The loan processor is key to a quick and seamless closing as Rachael coordinates
our efforts with the First Federal Bank underwriting team, making sure that there are no
surprises or delays in your mortgage closing with First Federal Bank.

Together, with Ryan Moeller, the manager of our processing team, we provide over
35 years of experience in the mortgage industry.  You can rest assured that the loan
process will exceed your expectations... making us mortgage partners for life.
Good to know since the average homeowner has between 7 and 9 mortgages
in their lifetime.

If you haven't done so already, check out our ratings at Lending Tree.  We are
rated 5 out of 5 Stars and 99% or our past customers would use us again or
recommend us to family and friends!
Rachael Pernes
Sr. Loan Processor
About Rachael
Purchase    |     Refinance   |     FAQ     |     Do's and Don'ts     |    Calculators    |     About Me     |     The Process     |    Submit Review     |     See Reviews
Thanks for allowing Bill and I to assist with
your mortgage planning.

Toll Free:  877-455-6577  Ext 6046
Direct:  678-679-6046
Fax:  678-680-5783

Email:
 Pernesr@ffbf.com

Awesome Teamwork!
First Federal Bank is an FDIC insured nationally chartered mutual savings bank approved lender.  NMLS# 408902.
We are an approved VA and FHA Lender. VA Lender: #6353290000 | FHA Lender: #7478000079
First Federal Bank, 2450 Atlanta Hwy Suite 1103 Cumming, GA  30040
Bill Brown
NMLS# 1460898
678-679-6057
Lending Tree