First Federal Savings Premier First Time Homebuyer Loan Program LENDER FDIC Bank Contact Me Today! No PMI Required As Little as 5% Down Payment No Closing Cost Option Available FREE Pre-Approvals (260) 445-2274 kristyo@firstfederalbanking.com www.kristyottinger.com Kristy Ottinger NMLS#454477 Borrowers must meet underwriting guidelines. First Federal will not pay additional fees, such as real estote taves, any type of house inspection, lock-in fee, or prepaid interest FDIC Insured. Equal Housing Lender. NMLS # 399927 First Federal Savings Premier First Time Homebuyer Loan Program LENDER FDIC Bank Contact Me Today! No PMI Required As Little as 5% Down Payment No Closing Cost Option Available FREE Pre-Approvals (260) 445-2274 kristyo@firstfederalbanking.com www.kristyottinger.com Kristy Ottinger NMLS#454477 Borrowers must meet underwriting guidelines. First Federal will not pay additional fees, such as real estote taves, any type of house inspection, lock-in fee, or prepaid interest FDIC Insured. Equal Housing Lender. NMLS # 399927