Programs, rates, terms and conditions are subject to change without notice. Rates may vary depending on each individual's credit history and underwriting factors. The disclosed closing costs, taxes and insurance are based on estimates; actual costs, taxes insurances and the proration paid by the seller may vary. Not all borrowers qualify for all programs, must meet underwriting guidelines and are subject to credit review and approval. This does not constitute a commitment to lend. For mortgage loans other than fixed rate loans, it is possible that the borrows' payment may increase substantially after consummation. This is not a First Federal Bank tool and the results of this tool does not constitute an application.