Important Answers
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Most Frequently Asked Questions.

1. How do I lock my rate?

Contact me.  I will lock your rate upon your request and will update you daily on market
conditions so you can make the decision that best suits your needs.

2.  Are we right for you?

Whether you're purchasing or refinancing, we're certain you'll find our service amazing!

If you'll be purchasing but haven't found the perfect home yet, complete our application and we'll
issue an approval for a mortgage loan now with no obligation!

3.  Can I apply for a loan before I find a property to purchase?

Yes, applying for a mortgage loan before you find a home may be the best thing you could do! If
you apply for your mortgage now, we'll issue an approval subject to you finding the perfect home.
We'll issue a pre-approval letter online instantly. You can use the pre-approval letter to assure
real estate brokers and sellers that you are a qualified buyer. Having a pre-approval for a mortgage
may give more weight to any offer to purchase that you make.

When you find the perfect home, you'll simply call me to complete your application. You'll have
an opportunity to lock in our great rates and fees then and we'll complete the processing of your

4.  Is there a fee charged or any other obligation if I complete the online application?

There's no cost at all for completing our application. After your loan is approved, you have NO
financial liability until you give permission to order the appraisal.  The appraiser gets paid
whether you decide to close your loan or not.

5.  Uncomfortable about providing personal data online?  Is our site secure?

Information About Our Site Security

We use leading-edge technology to ensure that all customer information is 100% safe. We protect
our customers by using a combination of security measures that are among the best in the
e-commerce industry.


All customer information is encrypted using Secured Socket Layer (SSL) technology supported
with digital certificates provided by Starfield Technologies. This means that your loan application
information is safe and secure as it travels over the Internet.

Firewall Security

We use leading firewall and network security technology to protect our internal computer
systems from unauthorized access. Our customers can be confident that their personal
information is completely safe and private after they apply.


After you apply, you can return to our secure website to upload required documents safely and

Apply Now
First Federal Bank is an FDIC insured nationally chartered mutual savings bank approved lender.  NMLS# 408902.
We are an approved VA and FHA Lender. VA Lender: #6353290000 | FHA Lender: #7478000079
First Federal Bank, 2450 Atlanta Hwy Suite 1103 Cumming, GA  30040
Bill Brown
NMLS# 1460898
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