From the Desk of Sherry

5 Tips for Applying for a Mortgage

The process of buying a home can be daunting if you’re a first-time buyer, especially when it comes to acquiring a home loan. Proper preparation can be the key to…
Learn More – 5 Tips for Applying for a Mortgage

Down Payment Assistance Programs

For those at the low-to-moderate-income level, the most substantial barrier to homeownership are the closing costs and a down payment associated with obtaining a mortgage loan. Because of this, most…
Learn More – Down Payment Assistance Programs

Down Payment Strategies for First-Time Home Buyers

The idea of buying a first home is exciting. However, coming up with a sizable down payment can feel like an impossible task. That is especially true when many lenders…
Learn More – Down Payment Strategies for First-Time Home Buyers

What People Say About Sherry

“Sherry is the best! Smart, hardworking, professional and responsible! The best possible outcome carried out in the best possible manner is what I came to expect and was delivered by Sherry!”
Steven E.

Additional Resources

Types of Mortgage Loans

Explore our mortgage loan options to find the perfect fit for your home financing needs!

View Loan Types 

Ultimate Homebuying Guide

Download our step-by-step guide on the homebuying process. From making an offer to closing, this guide gives you the information you need to feel comfortable throughout the process. 

Download Now 

Home Ownership Resources

Discover additional resources and guidance on home ownership.

Learn More 

    From the Desk of Christopher

    15-Year vs 30-Year Mortgages

    What makes more sense financially for you, a 15-year fixed-rate mortgage or a 30-year fixed-rate mortgage? Both loan types come with their positives and negatives. So how do you determine…
    Learn More – 15-Year vs 30-Year Mortgages

    5 Tips for Applying for a Mortgage

    The process of buying a home can be daunting if you’re a first-time buyer, especially when it comes to acquiring a home loan. Proper preparation can be the key to…
    Learn More – 5 Tips for Applying for a Mortgage

    Buying a Home with a Friend

    Buying a home can be a wise financial decision because it allows you to make an investment rather than spending money on rent each month and getting nothing to keep…
    Learn More – Buying a Home with a Friend

    What People Say About Christopher

    “Chris Johnson went above and beyond to assist us during the construction loan process. We were very pleased with the promptness of his communication. Overall, the experience was great and we would definitely recommend First Federal Lending to anyone looking to build a new home.”
    Travis & Michelle E.

    Additional Resources

    Types of Mortgage Loans

    Explore our mortgage loan options to find the perfect fit for your home financing needs!

    View Loan Types 

    Ultimate Homebuying Guide

    Download our step-by-step guide on the homebuying process. From making an offer to closing, this guide gives you the information you need to feel comfortable throughout the process. 

    Download Now 

    Home Ownership Resources

    Discover additional resources and guidance on home ownership.

    Learn More 

      From the Desk of Sharon

      15-Year vs 30-Year Mortgages

      What makes more sense financially for you, a 15-year fixed-rate mortgage or a 30-year fixed-rate mortgage? Both loan types come with their positives and negatives. So how do you determine…
      Learn More – 15-Year vs 30-Year Mortgages

      About Private Mortgage Insurance

      If you are in the market to buy a new home and have less than a 20 percent down payment, you are usually required to buy private mortgage insurance. Overview…
      Learn More – About Private Mortgage Insurance

      Down Payment Strategies for First-Time Home Buyers

      The idea of buying a first home is exciting. However, coming up with a sizable down payment can feel like an impossible task. That is especially true when many lenders…
      Learn More – Down Payment Strategies for First-Time Home Buyers

      Additional Resources

      Types of Mortgage Loans

      Explore our mortgage loan options to find the perfect fit for your home financing needs!

      View Loan Types 

      Ultimate Homebuying Guide

      Download our step-by-step guide on the homebuying process. From making an offer to closing, this guide gives you the information you need to feel comfortable throughout the process. 

      Download Now 

      Home Ownership Resources

      Discover additional resources and guidance on home ownership.

