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was very professional and was so concerned about us understanding everything and she explained it very well. I know you're probabve her on
Reply from Devin McCullough
July 15th, 2026 05:01 PM
Judy, I'm happy to hear you found my professionalism and explanations helpful. It's important to me that you feel informed and comfortable throughout the process. Thank you for your kind words and for choosing First Federal Bank.
This is the second time that I have done a home loan through Jerica. She is great at explaining things in a way that are easy to understand. After completing almost all steps of a loan we had to cancel that loan due to a bad inspection. We...
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Reply from Jerica Zavala
July 15th, 2026 03:12 PM
Heather, I'm grateful for your kind words and I'm pleased to hear that I could assist you through the home loan process once again. It was a challenge with the inspection, but I'm glad everything worked out smoothly for your move. Thank you...
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Mrs Ratliff attention and attention towards service and providing services are beyond exceptional, the services were divinely in perfection. Thank you Mrs Ratliff for your guidance, patience and dedication
Jeffery Ellis
Reply from Debbie Ratliff
July 14th, 2026 07:06 PM
Jeffery, I appreciate your kind words and am pleased to hear that you found my guidance and service helpful. Your feedback means a lot to me, and I'm grateful for the opportunity to assist you. If you need anything else, please feel free to...
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Jerica was there every step of the way and was so helpful. Cant say enough about her.
Reply from Jerica Zavala
July 13th, 2026 02:29 PM
Thank you, Toni, for your kind words. I'm pleased to know that I could be helpful to you throughout the process. If there's anything more you need, please feel free to reach out.
Everything went smoothly including our property change
Reply from Carrie Bregar
July 13th, 2026 02:54 PM
Curtis, I'm pleased to hear that everything went smoothly with your property change. If you need any further assistance, please feel free to reach out.
Leslie is great
Reply from Leslie Musumecci
July 13th, 2026 08:38 PM
Robert, I'm pleased to hear that you had a great experience. If there's anything else I can assist you with, please feel free to reach out.
Carrie is THE BEST!!! She gets 6 out of 5 stars :-) She took time to sit with us in person in her office a few times before our closing to go over details about our pre-qualifying, our loan, and to answer any and all questions that we had....
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Reply from Carrie Bregar
July 10th, 2026 06:45 PM
Frederick, I'm grateful for your kind words and pleased to hear that I could support you throughout your home-buying journey. It was truly important to me that you felt confident and informed every step of the way. If you have any further questions...
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Highly recommend! Such a pleasure to work with and made the process smooth as can be!
Reply from Kayla Bobo
July 10th, 2026 04:23 PM
Thank you for the kind recommendation, Edward. I'm pleased to hear that the process was smooth and enjoyable for you. If there's anything else I can help with, please feel free to reach out.
She answered any and all questions I had throughout the process
Reply from Carrie Bregar
July 8th, 2026 05:13 PM
Jason, I'm happy to hear that I could answer all of your questions throughout the process. If you have any more queries or need assistance in the future, please feel free to reach out.
Always helpful
Reply from Jerica Zavala
July 7th, 2026 07:45 PM
I'm grateful for your kind words, William. It's wonderful to know that you found my assistance helpful. If there's anything else you need, please don't hesitate to reach out.
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About
First Federal Mortgage's experienced Lending Specialists are located throughout the state of Alabama, including Athens, Birmingham, Florence, Gadsden, Huntsville, Mobile, Orange Beach, and Tuscaloosa.
Click here to find a location near you.
Our mortgage loan specialists have access to the best loan products available in the country. What makes our mortgage division special is the willingness for our loan officers to go above and beyond the call of duty in making the loan application process as smooth and efficient as possible.
Since our original charter in 1958, First Federal Bank has been providing financial services that exceed the expectations of our customers. First Federal Bank is a full service community bank headquartered in Tuscaloosa, AL.
Whether you need to purchase a new home, need a bridge loan, need to refinance or establish an equity line of credit, our mortgage loan department can offer you the right loan for your situation. Click here to find a loan specialist.
So when you are in need of financial help for a mortgage loan, an equity line of credit, or BOTH, First Federal Mortgage is there for you. We'd love to make you a part of our growing family of customers. You will love banking with us!

