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Mortgage Lending

First Federal is a local, community focused organization. That makes us different. We’re in this together, and helping our neighbors all around the Peninsula own homes is part of the reason we exist. How can we help? How can we make the experience better, faster, more convenient? We’re local; all the decision makers are right here on the Peninsula, and we understand your needs. You have a lot of home lending options at First Federal, and we’ll explore them with you—then put together the combination of terms and rate that fits you best.

Buying, refinancing or building  a home may be one of the most important financial decisions you make, whether you’re thinking of your first home, your dream home or a family vacation home. There are a lot of factors to think about, but you won’t have to do it alone. We can help you decide if a fixed or variable rate is better for you, whether a conventional mortgage or some of the alternative home loan options will work best.

Conventional Financing • VA • USDA • Jumbo • Manufactured • Land • Unique Properties • Construction • NEW Home Possible Advantage

For more information call our Customer Contact Center at 360.417.3204 or 800.800.1577 and ask for a Mortgage Loan Officer.

Apply Online for a First Federal Home Loan!

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View our Mortgage Rates

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Verification of Mortgage

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Conventional Fixed Rate Mortgages

Our long term, fixed rate mortgage is the traditional way to finance a home. The interest rate stays the same for the entire term of the mortgage, so your monthly principal and interest payment is always the same.

Adjustable Rate Mortgages (ARM)

With an Adjustable Rate Mortgage (ARM), your initial rate is lower than the rate on a fixed rate mortgage. This means lower monthly payments at first, a real savings that can help you offset the costs of your down payment, closing costs, moving expenses and other incidentals that are part of buying a new home. Depending on rate movements in general, the ARM may offer a lower cost over the life of the loan. First Federal ARMs feature caps which limit the amount your interest rate can change in a single year and over the life of the loan.

Land Loans are available for financing a future home site and property up to 20 acres.

Refinancing your home may be a very smart financial decision. First Federal can help with that, too. Again, we’ll look at the options and customize a loan that fits you best.

Low Down Payment Loan Programs offer an array of loans designed to meet the credit needs of low and moderate income residents as well as those who are first time home buyers to the real estate market. These loan programs feature a low down payment, making it easier than ever to own your own home.

With affordable monthly payment plans, home ownership is a reality for almost everyone. Talk with us today about the loan that fits you!

First Federal offers a variety of fixed and variable rate lending choices to meet a wide range of needs with personalized service that lets First Federal make banking simpler for you. We’ll help you take an honest, responsible look at your circumstances and develop a plan that helps you live comfortably in your own home. Talk with us about your mortgage options and let us help you come home to your dream home.

Home Equity Lines of Credit

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You can put the equity you’ve been building in your home to work with a First Federal Home Equity Line of Credit. Use your funds for home improvements or additions, for auto financing, for vacations, major purchases, unexpected expenses and more. Interest rates are often lower than other financing options, and your interest may be tax-deductible. Consult your tax advisor and ask a First Federal representative about options to fit your individual needs.

Personal Lending

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First Federal is proud to invest in the Olympic Peninsula. One way we do that is by offering the financing you need for new or used vehicles, boats, RVs, vacations, debt consolidation and more. Decisions are made locally, right here on the Peninsula, by neighbors who understand your needs. And because decisions are made here, they’re made quickly.

Business Lending

First Federal wants to be your partner in growing your business. Talk with us about loans for working capital, construction, vehicles, equipment, technology and other business needs.

Commercial Real Estate Loans

First Federal can help with loans for purchase, refinance and construction of income properties in Clallam and Jefferson counties. We can make your ideal business location a reality. Talk with a First Federal representative today.

Overdraft Line of Credit

Don't let the cost and embarrassment of overdrafts take you by surprise. Our Overdraft Line of Credit provides a personal unsecured loan to balance your account if you should overdraw. Apply for your own Overdraft Line of Credit today.


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Contact Us

Our Contact Center representatives are available:

Mon-Fri 7:00 am - 7:00 pm

Sat 9:00 am - 1:00 pm

Toll Free
1 (800) 800-1577

(360) 417-3204

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  • PO Box 351
    105 West Eighth Street
    Port Angeles, WA 98362
    Routing #: 325170848
    Phone #: (360) 457-0461

  • FDIC
  • Equal Housing Lender