      Learn More 

        From the Desk of Brent

        Additional Financial Home Buying Obligations

        You have found your dream home in the perfect neighborhood for you and your family. You have even determined that you will be able to afford the monthly mortgage payments…
        Learn More – Additional Financial Home Buying Obligations

        Building a Home Buying Team

        Buying a home can be complex. Since it’s probably one of the most significant purchases you will make in your lifetime, it’s a good idea to assemble a team to…
        Learn More – Building a Home Buying Team

        Buying a Home from a Family Member

        When you have a parent, sibling, or another family member who is planning to move, you may be able to be first in line to buy their home. Plus, they…
        Learn More – Buying a Home from a Family Member

        Buying vs Renting a Home

        Does it make more sense to rent than to buy? That has been a long-running debate in this country. However, the question is flawed: There is no correct answer. There…
        Learn More – Buying vs Renting a Home
        “Brent and his team provided an exceptional customer experience. This is our second time working with his team at First Federal Lakewood and will choose them again in the future. Brent is a true financial adviser and always has our best interest in mind.”
        Cindy and Rachel M
        “Brent was incredibly helpful to us at every step of the way. From conversing with us to set our budget, to preparing a letter of pre-approval, to navigating the realities of a competitive market, he went over and above. This experience was everything we had hoped for in working with First Federal Lakewood.”
        – Chris M.
        “Brent was available, transparent, and very informative. He was able to explain things in bite sized pieces and keep things moving to help us reach our closing on time.”
        – Colin H.
        “Closing went very smooth and was on time. My realtor was highly impressed and indicated it was one of the smoothest closings he has had. Would highly recommend Brent and his team. They were a pleasure to work with and answered all of my questions in a timely manner.”
        – Kurtis R.
        “Brent was fantastic. He answered every question fully and completely without delay while guiding us first time home buyers through a home buying process that ended up becoming overly complicated by other parties. Brent was a major asset to our home purchase and we would recommend him to anyone looking to mortgage a home purchase.”
        – John
        “As first-time homebuyers, we had an excellent experience with Brent. He was knowledgeable, responsive, and always available to accommodate our busy schedules, which helped us have a smooth buying experience in this competitive housing market. We appreciated his proactive updates and coordination with all parties involved in the buying process. He was one of the reasons why we decided not to go with another bank. We highly recommend Brent for your mortgage needs.”
        – Ryan and Sisi
        “Brent Bartlett was excellent. He went above and beyond to deliver top tier service and assistance. As first time home buyers, we were skeptical of the mortgage process and frankly distrusting; however, Brent’s constant willingness to break everything down, answer all questions, and create an environment of transparency was majorly beneficial and made our home buying/ mortgage process tremendously mote straightforward and manageable. We would not only highly recommend FFL, we would recommend Brent to anyone we know who is in the process of searching for a mortgage.”
        – John R.
        “We worked with Brent Bartlett to secure our mortgage and we are indeed very pleased with the whole process. Brent made every step of the process simple and streamlined. He was available within minutes to answer our emails and phone calls. The whole process was quite fast from start to finish, much faster than our previous experience with other lenders. Do call Brent with all your financial needs, you won’t be disappointed!”
        – R. B.

        Additional Resources

        Types of Mortgage Loans

        Explore our mortgage loan options to find the perfect fit for your home financing needs!

        View Loan Types 

        Ultimate Homebuying Guide

        Download our step-by-step guide on the homebuying process. From making an offer to closing, this guide gives you the information you need to feel comfortable throughout the process. 

        Download Now 

        Home Ownership Resources

        Discover additional resources and guidance on home ownership.

        Learn More 

          From the Desk of Beth

          5 Keys to Borrowing to Build Your Dream Home

          When it comes to building your home, the right financing is the real foundation that everything else will be built upon. First Federal Lakewood can help you with this all-important…
          Learn More – 5 Keys to Borrowing to Build Your Dream Home

          FHA Mortgage Basics

          FHA mortgages are a popular option for first-time home buyers to consider. These loans offer attractive terms, including the ability to make smaller down payments and a some flexibility when…
          Learn More – FHA Mortgage Basics

          Finding a Mortgage

          Ready to test your knowledge? You’ll have ten multiple choice questions to answer. Click on each question to reveal the question and multiple choice answers. After you’ve completed answering all…
          Learn More – Finding a Mortgage

          What People Say About Beth

          “First Federal Lakewood is a great bank, I’m a very happy customer. More importantly, Beth Ann Silverman is a joy and pleasure to work with. I am not shy about referring her to my friends and co-workers. She is excellent.“
          Matthew M.

          Additional Resources

          Types of Mortgage Loans

          Explore our mortgage loan options to find the perfect fit for your home financing needs!

