Internet Explorer 11 is outdated. For improved security and optimized performance we highly recommend upgrading your browser. ChromeFirefoxEdge

Lending Rates

NMLS#458729

Effective January 25, 2023

Mortgage Loan

Existing Dwelling / Single-Family Owner-Occupied

Fixed Rate Purchase Terms
(in Years)

Down Payment EquityRateAnnual Percentage Rate
(APR)
5

20%

5.20% 5.404%
10 20% 5.20% 5.308%

15

20% 5.20% 5.284%
20 20% 5.60% 5.66%
25 20% 5.90% 5.96%
30 20% 5.90% 5.948%
  • Above APR's assume a $100,000 loan amount for the term stated.
    • Monthly payment example: 360 monthly payments of $5.93 per $1,000 borrowed at 5.948% 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)

RateAnnual Percentage Rate
(APR)
3

5.25%

5.334%
5 5.45% 5.498%

10

5.50% 5.536%
15 5.60% 5.624%
  • Above APR's assume a $100,000 loan amount for the term stated.
    • Monthly payment example: 180 monthly payments of $8.22 per $1,000 borrowed at 5.624% 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 

Interested in a Mortgage Loan? 

Visit our Mortgage Center to pre-qualify, apply, or learn more!

Get Started

Promo Include Calculators

Quicklinks Include

Go to Top