

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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I was originally skeptical about using an online lender, but I put my faith in Vic and he delivered. The interest rate that he quoted me was 25-50 bps lower than any other lender and the origination costs were very reasonable. I already told...
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Vic was great getting us the best rate at the lowest cost. Communication and overall experience was fantastic. I would definitely recommend reaching out to him if you are looking for a lender.
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
Christian, your feedback is greatly appreciated! I'm thrilled to know that you found the communication and overall experience to be fantastic. I'm always here to provide the best rates and lowest costs. It's my goal to make everyone's lending...
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Easy to get a hold of. Quick response time.
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
I'm thrilled to hear about your positive experience, Jennifer! At First Federal Bank, we aim to make communication as easy and efficient as possible. Your kind words and perfect rating mean a lot. If you ever need further assistance, don't...
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He was available and help us through the process.
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
I'm truly grateful for your feedback, Viviana. It was a pleasure to be there for you during the process and I'm glad to know you were satisfied with the service. Your rating and review mean a lot to me and everyone here at First Federal Bank....
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Vic had great communication throughout the process and made sure we were ready to close on time. Everything went extremely smooth.
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
I'm thrilled to hear that you felt well informed and prepared throughout our process, Devin. Ensuring a smooth and timely closing is always my priority. Thank you for your kind review and for choosing to work with us at First Federal Bank....
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Vic had great communication throughout the process and made sure we were ready to close on time (30 day close and they got started on day 3 after I changed lenders). Everything went extremely smooth.
Vic was very helpful! He is highly knowledgable and kept us updated every step of the way. He communicates effectively and always responded in a timely manner.
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
Thank you so much for your positive feedback, Laura! I'm thrilled to hear that you found my service helpful and that communication was smooth throughout. I strive to keep my clients well-informed and comfortable at every step of the process....
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Vic was a joy to work with. He explained everything thoroughly and didn’t assume we understand mortgages and the mortgage process like some lenders have done. He walked us through a process step by step and helped us jump over any hurdles easily....
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Vic is a very patient and kind person who explains everything. In additions he helps guide the process giving advice and encouragement. We were able to accomplish the refinance quickly because Vic was always available by text, phone or email...
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Reply from Vic DeSantis
September 12th, 2026 12:24 AM
Hi Kimberly, I'm deeply moved by your kind words. It was a pleasure to assist you with your refinance, and I'm thrilled to hear that the process was smooth and efficient. Communication is key in this process, and I'm glad my availability and...
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Vic always made sure we were informed at all steps in the process and was there to answer any questions. We would recommend anytime!
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
I'm truly delighted to hear that you had a positive experience with our banking process, Heather! It's always my priority to keep my clients informed and supported throughout their journey with First Federal Bank. Knowing that you would recommend...
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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.