Sam Faulstich Mortgage Loan Originator NMLS# 1943402 Mishawaka Direct: 574-224-6640 Cell: 574-952-4487 Toll Free: 800-796-1711 Fax: 574-257-1811 Apply with Sam About Sam My number one priority is to provide the best service possible to my customers. Whether you are buying your first home, a new home, looking to refinance your current mortgage, or taking advantage of the equity you have established in your current home, First Federal Savings Bank has a program to fit your needs. Home financing can be an overwhelming process, I strive to make the mortgage process as smooth as possible and will walk you through the process step by step. To start the process to get your free pre-approval, please use “Apply with Sam” button. 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."