Whether you are a first-time home buyer, looking for a new home, refinancing your existing home or in need of a home equity line of credit, First Federal has a variety of residential mortgage loan products to fit your borrowing needs. If it is your business that requires financing, our commercial lender can help find a solution to your needs. The Welcome Home Program is back for 2023. If you are buying a home this year, you may qualify for a grant of up to $10,000 toward your down payment and closing costs.