Effective Monday, January 10, we are temporarily adjusting our banking center and drive-thru hours of operation: Monday - Thursday: 8 a.m. to 5 p.m., Friday: 8 a.m. to 6 p.m., Saturday: 8 a.m. to 12 p.m. Lobbies remain open by appointment only.

Better Together Home Loan Program


At First Federal, we’re committed to helping the communities we serve grow and prosper by expanding home ownership possibilities for all.

Our Better Together Home Loan Program enables low-to-moderate-income borrowers the opportunity to buy or refinance a home with a one-time grant of up to $3,000.* It can also be used to purchase or refinance a home in a low-to-moderate-income census tract with a $3,000 grant.*

Program Details

  • Owner-occupied, single-family properties only
  • No minimum loan amount
  • $3,000 one-time grant for closing costs or interest rate reductions
  • Minimum down payment of only 3%
  • First-time homebuyers must complete a HUD-approved homebuyer education program offered by a local housing organization

*Available in the Kansas City MSA only. Subject to income/location restrictions. All loans subject to credit approval.

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