Meet Our Team

Mortgage Lenders

Whether you're ready to buy, build, or refinance, we can open so many doors.

If you're considering buying a new home, building from the ground up, or refinancing your current home loan, come talk to First Federal. Our loan specialists have a wealth of knowledge and experience in mortgage lending. They live here in Northern Michigan, are very familiar with the community, and are dedicated to helping you get a mortgage that will fit your needs.


Barb Fox

Alpena Main Office

T: (989) 354-7355

C: (989) 464-6193

NMLS #1032862

Contact BarbSee our Locations & Hours

Paulette Roznowski

Alpena Ripley Branch

T: (989) 358-9906

C: (989) 464-7978

NMLS #443001

Contact PauletteSee our Locations & Hours

Debbie Dombroski

Cheboygan, Alanson and Gaylord Branches

T: (231) 627-9951 ext. 7401

C: (231) 420-1674

NMLS #744326

Contact DebbieSee our Locations & Hours

Penny Shumaker

Gaylord, Lewiston, and Mio Branches

T: (989) 786-9114 ext. 7806

C: (989) 464-8874

NMLS #744330

Contact PennySee our Locations & Hours