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 and the rest of the team were incredibly helpful navigating several potential hiccups throughout the loan process. They were on top of things and made sure we were able to close on time.
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
I'm very glad to hear that you found our service helpful, Adam. Ensuring smooth transactions and addressing potential challenges proactively is a key aspect of our service at First Federal Bank. Thank you for affirming that we were able to...
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It was relatively simple
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
I appreciate your feedback, Steven, and I'm glad to hear that you found the process relatively simple. At First Federal Bank, we continuously strive to make our customer experience as uncomplicated as possible. Your 4-star rating tells me we're...
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Vic was very great! As a veteran I checked with four other lenders searching for the best VA loan. Vic was offering a rate about 0.5% lower than all of them. No points, no fees. NATURALLY I WAS VERY SUSPICIOUS! I must have bugged the crap out...
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Third time getting a Home Loan with Vic (two homes and one refinanced). He is always great and has the lowest rates for VA Home loans anywhere. Definitely recommend.
Very good service
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
I'm thrilled to hear that you found my service satisfactory, Rick. At First Federal Bank, we always aim to provide an exceptional level of service and it's wonderful to hear we achieved this with your experience. Thank you for taking the time...
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Good communication, fast responses, and best of all, low fees and a good rate.
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
I'm thrilled to hear you had such a positive experience, Abraar. Keeping communication open, responses quick, and our fees and rates competitive is an integral part of the service we aim to provide at First Federal Bank. Your feedback is greatly...
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Working with Vic was a pleasure. He worked to make sure all of our information was conveyed properly to the correct people. He is also quick to answer phone calls even if it is for the same questions multiple times.
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
I sincerely appreciate your kind words, Austin. It was equally a pleasure working with you. Ensuring proper communication and being available to answer all your questions is part of the service I am committed to providing. Your satisfaction...
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Vic and BNC were able to get me rate that was well below (by a percent!) any other competitor at the time. I was worried that there would be a catch, but Vic was responsive, he picked up the phone whenever I called, and he worked to explain...
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Vic was very responsive to our calls, emails, and answered all our questions. He also provided good reassurance throughout the process.
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
I'm so pleased to hear that you had a positive experience interacting with me. Your satisfaction is of utmost importance to me and First Federal Bank. I'm glad I could provide reassurance throughout the process and promptly answer all your...
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Vic was very responsive and always available for us
He’s the best! So you better choose him 😊
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
Thank you so much for the amazing review, Pruthvikkumar! I'm thrilled to hear that you had a positive experience with my services at First Federal Bank. Your satisfaction is my top priority and I'm glad to have been able to meet your expectations....
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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.