Loans
Real Estate Loans
First Federal offers term loans and lines of credit for stabilized income properties. We specialize in multifamily properties with five or more units, mixed-use and most commercial property types.
Real Estate Loans
Helping you reach your goals
First Federal offers term loans and lines of credit for stabilized income properties. We specialize in multifamily properties with five or more units, mixed-use, and most commercial property types.
Our loans are underwritten and approved locally, and retained in our local loan portfolio throughout the term. An advantage of borrowing from First Federal is your mortgage servicing remains local. When you call us, you’re speaking directly to your neighbors at First Federal instead of a third-party or automated service.
We offer adjustable and hybrid-rate mortgages. Best of all, our loan application process is quick and easy. So don’t hesitate, contact us to discuss your particular financing needs today!
Apply For a Loan with First Federal
Advantages of borrowing from First Federal
- All of our loans are underwritten by local professionals who have extensive knowledge of the local real estate market.
- Our loan pricing is competitive, and no fees are required until your loan is approved.
- Because our processing is handled in-house, we can usually close loans faster than other lenders, and you will work with the same team for the life of your loan.
- Loan questions will be answered by an employee who is knowledgeable about all of the loans in our portfolio. We will not transfer you from department to department for servicing.
Ready to take the first step in reaching your goals? Reach out to us!
Equity Lines of Credit on Commercial Real Estate
If you need more spending power, take out a line of credit against the equity in your real property. You can access your line of credit through our online banking service, by telephone, or in person. For any loan questions, or to discuss a particular loan need, please contact us.
Registered and Reputable
Our Mortgage Loan Originators
The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) requires employees of federally regulated lending institutions who act as mortgage loan originators (“MLO”) to register with the Nationwide Mortgage Licensing System and Registry (“Registry”). Each First Federal MLO is registered with the Registry and has a unique identification number. If you would like to confirm that the mortgage professional with whom you wish to conduct business is authorized to perform mortgage business, please find the MLO’s unique identification number below and perform a search at www.nmlsconsumeraccess.org to find information regarding the MLO who is registered with the NMLS.
- First Federal Savings and Loan Association of San Rafael, NMLS #474535
- Paul Simmons, NMLS #477705
- Anthony Moreno, NMLS #1063297, Broker #01264507
- Wendy Simeone, NMLS #477706