Zach Kelsey - NMLS #618786

02/11/2026

Super Bowl weekend with my son Sawyer — memories made that we’ll never forget!!
And getting to meet one of his heroes, Amon‑Ra St. Brown, was the icing on top!!!

12/25/2025

This time of year always brings me back to what matters most — family, faith, and gratitude.

Wishing you and yours a Merry Christmas and a happy holiday season. Thankful for an incredible year and the relationships that make this work so meaningful. 🎄❤️

12/23/2025

Win or lose, moments like these matter.
Great catching up with Esteban Martinez and Tracey Evans at the Lions vs. Rams game last week. Relationships always come first. 🦁

12/23/2025

Unlock the power of your home’s equity with a Second Mortgage Home Equity Loan! 💡

This option lets you borrow up to $400,000 with longer repayment terms—perfect for major home projects, renovations, debt consolidation, education costs, and more. Even better? You keep your current great mortgage rate and skip the hassle of a cash-out refinance.

With fixed 20- or 30-year terms, reduced closing costs, and no prepayment penalty, this could be the solution you’ve been looking for. Contact me today to see if a Second Mortgage Home Equity Loan is right for you!



Member FDIC | All credit products subject to approval. | Institution NMLS #402963. | Equal Housing Lender| Minimum loan amount is $50,000. | A second mortgage will add an extra payment to your monthly expenses.

12/07/2025

New season, same mission — helping families win in the mortgage process. I’m Zach Kelsey with First Federal, and I’m here as your trusted resource for all things home financing. Let’s build something great together!

All credit products are subject to approval | Institution NMLS #402963 | Member FDIC | Equal Housing Lender

12/05/2023

Confused about how the Fed Funds Rate may impact a mortgage rate? Check out this article by CNBC...
https://www.cnbc.com/select/how-does-fed-affect-mortgage-interest-rates/

Check in with a First Federal Bank Mortgage Loan Professional today to see which option is the best fit for you! BankFirstFed.com/Mortgage

Find your Idaho First Federal Loan Officer today!

11/30/2023

Curious on what the mortgage environment is projected to do in 2024? Check out this helpful article!

https://brev.is/sRhnp

There is a lot of uncertainty in the economy and the housing market but there are at least a few things we can count on heading into 2024.

11/28/2023

Unleash your financial superpowers with a SuperSaver account!

You'll be a saving legend in no time, building a heroic "rainy day fund" that can help conquer any villainous life situation. Become a SuperSaver today and earn 10.47% APY on your first $500!

Visit BankFirstFed.com/SuperSaver to learn more!

06/15/2023

Moving into your own place can be exciting and frightening at the same time. Check out these helpful tips from the American Bankers Association Foundation to help you ask the right questions when choosing your first home: https://aba.social/3i7bBfb

Ready to get started on getting into your new home? Speak with one of our Mortgage Loan Officers today! www.bankfirstfed.com/mortgage



All credit products are subject to approval. | Equal Housing Lender | Member FDIC | Institution NMLS #402963

This website is not owned or affiliated with First Federal Bank, nor is First Federal Bank responsible for the availability or content posted on this website.

05/05/2023

Always great to hear that I am taking good care of the people I serve!



All credit products are subject to approval. | Equal Housing Lender | Member FDIC | Institution NMLS #402963

03/18/2023

I love how easy First Federal makes it for me to take good care of the people who come to me!!!



All credit products are subject to approval. | Equal Housing Lender | Member FDIC | Institution NMLS #402963