Welcome toÂ
First Federal Community BankÂ
Your Trusted Mortgage Partner
At First Federal Community Bank, headquartered in Bucyrus, Ohio, we take pride in serving our community since 1887. Our deep-rooted history in the financial sector and unwavering commitment to customer service make us the ideal partner for your mortgage needs.
WHY CHOOSE FFCB AS YOUR TRUSTED MORTGAGE ADVISOR?
COMPETITIVE INTEREST RATES AND FLEXIBLE LOAN TERMS
At FFCB, we combine the advantages of being a trusted local community bank with the flexibility of a correspondent lender. This means that not only do we offer competitive interest rates and flexible loan terms with our own in-house products, but we also have access to a wide range of pricing and options at dozens of national lenders. By acting as a correspondent lender, we can shop around on your behalf to find the best rates and mortgage products available, giving you an all-around choice for the most competitive pricing and tailored loan options. Whether you need a more conventional loan or something more specialized, FFCB ensures that you get the best of both worlds-local expertise with a national reach.
VARIETY OF MORTGAGE PRODUCTS
TO FIT YOUR NEEDS
FFCB is proud to offer a wide variety of mortgage products designed to meet the diverse needs of our clients. As a local lender, we provide specialized products that suit the unique demands of our community, but our reach extends far beyond. As a correspondent lender, we have access to a network of national lenders, giving you more options than most traditional banks. From FHA, VA, USDA loans to more conventional financing and jumbo loans, we work with you to find the best product that best suits your financial situation and homeownership goals. No matter your need - whether its a low down payment, refinancing, or purchasing your dream home - FFCB has a solution tailored for you.
PERSONALIZED CUSTOMER SERVICE
AND RESPONSIVENESS
At FFCB, our commitment to personalized customer service sets us apart. As a local community bank, we understand the value of building long lasting relationships with our clients. Whether you're purchasing your first home or refinancing an existing mortgage, our team is dedicated to providing clear, responsive communication throughout the entire process. We offer one-on-one consultations to ensure you fully understand your loan options and feel confident in your decisions. Beyond the initial stages, our loan officers are always just a call, e-mail, or in-person meeting away, providing guidance from application to closing and beyond. At FFCB, we believe in going the extra mile to offer a mortgage experience that's as stress-free and transparent as possible.
LOW FEES AND
TRANSPARENT CLOSING COSTS
At FFCB, we are committed to providing transparent, competitive pricing with no hidden fees or surprise costs. We understand that closing costs can be a burden for homebuyers, which is why we focus on keeping them as low as possible while ensuring you are fully aware of what each fee entails. Our loan estimates are straightforward, and we walk you through every detail, from appraisal fees to title insurance, so that there are no last-minute surprises. Our local knowledge combines with access to national rates allows us to secure competitive closing cost options, helping you save money and making the mortgage process smooth and stress-free.
Areas of Expertise
Pre-Approval
Whether this is your first, second, or last time buying a home your knowledge when negotiating a home purchase can determine if your offer will be accepted. Whether a primary residence, vacation home, or investment property — contact us for your custom Pre-Approval so that you can shop with confidence.
Investment / Rental Home
Whether you are looking for financing on a short-term rental, long-term rental, or even fix-n-flip financing for your next property flip, First Federal Community Bank has you covered! Options include our newest suite of options, DSCR! Not sure if you qualify to own a rental property based on your income? With DSCR financing we qualify you on the rental income the property generates, not your personal income. Buying a rental property may be closer than you think!
Home Equity / HELOC
Looking for the best way to tap into your home's equity? We have options to help suit your needs. Options range from variable interest rate lines of credit to fixed rate second mortgages. Call us today to discuss the ins/outs of each option.
Down Payment Assistance
Having enough savings to purchase a home is a frequent concern for homebuyers. With down payment assistance options, we can help you purchase your new home with little to nothing out of pocket. Ask us how we can help you with your financial goals.
New Construction
Whether you own your own land or you are buying new land, I have a loan option for you that will get you on the fast track to building your dream home. I have years of experience in construction lending, working with builders and all different types of builds. So, if your dream is a secluded Log Home, a gorgeous Farmhouse, or a new build in a convenient subdivision, I can help make this dream come true.
Vacation Home
Ready to set your destination for vacation? Let us help you finance your vacation home today! With First Federal Community bank lending in all fifty states, we can surely help you finance your getaway destination!
Bridge Loan
Whether you’re buying or building a new home, financing can be tricky when you currently own a home. Our Bridge Loan is the solution to removing stress and complications. This loan is specifically designed to help you move into your next loan before you sell your home.
Commercial
A need for commercial lending can come in many forms. Business line of credits for operating and opportunity. Purchasing your own store front to operate out of. Investment opportunities to strengthen your portfolio. The need for commercial financing can be endless, if this is an area you need to explore, let's talk today.
Portfolio Lending
There are times when creativity is the only path to financing. One of the best advantages you have when working with First Federal is having access to Portfolio Lending. Are you having a hard time finding a loan that fits your profile and needs? With Portfolio Lending we can craft the solution and make the underwriting decision in-house.