          View Loan Types 

          Ultimate Homebuying Guide

          Download our step-by-step guide on the homebuying process. From making an offer to closing, this guide gives you the information you need to feel comfortable throughout the process. 

          Download Now 

          Home Ownership Resources

          Discover additional resources and guidance on home ownership.

          Learn More 

            From the Desk of Caroline Purcell

            5 Tips for Applying for a Mortgage

            The process of buying a home can be daunting if you’re a first-time buyer, especially when it comes to acquiring a home loan. Proper preparation can be the key to…
            Learn More – 5 Tips for Applying for a Mortgage

            Buying a Home with a Friend

            Buying a home can be a wise financial decision because it allows you to make an investment rather than spending money on rent each month and getting nothing to keep…
            Learn More – Buying a Home with a Friend

            Buying a Vacation Home

            It is something many families dream of: Owning a small cottage by the lake, a cabin in the mountains, or a beach bungalow they can visit on long weekends, during…
            Learn More – Buying a Vacation Home

            What People Say About Caroline

            “Caroline was absolutely wonderful to work with during the refinancing process.  I went with First Federal Lakewood because of how easy she made everything. She did not pressure me and she was honest and open with me about my refinancing options.”
            Alana J.

            “I am so impressed and pleased with my experience with First Federal Lakewood. Caroline is considerate, prompt in her responses, was able to assist each step of the way, and was thoughtful in helping me achieve my goals. Excellent experience, everyone! Thank you!”

            Louise Q.

            Additional Resources

            Types of Mortgage Loans

            Explore our mortgage loan options to find the perfect fit for your home financing needs!

            View Loan Types 

            Ultimate Homebuying Guide

            Download our step-by-step guide on the homebuying process. From making an offer to closing, this guide gives you the information you need to feel comfortable throughout the process. 

            Download Now 

            Home Ownership Resources

            Discover additional resources and guidance on home ownership.

            Learn More 

              From the Desk of Alex

              Buying Down an Interest Rate with Points

              As a savvy consumer, you should always be looking for ways to shave some money from your monthly budget. Even small adjustments can add up to significant savings over the…
              Learn More – Buying Down an Interest Rate with Points

              Buying vs Renting a Home

              Does it make more sense to rent than to buy? That has been a long-running debate in this country. However, the question is flawed: There is no correct answer. There…
              Learn More – Buying vs Renting a Home

              Calculate a Mortgage Payment

              Repayment of a mortgage loan requires that the borrower make a monthly payment back to the lender. That monthly payment includes both repayment of the loan principal, plus monthly interest…
              Learn More – Calculate a Mortgage Payment

              What People Say About Alex

              “Alex Dickos and Elisabeth Lang were a great team to work with! Thank you for all of your help.”
              Kimberly R.

              Additional Resources

              Types of Mortgage Loans

              Explore our mortgage loan options to find the perfect fit for your home financing needs!

              View Loan Types 

              Ultimate Homebuying Guide

              Download our step-by-step guide on the homebuying process. From making an offer to closing, this guide gives you the information you need to feel comfortable throughout the process. 

              Download Now 

              Home Ownership Resources

              Discover additional resources and guidance on home ownership.

              Learn More 

                From the Desk of Jack

                A Financial “To-Do List” When You Move

                Moving is one of life’s most stressful events. What with organizing your belongings and packing them up, as well as sorting out the general moving logistics, it is no wonder…
                Learn More – A Financial “To-Do List” When You Move

                About Private Mortgage Insurance

                If you are in the market to buy a new home and have less than a 20 percent down payment, you are usually required to buy private mortgage insurance. Overview…
                Learn More – About Private Mortgage Insurance

                Additional Financial Home Buying Obligations

                You have found your dream home in the perfect neighborhood for you and your family. You have even determined that you will be able to afford the monthly mortgage payments…
                Learn More – Additional Financial Home Buying Obligations

                Additional Resources

                Types of Mortgage Loans

                Explore our mortgage loan options to find the perfect fit for your home financing needs!

                View Loan Types 

                Ultimate Homebuying Guide

                Download our step-by-step guide on the homebuying process. From making an offer to closing, this guide gives you the information you need to feel comfortable throughout the process. 

                Download Now 

                Home Ownership Resources

                Discover additional resources and guidance on home ownership.

