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Choosing the right lender and loan program is a crucial financial decision when buying, building or refinancing a home. We are grateful for the trust our customers place in us and the relationships we are building together, and the best compliment we can receive is when customers refer their friends and family. Refer & Earn allows us to return the favor!

Click Here to Refer & Earn

As a mortgage customer, you can start earning money by referring friends & family.

Provide us with the contact information of your referral by submitting our referral form.

Earn a $50 Visa® Gift Card when your referral closes on a home loan.


The more people you refer, the more money you can earn.  There's no limit to how many people you can refer.

Our Mortgage Lending Experts are ready to provide your family, friends and colleagues with the best possible lending experience that only a true community bank can offer, so start referring and earning today!

Once your referral closes, you'll receive a confirmation email from us notifying you with an estimated date you can expect to receive your $50 Visa® Gift Card via U.S. Mail.

Click Here to Refer & Earn

We love our mortgage lending program, and we’re thrilled to hear that our customers do too!

"I can't imagine having gone through buying my first home with anyone else." -Plainfield, IL

“I would recommend First Federal to anyone and everyone that is considering a home purchase or refinance." -South Elgin, IL

"We are so happy with our purchase and we will recommend First Federal Savings Bank to everyone we know." -Woodstock, IL

“For a first time home-buyer, they helped ease my stress several times!” -Ottawa, IL

"I will certainly be spreading the word." -Marseilles, IL

“Completely won us over from the start.” -La Salle, IL

“I have already referred two friends.” -Seneca, IL

"I would highly recommend to our family, friends and colleagues." -Morris, IL

“Someone that I can trust to help in the future...” -Jeffersonville, IN

“I'll refer other friends as frequently as possible.” -Crestwood, IL

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$50 Visa gift card will be sent to referee via U.S. mail upon referral closing a mortgage loan originated by First Federal Savings Bank with an application date on or after December 1, 2019. Offer is only valid for mortgage customers of First Federal Savings Bank. Real estate professionals and settlement service individuals are not eligible. Other terms and conditions apply. All loans are subject to credit and underwriting approval. Other fees and restrictions may apply. Offer is subject to change without notice. Loan Valet is a registered trademark of First Federal Savings Bank. Visa is a registered trademark of Visa International Services Association.

  • Privacy Policy

Loan Valet is a registered trademark of First Federal Savings Bank. Registering for a secure account is required in order to enter Loan Valet and submit an application. An account is not required to Request a Consultation with a Loan Officer. A consultation does not obligate you to commit to a loan. There is no charge or additional fees associated with using Loan Valet or requesting a consultation. Individual borrowers must be at least 18 years or older and have a valid social security number to take out a loan. Minimum credit score to obtain a home loan varies by loan program.  All loans are subject to credit and underwriting approval. Annual Percentage Rates vary depending upon loan program, credit score, loan amount, amount/percentage of down payment, loan term, credit usage, credit history, state of residence, etc. Loan fees vary depending on location, loan purpose, loan type, services used, etc. Other fees and restrictions may apply.

NLMS# 565428

Corporate Headquarters:

633 LaSalle Street, Ottawa, IL  61350

800-443-8780    |webmaster@ffsbweb.com

www.ffsbweb.com

Loan Valet is a registered trademark of First Federal Savings Bank. Registering for a secure account is required in order to enter Loan Valet and submit an application. An account is not required to Request a Consultation with a Loan Officer. A consultation does not obligate you to commit to a loan. There is no charge or additional fees associated with using Loan Valet or requesting a consultation. Individual borrowers must be at least 18 years or older and have a valid social security number to take out a loan. Minimum credit score to obtain a home loan varies by loan program.  All loans are subject to credit and underwriting approval. Annual Percentage Rates vary depending upon loan program, credit score, loan amount, amount/percentage of down payment, loan term, credit usage, credit history, state of residence, etc. Loan fees vary depending on location, loan purpose, loan type, services used, etc. Other fees and restrictions may apply.

NLMS# 565428