Personal Loans

Whether you are buying or building your first or third home, want to finance that home project you have always planned on doing, consolidating debt, or need access to extra funds for other major expenses, 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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What Type of Loan is Right for You?

Whether you're embarking on your first home purchase or deepening your investment portfolio, First Federal is a portfolio lender and will be with you every step. 

Home Equity Line of Credit

Get ongoing access to funds for home improvement projects, debt consolidation, education, and other major life expenses.

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Home Equity Loan

Tap into the equity of your home to obtain funds for a home renovation, debt consolidation, or other major expenses.

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First-Time Home Buyer Loan

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.

Should I Rent or Buy Calculator

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Construction Loan

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's unique All-In-One Construction Loan rolls 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. Let's lay the foundation for your future together.

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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.

Lending Team

Lot & 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..

Lending Team

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

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Mortgage Lending

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.

  • Mortgage loans of 15, 20, and 30 year terms and up to 97% financing
  • Refinance Loans
  • Construction Loans
  • Jumbo home loans
  • Lot and Land Loans

Learn More about Mortgage Lending


Auto Loans

Time for a new vehicle, motorcycle, ATV? Get what you need (or want) with a First Federal Auto Loan.

How Much Car Can I Afford Calculator

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Credit Sense

Staying on top of your credit score doesn't have to be a struggle. Credit Sense allows you to check your credit score at any time, right from your phone or computer!

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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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