                Learn More 

                  From the Desk of Brent

                  5 Keys to Borrowing to Build Your Dream Home

                  When it comes to building your home, the right financing is the real foundation that everything else will be built upon. First Federal Lakewood can help you with this all-important…
                  Learn More – 5 Keys to Borrowing to Build Your Dream Home

                  Being Pre-Qualified vs. Being Pre-Approved

                  Pre-qualified and pre-approved are some of the most common terms you may encounter when applying for a mortgage. Unfortunately, most people often use these two phrases interchangeably, not knowing they…
                  Learn More – Being Pre-Qualified vs. Being Pre-Approved

                  Building a Home Buying Team

                  Buying a home can be complex. Since it’s probably one of the most significant purchases you will make in your lifetime, it’s a good idea to assemble a team to…
                  Learn More – Building a Home Buying Team

                  What People Say About Brent

                  “Brent and his team provided an exceptional customer experience. This is our second time working with his team at First Federal Lakewood and will choose them again in the future. Brent is a true financial adviser and always has our best interest in mind.”
                  Cindy and Rachel M
                  “Brent was great to work with. He made it very easy and I appreciate it!”
                  Matthew B.

                  Additional Resources

                  Types of Mortgage Loans

                  Explore our mortgage loan options to find the perfect fit for your home financing needs!

                  View Loan Types 

                  Ultimate Homebuying Guide

                  Download our step-by-step guide on the homebuying process. From making an offer to closing, this guide gives you the information you need to feel comfortable throughout the process. 

                  Download Now 

                  Home Ownership Resources

                  Discover additional resources and guidance on home ownership.

                  Learn More 

                    From the Desk of Don

                    5 Tips for Applying for a Mortgage

                    The process of buying a home can be daunting if you’re a first-time buyer, especially when it comes to acquiring a home loan. Proper preparation can be the key to…
                    Learn More – 5 Tips for Applying for a Mortgage

                    About Private Mortgage Insurance

                    If you are in the market to buy a new home and have less than a 20 percent down payment, you are usually required to buy private mortgage insurance. Overview…
                    Learn More – About Private Mortgage Insurance

                    Add to Your Monthly Payment and Save Money

                    On any loan, your monthly payment is divided between two purposes. First, part of the payment is used to cover the interest that has accrued on your balance since you…
                    Learn More – Add to Your Monthly Payment and Save Money

                    Adjustable Rate Mortgage Analyzer

                    Adjustable rate mortgages typically offer home buyers the advantage of having a lower mortgage payment during the initial period of the mortgage. Adjustable rate mortgages are typically offered on a…
                    Learn More – Adjustable Rate Mortgage Analyzer

                    What People Say About Don

                    “My wife and I are first time home buyers and First Federal Lakewood has made this purchase a very easy transaction.”
                    Andrew & Katherine E.

                    Additional Resources

                    Types of Mortgage Loans

                    Explore our mortgage loan options to find the perfect fit for your home financing needs!

                    View Loan Types 

                    Ultimate Homebuying Guide

                    Download our step-by-step guide on the homebuying process. From making an offer to closing, this guide gives you the information you need to feel comfortable throughout the process. 

                    Download Now 

                    Home Ownership Resources

                    Discover additional resources and guidance on home ownership.

                    Learn More 

                      From the Desk of Lisa

                      Calculate a Mortgage Payment

                      Repayment of a mortgage loan requires that the borrower make a monthly payment back to the lender. That monthly payment includes both repayment of the loan principal, plus monthly interest…
                      Learn More – Calculate a Mortgage Payment

                      15-Year vs 30-Year Mortgages

                      What makes more sense financially for you, a 15-year fixed-rate mortgage or a 30-year fixed-rate mortgage? Both loan types come with their positives and negatives. So how do you determine…
                      Learn More – 15-Year vs 30-Year Mortgages

                      5 Keys to Borrowing to Build Your Dream Home

                      When it comes to building your home, the right financing is the real foundation that everything else will be built upon. First Federal Lakewood can help you with this all-important…
                      Learn More – 5 Keys to Borrowing to Build Your Dream Home

                      Additional Resources

                      Types of Mortgage Loans

                      Explore our mortgage loan options to find the perfect fit for your home financing needs!

                      View Loan Types 

                      Ultimate Homebuying Guide

                      Download our step-by-step guide on the homebuying process. From making an offer to closing, this guide gives you the information you need to feel comfortable throughout the process. 

                      Download Now 

                      Home Ownership Resources

                      Discover additional resources and guidance on home ownership.

                      Learn More