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Today's Rates

30 Year Fixed Rate
 Rate  APR  Points
 4.750%  5.009%  1.000%
 5.000%  5.172%  0.000%
25 Year Fixed Rate
 Rate  APR  Points
 4.750%  5.046%  1.000%
 4.875%  5.070%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 4.625%  4.977%  1.000%
 4.750%  4.981%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.250%  4.693%  1.000%
 4.375%  4.666%  0.000%
10 Year Fixed Rate
 Rate  APR  Points
 3.375%  4.000%  1.000%
 3.625%  4.036%  0.000%
3/1 Year Adjustable Rate
 Rate  APR  Points
 3.375%  5.146%  0.000%
5/1 Year Adjustable Rate
 Rate  APR  Points
 4.000%  5.259%  0.000%
7/1 Year Adjustable Rate
 Rate  APR  Points
 4.375%  5.365%  0.000%

Personalized Quote

Lin Schaefer

Branch Manager/Loan Officer

NMLS Registry Number: 562899

207 West Washington Row
Sandusky OH 44870

Office: 419 626-5576
Cell Phone: 440 610-4193
Fax: 419 626-5139


I am pleased to be part of a bank that makes its employees and customers feel part of a family. I have 13 years of lending and banking experience and even more in the financial area. My success is due in part to being available after regular banking hours and days for customer convenience, quick responses to phone and email inquiries, and thoroughness in explaining loan products and procedures, whether it’s for first time homebuyers, construction to perm, or any other programs that we offer.

I am a member of Erie and LorainCounty Chambers, North Coast BIA, and Women’s Council of Realtors. My four grandchildren and all their activities keep me enjoyably busy!


Applying online is as easy as 1-2-3.

You can apply now in as little as 20 minutes.

  1. Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed, and in the case of preapprovals, submitted for instant online approval.
  3. A First Federal Savings of Lorain loan originator will follow up to answer your questions.

At First Federal Savings of Lorain, our goal is to provide the highest level of service at competitive rates. Our loan originators are only a phone call away if you need help. Contact Lin at 419 626-5576.