgage lien balances will be used in calculations.
- Interest may be tax-deductible; please consult your tax advisor.
- Loan approval subject to First Federal’s Loan Underwriting Guidelines.
- Please contact your local branch office for details.
- All rates are subject to change without further notice