Mortgages

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!

Today's Rates

Up to 97% Financing

Comparison table of Home Loans
Details	Rate	Fee	Points	APR	Monthly Payment
30 Year	6.375%	0.500%	1.000%	6.550%	$2,339.51
20 Year	6.125%	0.500%	1.000%	6.353%	$2,713.73
15 Year	5.625%	0.500%	1.000%	5.908%	$3,088.99
**29 Year Construction	6.375%	1.000%	1.000%	6.625%	$2,366.60
*30 Year FTHB	6.625%	0.000%	0.000%	6.638%	$2,401.17

Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing this loan.

Fee totaling 0.500%, with a minimum of $1,500 will be charged.

Interest Rates and Annual Percentage Rates (APRs) are based on a purchase of a 1-4 family, owner occupied residence with a down payment of 25%, a loan amount of $375,000, a 740 FICO score and automatic payment. These rates are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount (jumbo), loan-to-value, credit score, refinance with cash out and other variables - call for details. If mortgage insurance is required, the mortgage insurance premium could increase the APR and monthly mortgage payment. Additional loan programs may be available. Minimum loan amount is $50,000.

Rates and fees quoted effective 7/23/2026 and are subject to change without notice.

*First Time Homebuyer Loans - Maximum loan to value ratio is 97% of the purchase price or appraised value, whichever is less with no PMI (private mortgage insurance) required. Annual Percentage Rate (APR) and payment are based on a $375,000 loan. Rates and fees quoted subject to change without notice. Other restrictions may apply - call for details.

**Construction Loans - 29 year maximum term combined with an 8 month construction period wherein interest on disbursed funds is due monthly. Loan amount not to exceed $832,750. Minimum loan amount is $50,000.

Residential Mortgage Officers

For all you rmortgage lending needs, please connect with one of our local lending officers.

Sandy Schultz VP, Loan Officer Consumer Lending NMLS 958218 **Phone:** 503-435-3252 **Fax:** 503-472-0777

Cierra Crawford Loan Officer Consumer Lending NMLS 2234006 **Phone:** 503-435-3222 **Fax:** 503-472-0777

Sara Brown AVP, Home Office Branch Manager & Loan Officer NMLS 2236466 **Phone:** 503-435-3229 **Fax:** 503-472-0777

Tara Quincy VP, McDaniel Branch Manager & Loan Officer NMLS 1455971 **Phone:** 503-435-3240 **Fax:** 503-474-0481

Monica Tribys-Colombi AVP, Carlton Branch Manager & Loan Officer NMLS 1476767 **Phone:** 503-435-3219 **Fax:** 503-852-7240

Amanda Bowlby VP, Newberg Branch Manager & Loan Officer NMLS 1814804 **Phone:** 503-435-3265 **Fax:** 503-537-0498

Sara Meyer VP, Sheridan/Amity Branch Manager & Loan Officer NMLS 2128481 **Phone:** 503-435-3243 **Fax:** 503-843-4405

HOME FINANCING CALCULATORS

What mortgage can I afford?

What's the true cost of a Mortgage?

Should I rent or buy?

Should I Refinance?

What would it take to pay off my mortgage early?

Other Mortgage Loan Options

Refinance Loan

Pay off your mortgage sooner and lower the amount of interest you’ll pay over the life of your loan.

Check Today's Rates Mortgage Refinance Calculator

Construction Loan

Let us help build your dream home. 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 is unique to roll 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.

Check Today's Rates

First Time Home Buyer Program

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.

Learn More

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.

Check Today's Rates

Lot and 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.

Check Today's Rates

Questions?

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.

Apply Now Check Rates Lending Resources