Purchase Loans at First Federal Bank

1.  Conventional Loans
If you have good credit and at least a 3% down payment than a conventional
mortgage may be best for you.  As a nationwide lender we have access to great
rates and a variety of programs.
Don't want monthly private mortgage insurance (PMI)?
I can eliminate it with less than a 20% down payment!

Haven't Owned a Home in 3 or More Years?
You may qualify for one of our first time home buyer programs.  Call or
apply today and find out how much this program can save you on rate, down
payment and private mortgage insurance!

2.  FHA Loans
If your credit is not perfect but over 580, or if you are a little short on down
payment funds, then an FHA Loan may be right for you.  Down payment
of 3.5% is required but all of it may be a gift from a relative.

Not Comfortable with 3.5% Down?
You may qualify for a gift you don't have to pay back reducing your down
payment to 1.5%. Call or apply today and find out if this program is
right for you.

3.  USDA Loans
If your income does not exceed the requirements and your property is located
in a designated rural area, a USDA Loan may be right for you.
No down payment required.

4.  VA Loans
Are you a veteran or active military?  Then a VA Loan may be best for you.
Available for veterans with less than perfect credit and no down
payment required.
Additionally, no mortgage insurance required so this
is likely to lower your payment when compared to other loan options.
Thank you for serving our country.  Let us now serve you with great rates on
your VA Loan.

5.  Jumbo Loans
Do you need a loan in an amount greater than $647,200?  Perhaps you'll
qualify for a Jumbo Loan at 90% loan to value with no private mortgage
insurance or perhaps you want to buy in an area with a higher conventional
loan limit. Give me a call and I'll help you determine which loan best suits
your needs.

Get pre-approved... not pre-qualified.  Have an advantage over
others making an offer on the same home.  Close in as little
as 10 days!  Call me and I'll tell you how.

Office: 678-679-6057   Cell:  803-542-3863

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Purchase Loans
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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
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