Partner Programs | First Federal Saving & Loan (Pascagoula, MS)

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Partner Programs

"Homebuyer education and financial assistance is the key to your first home."

Richard Perkins, SVP Loan Origination Manager


Having the right partnerships in place and working with you every step of the way makes your dream of home ownership a reality.

First Federal is committed to working with you to find the best financing options for your new home.  Our Homebuyer Equity Leverage Partnership (HELP) with the Federal Home Loan Bank in Dallas (FHLB Dallas) and our partnership with Mercy Housing and Human Development (MHHD) are just two ways we put the tools in your hands to make it a reality.  Together, we empower low-to-moderate-income families to become financially self-sufficient, clearing a path to homeownership.

As a member institution of the FHLB Dallas, we can offer the HELP program to assist first-time homebuyers who meet income requirements with up to$20,000.00in down payment assistance and closing costs.  The funds are awarded on a first-come, first-served basis to qualifying households with income not exceeding 80% of the area median income.  HELP funds are available until the funds are exhausted or until December 31, 2024, whichever occurs first.  For more information, you can visit or call a loan officer at 228-762-4034. 

To apply for HELP, complete an online home loan application:  A loan officer will contact you for additional information to determine  HELP eligibility.  

MHHD has been a HUD-recognized non-profit, 501(c) 3, and a vital hub for homeowner education on the Gulf Coast for over 25 years.  MHHD recognizes the need for sustainable, affordable housing for families in South Mississippi.  Their core mission is improving the financial health and literacy of our communities.  First Federal is sponsoring the course fee* for qualifying applicants for a limited time.  Mercy Housing and Human Development offers the following services to ensure you reach your goals:

  • Homebuyer Education
  • Credit Counseling
  • Money Management
  • Financial Education
  • Post Purchase Education
  • Survival Skills for the Family

HUD-certified Counselors provide all services.  For more information, visit or call 228-896-1945 for an appointment today.

*Fee paid directly to MHHD in advance.  Completion of class does not guarantee loan approval. 

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