Ben Daulton Mortgage Loan Originator NMLS# 399946 Rochester Direct: 574-223-1757 Office: 800-422-3372 Fax: 574-223-1784 Apply with Ben About Ben Greetings! With the recent spike in home values, you likely have unused equity that you could tap into with a First Federal home equity loan or fixed rate second mortgage. Whether you need to combine debt or finish your basement, give me a call or apply online today! Experience: A 1994 Purdue University graduate, I have been a mortgage loan originator at First Federal Savings Bank for the past 28 years. Convenience and Availability: I can take your application and close your loan at a time and location that is convenient for you. We won't sell your loan servicing: First Federal does not sell loan servicing. Your payments are handled locally. First Time Home Buyers It couldn’t be any easier for first time buyers with free pre-qualifications and low closing costs. We have special programs for first time buyers with competitive rates, fast processing time and low down payments. We are now offering a Premiere First Time Homebuyer Loan Program for qualified borrowers of no PMI mortgage insurance, even with 5% down. First Time Homebuyers Program - Standard closing costs paid for by First Federal Savings Bank. Premier First Time Homebuyer program requires no PMI! Borrower's checklist for purchases Actually, no documents are required from you at the time of application. But to speed up the loan processing time, you can prepare for the application appointment by providing the following information: Signed purchase agreement Driver's license or state photo ID 2 recent pay stubs Phone number for Human Resources Dept. to verify employment. 2 months bank statements for checking and savings account 2 most recent years of W2s (if self employed, commissioned or part owner of a corporation or business will need complete federal tax returns, and corporate tax returns) Recent 401K or retirement accounts Pre-approvals are free, but for a purchase or refinance we will need a check for $400 for the application fee Borrower's checklist for refinances If you are refinancing, along with everything from the purchase list above, you will also need the following items: Previous titlework Homeowner's insurance statement Complete loan number/information of loan(s) to be paid off Construction made easy Come see us for your New Home Construction, First Federal makes it easy for you and your builder with a one-time closing and a simple construction draw process. We offer both adjustable and fixed loan rates! "Borrowers must meet underwriting guidelines."