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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Reviews from Web
Vic is very informative and helpful! We appreciate all the time and hardwork involved in processing our mortgage application
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
Thank you so much for the wonderful review, Cynthia! It was a pleasure working with you on your mortgage application. I'm always here to help and provide any information you may need. Your kind words are greatly appreciated and motivate me...
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Open, honest and direct communication.
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
I appreciate your positive feedback, John. It's essential to build trust through open and honest communication in the banking industry. I'm glad I was able to meet your expectations. Your 5-star rating means a lot to me and First Federal Bank....
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Vic is very knowledgeable in all aspects of mortgage lending. He's upfront with all costs associated with mortgages and takes all the pressure off you while working thru the lending process.
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
I'm incredibly grateful for your kind words, Andrew! I'm thrilled to hear that you were satisfied with the lending process at First Federal Bank. I always aim to provide honest and straightforward advice to help alleviate any pressure. Thank...
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Vic was very personable and passionate about what he does. He broke down the loan to make it very easy to understand as a first time homebuyer. If any veteran is looking for a VA loan I highly recommend going with Vic as he cares about getting...
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Reply from Vic DeSantis
September 12th, 2026 12:24 AM
Thank you very much, Nicholas, for your kind words and the fantastic 5-star rating. I'm thrilled to hear I was able to make the loan process easy to understand for you, especially as a first-time homebuyer. Serving our veterans with the best...
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Vic was excellent to deal with. Gave me straight, accurate and actionable info at all stages of the transaction. Delivered exactly what was agreed to. Responded to my calls and emails promptly. Ensured that the loan commitment happened quickly...
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Reply from Vic DeSantis
September 12th, 2026 12:24 AM
I'm truly grateful for your kind words, Mark. It's great to hear that you found the information I provided to be helpful and that you were satisfied with how promptly I responded to your calls and emails. Here at First Federal Bank, we always...
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- Great interest rates
- Prompt communication
- Ease of use of the online portal
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
I'm thrilled to hear that you had such a positive experience at First Federal Bank, Hari. Your feedback about the great interest rates, prompt communication, and ease of use of our online portal is truly appreciated. We constantly strive to...
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Vic worked diligently with me, my agent and my insurance provider. He responded promptly to all queries. The rate I got was among the best. The process was convenient due to the online process at ffb bank portal.
Vic got me a lower rate and lower closing costs than anyone could compete with, including the in-house lender. He was always willing to jump on a call and talk through the details and was flexible when things needed to be adjusted at various...
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Vic was AWESOME - professional, personable, and helpful. However, the underwriting process was less than transparent. It was like a moving target with the bar shifting more than once, changing or adding requirements with little concern for...
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Reply from Vic DeSantis
September 12th, 2026 12:24 AM
I'm thrilled to hear that you found my assistance beneficial, Karen. Your kind words mean a lot. On the other hand, I'm regretful to hear about the issues encountered during the underwriting process. It's crucial to us at First Federal Bank...
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Vic was thorough, helpful, and clear throughout the process. He kept his promises and came through with a great loan for us.
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
I'm deeply grateful for your kind words and 5-star review, Tony. It was an absolute pleasure assisting you throughout the loan process. It is always my goal to provide thorough, clear, and reliable service, and I'm glad to hear that this was...
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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.