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Apply for a Loan
 We
underwrite, fund
and service every loan we make.
We do not sell our loans, and there is no middleman. Because we are a collateral
lender, we don't make our decisions based just on credit scores, debt-to-income
ratios, or home-to-land formulas. We do it because it makes sense. If it has dirt
under it, we finance it.
Single Family Homes
Mobile Homes
Bare Land
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Any size parcel
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City lots to ranch land
Commercial Buildings
Mixed Use
(Example: Home with a large shop used for commercial purposes)
We like equity. If you have 30 percent to put down, or enough equity
in a refinance for a maximum 70 percent loan, give us a call. We will also take
other free and clear real estate or contract for deeds in lieu of a down payment.
We are the old fashion collateral lenders. If it makes sense, and there is equity,
we can do it. Call us at 1-800-908-8845.
All our loans are one year adjustables. Full term, no balloons, with caps of one-and-a-half,
and five. (One-and- a-half percent maximum rate change year-to-year. Five percent
maximum rate change over the life of the loan. Index is the one-year T-Bill.
No Prepayment Penalty
We are here for the long run. Other lenders may come and go, but
First Western Federal Savings Bank has been consistently making portfolio real estate
loans for over 25 years. We are committed to this market because it is full of opportunities,
and we will be here for the next 25 years.
Contact
Us - Roger St. Pierre or Jeff Fullerton
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Phone:
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1-800-908-8845
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Email Roger:
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We can answer any question you may have about a loan you are looking at or a scenario
you may have. We are unlike any other lender you have ever dealt with. If you are
tired of wishy-washy, indecisive lenders who lead you down a path, only to find
out at the last minute they won't do your deal, you will like our style. In other
words, we run our bank like a business. We each have over 20 years of experience
in lending and are straight-forward, to the point, and make decisions based on common
sense.
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