NMLS#458729
Effective since September 21, 2026
Mortgage Loan
Existing Dwelling / Single-Family Owner-Occupied
| Fixed Rate Purchase Terms (in Years) | Down Payment Equity | Rate | Annual Percentage Rate (APR) |
|---|---|---|---|
| 5 | 20% | 6.00% | 6.204% |
| 10 | 20% | 6.00% | 6.108% |
| 15 | 20% | 6.00% | 6.084% |
| 20 | 20% | 6.40% | 6.472% |
| 25 | 20% | 6.75% | 6.810% |
| 30 | 20% | 6.75% | 6.798% |
- Above APR’s assume a $100,000 loan amount for the term stated.
- Monthly payment example: 360 monthly payments of $6.48 per $1,000 borrowed at 6.798% 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.
- Please inquire with a loan officer for rates and term for Jumbo loans of $500,000 or higher
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 | 6.25% | 6.334% |
| 5 | 6.45% | 6.498% |
| 10 | 6.60% | 6.636% |
| 15 | 6.75% | 6.774% |
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- Above APR’s assume a $100,000 loan amount for the term stated.
- Monthly payment example: 180 monthly payments of $8.84 per $1,000 borrowed at 6.774% 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
- Above APR’s assume a $100,000 loan amount for the term stated.