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Mortgage Loans

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The Federal Housing Administration (FHA) offers both fixed and adjustable rate mortgages that accommodate a low down payment from the borrower. 


The Veteran’s Administration loan program enables veterans and active duty personnel to purchase or refinance a home with favorable loan terms. VA offers fixed and adjustable mortgages that can accommodate no down payment on many purchases. 


The USDA, Rural Development Guaranteed Rural Housing loans offer a no down payment, 30 year fixed mortgage with no mortgage insurance to eligible homes in a rural area for moderate income families. 


Whether you are looking to purchase or refinance a home, we offer a fixed rate mortgage loan that will fit your financial needs. With competitive rates and closing costs, call us today and have a mortgage loan officer discuss all your loan options. 

Adjustable Rates 

At First Federal Community Bank, we offer in-house adjustable rate mortgage loans with several ARMs available. Call us today and we will fit a loan to help you achieve your financial goals. 

Construction Loans 

First Federal Community Bank offers a construction to permanent loan for your convenience. While working closely with you and your contractor, the work is inspected at each draw giving you peace of mind with your new home build. 

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