Top Rated National®

IRA Non-Recourse Loan Lender

WELCOME

First Western Federal Savings Bank

We run our bank like a business, not a bank.

At First Western Federal Savings Bank, you’ll find a type of honesty in our non-recourse lending program that you won’t find anywhere else. We take extraordinary pride in providing simple, straightforward answers to your important questions about buying investment real estate and our financing programs. As a portfolio lender for over 30 years, every loan we make stays in­-house which means the same person works your application from start to finish and throughout the loan’s repayment so you can always know the status of your deal.

We are excited to be able to offer IRA Non-Recourse Loans to help you achieve your retirement and financial goals. We can help you leverage your retirement account to buy real investment property inside your retirement account. Imagine, tax-deferred (or tax-free!) appreciation AND income from an asset you own, manage and control. Stocks, bonds, and mutual funds have margin… investment property has us!

Our knowledge will benefit you, responsiveness will shock you, and our guidance will impress you. From investment property loans to selling CRP payments and niches in between, specialized lending is our specialty! Give us a call or shoot us an email if you would like to discuss your “deal” with one of our lending experts.

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First Western Federal Savings Bank Is Different Than Other Loan Providers

First Western Federal Savings Bank was founded in 1979 as a portfolio lender. Since the beginning, we have been committed to providing exceptional customer service, quick responses, and common sense answers. We have a unique style of banking that allows the customer immediate access to all decision-making and answers to their questions. Our main focus is customized lending on income-producing properties. All of our employees have decades of banking experience, as well as experience with IRA loans. Each loan officer has decision-making authority, giving the customer immediate feedback as to any potential loan request.

Small Town Roots, Nationwide Reach

We lend nationwide on Single Family Detached, five-plus units, commercial real estate, and agricultural properties. First Western Federal Savings Bank also specializes in CRP payments, as well as self-directed IRA loans by providing non-recourse loans. This includes IRA LLCs, 401K plans, and custodian IRA’s. Our non-recourse lenders service all of our loans in order to provide accurate and quick responses to any question about buying real estate with an IRA. Our quality customer service, along with our successful track record means that our customers keep coming back.

WE LEND ON...

  • SINGLE FAMILY DWELLINGS
  • MULTIFAMILY AND APARTMENTS
  • COMMERCIAL PROPERTY
  • AG LAND WITH LEASE INCOME
  • VACATION RENTAL BY OWNER

Recent Posts

Top 5 Real Estate Markets for IRA Investors Using Non-Recourse Financing in 2026

As we navigate the 2026 housing landscape, self-directed IRA investors are shifting their focus toward markets that balance high rental demand with long-term stability. Selecting the right location is the first step in ensuring your property generates the consistent cash flow required to support a non-recourse loan. Dallas-Fort Worth, Texas: The Economic Powerhouse The Dallas-Fort…

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Non-Recourse vs. Traditional Lending: Why Your IRA Needs a Different Kind of Loan

When you transition from personal real estate investing to using a self-directed retirement account, the rules of the game change significantly. Traditional mortgages are not just a poor fit for retirement accounts; they are actually prohibited by the IRS. The IRS Compliance Mandate Internal Revenue Code Section 4975 prohibits you from personally guaranteeing a loan…

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Leveraging Your Retirement: A 2026 Guide to Non-Recourse Loans and Real Estate IRAs

As the 2026 real estate market presents new opportunities for growth, savvy investors are looking beyond traditional stocks and bonds to build their portfolios. Leveraging a self-directed retirement account allows you to purchase physical property while maintaining the tax-advantaged status of your hard-earned savings. The Power of Non-Recourse Debt A primary tool for this strategy…

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