Vic DeSantis
Sr Mortgage Lender
With more than 25 years of experience in finance and mortgage lending, I’ve spent my career helping clients navigate one of life’s most important financial decisions—purchasing a home. Since 2008, I’ve specialized in residential mortgages, ... Show More
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Vic was very concise with all the information he gave to us and in what he needed from us. He was timely in responses and easy to communicate with. Overall very good experience.
This was the second time working with Vic and it couldn't be any easier. Vic took care of us as if we were refinancing for the first time. It was a true blessing to have him in our corner and I coundn't be anymore honored to say thank you Vic!...
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Vic was most helpful in filling out the required forms. I am not that proficient in the use of the computer to find and send the required documents. Vic was good enough to calmly lead me step by step through the procedures neccessary to transmit...
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Reply from Vic DeSantis
September 12th, 2026 12:24 AM
I'm glad to hear that I could assist you through the process and make it more manageable. It's great to know that together we successfully completed the necessary steps. Your patience and cooperation were much appreciated. If you need any further...
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VicThank you for your help in working my way through the mortgage application mine field. I am not very good at manipulating computer information, so I appreciate your patience and guidance in coaching me through the skills needed to move tax...
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Vic was a great support. He helped me get the rate and worked with me throuhout the process.
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
I'm delighted to hear that I could support you throughout the process and assist in securing your rate. Thank you for your kind words and for choosing First Federal Bank.
Responsiveness, professionalism, kindness
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
I'm thrilled to hear that you appreciated the responsiveness, professionalism, and kindness during your experience. It was a pleasure assisting you, and I look forward to serving you again in the future.
Vic is very professional, helpful and responsive. I highly recommend working with him. The loan closed on time and the rate was competitive. I’ll be working with him again in the future.
I did much of it over the phone while traveling. Vic worked with me to get the needed information submitted even with occational losses of cell coverage.
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
John, I really appreciate your kind review and the opportunity to work with you, especially under challenging conditions like spotty cell coverage. I’m glad we could successfully manage everything remotely. If there's anything else you need...
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Very helpful and answered all my questions
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
Kyle, I'm really glad to hear that I could help and answer all your questions. It's great to know that you had a positive experience working with me at First Federal Bank. If you ever need more assistance or have any other questions in the...
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As a first time home buyer, I did not feel informed through several steps of the way, especially towards the end. Before formally applying, Vic was very communication, friendly, and helpful. He became very condescending and agressively defensive...
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Reply from Michael Zerr
March 10th, 2025 01:35 PM
Thank you for sharing your experience regarding the mortgage process with First Federal Bank. We're sorry to hear that your experience as a first-time homebuyer did not meet your expectations, especially with the communication issues and the...
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About
With more than 25 years of experience in finance and mortgage lending, I’ve spent my career helping clients navigate one of life’s most important financial decisions—purchasing a home. Since 2008, I’ve specialized in residential mortgages, combining deep industry knowledge with a focus on making every client’s experience smooth, informed, and stress-free. My goal is to provide expert guidance, transparent communication, and loan options that best fit each client’s unique goals. Originally from Chicago and Los Angeles, I came to the Midwest to attend Graceland University in Lamoni, Iowa, where I played soccer and football on scholarship while earning my degree in Psychology.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Fixed Rate Mortgages
Adjustable Rate Mortgages
USDA Loans
Qualified Mortgage Pre-Approvals
Cash-Out Refinances
Specialities
VA, FHA, Conventional loans
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Year Started
2005
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS #272866
Hobbies
- NFL, working out, Pickleball with my wife. Watching my wife's son play college baseball.