Mortgage Loans

Whether you are buying or building your first or third home we have a loan solution that’s perfect for you.

Real people, real service, in real time.

At First Federal we have a variety of loan options, the expertise, and exceptional services available to help you meet the short-term or long-term financial goals you’re planning to achieve. Our team of lenders is never asked to meet sales goals, which means we won't try to talk you into something you don't need. We're here to listen and make recommendations based on a personalized experience.

Start the journey today by getting pre-qualified with our online application!

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Purchase Loan

Helping our neighbors put down roots is the reason we were established in 1922. We’ve spent 10 decades building relationship, experience, and our commitment to the members of our community.

Today, we offer 15, 20, and 30 year terms and up to 97% financing. Our experienced, knowledgeable team is fully committed to helping bring your home ownership dreams to reality. We’re here to listen and make recommendations based on a personalized experience to give you the genuine support you need.

Start the journey today by getting pre-qualified with our online application!

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First-Time Home Buyer Program

Owning a home is a dream for many. This special program eliminates the barriers to home ownership for potential borrowers with earnings at 90% or less of the median income levels in Yamhill County.

This program carries with it several criteria, including eligibility requirements, credit score minimums, cash equity investments and certain income levels for buyers. The property to be purchased must meet its own set of rules, plus there are loan stipulations to take into consideration. Connect with a loan officer to see if the First-Time Home Buyer Program is right for you.

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Other types of Mortgage Loans

Refinance Loan

Pay off your mortgage sooner and lower the amount of interest you’ll pay over the life of your loan.

Should I Refinance Calculator

Construction Loan

Let us help build your dream home. As fellow community members, our history has helped lay the groundwork for your future. Over time, we’ve built trust with local builders and expertise to specialize in home construction loans.

First Federal is unique to roll construction costs and permanent financing into one convenient package which closes up-front on permanent financing, holds your interest rate at application, accepts interest only payments as funds, and has no pre-payment penalties.

Jumbo Home Loan

Identifying the type of loan that best suits your need is one of the most important aspects of home shopping. A loan is considered jumbo if the amount of the mortgage exceeds the conforming thresholds set by Fannie Mae and Freddie Mac. Connect with a loan officer to see if a jumbo loan is right for you.

Lot and Land Loan

A rural dream home starts with the perfect piece of land to build it on. Apply online or connect with a loan officer at a local branch.


Contact us if you have any questions about our loan programs or general rates, or stop by any First Federal location to get started with your loan today. You can also apply for a loan online.

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