PREMIER FIRST-TIME HOMEBUYER |First Federal Savings Bank LOAN PROGRAM LENDER FOIC Call me today for your FREE pre-approval! No PMI Required No Closing Cost Option Available Kristy Ottinger, Mortgage Loan Originator 260-445-2274 kristyo@firstfederalbanking.com Borrowers must meet underwriting guidelines. First Federal will not pay additional fees, such as real estate taxes, any type of house inspection, lockin fe or prepaid interest. NMLS 399927 www.kristyottinger.com NMLS# 454477 PREMIER FIRST-TIME HOMEBUYER |First Federal Savings Bank LOAN PROGRAM LENDER FOIC Call me today for your FREE pre-approval! No PMI Required No Closing Cost Option Available Kristy Ottinger, Mortgage Loan Originator 260-445-2274 kristyo@firstfederalbanking.com Borrowers must meet underwriting guidelines. First Federal will not pay additional fees, such as real estate taxes, any type of house inspection, lockin fe or prepaid interest. NMLS 399927 www.kristyottinger.com NMLS# 454477