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About Us

We have built a strong reputation as an outstanding mortgage lender in northwest Ohio, northeast Indiana and southeast Michigan, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state.

Just as shopping for a home includes the evaluation of many different home styles and options, finding the right mortgage product is just as important. First Federal Bank lenders will provide you with professionalism and experience while offering you competitive interest rates and outstanding, local service. Our job begins with fully understanding your needs and both your short and long term goals. We will discuss various options with you to determine what type of financing is ideal for your situation. We then evaluate the market and all of our current products, rates and underwriting guidelines to find the very best loan product for your needs.

It wasn't long ago that a 30 year fixed rate mortgage was your primary option. Today, many popular loan programs exist. We have provided the descriptions of the basic loan programs available to help you understand the benefits and drawbacks of each of the various types of mortgages. And don't forget that First Federal Bank can provide you with a Free Pre-Qualification Analysis so you'll know the amount of loan you'll qualify for before you go house hunting.

The following factors should be considered when evaluating loan programs:

  1. How important monthly payment stability is to you.
  2. Your ability to qualify at market rates for the loan amount selected.
  3. How long you plan to stay in the home.
  4. Expectation of stable versus rising or declining income.
  5. Level of current market rates - high versus low.
  6. Possibility of significant rate changes.
  7. Existence of up-front costs.
  8. Your desire for rapid home equity build-up.
Dennis Oxender, Retail Lender NMLS #562537
First Federal Bank of the Midwest
7591 Patriot Dr., Findlay, OH  43526
Toll Free:  (877) 367-8178
Direct:  (419) 423-3244
doxender@first-fed.com
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