• Call us via: (571) 331-5161

  • Why Choose Us

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    • I am a Mortgage Banker with The Federal Savings Bank. TFSB is a veteran owned bank focused on mortgages in ALL 50 states. We offer attractive rates, coupled with reliable/predicable service. We underwrite and fund loans in house.

      • National Lender, ALL 50 states
      • Direct Lender - Fannie Mae, Freddie Mac, FHA, VA, USDA
        • Investor friendly
        • No/min overlays - we follow agency guidelines
        • Can do up to 10 financed properties per individual
        • Rental income credit with lease (no seasoning)
        • 6 month seasoning to do cash-out refi
        • No seasoning for rate-term refi (refi away for HML or Private money)
        • 1-4 units, all treated the same
        • Use all sources of income: W-2, 1099, K-1, Sch C, Sch E (rental income), S corp, C Corp, etc.
        • Loan based on 1 yr tax return
        • W-2 loan programs
        • Can use future income (within 30-60 days of start of new job)
        • Texas Section 50(a)(6) compliant mortgages – TX home owners and investors can do cash-out
      • Pre-underwriting - Fully approved loan - submit offer with no financing contingency
      • Jumbo & Super Jumbo
        • 80/10/10 up to $1.3M
        • 85% up to $3M no MI
        • 80% up to $5M
        • Loans up to $10M, higher with exception
      • Portfolio loans
        • Residential portfolio loans for investors who want the peace of a 30 yr fixed loan, but have used up the conventional loans. Can do title in LLC/S-Corp
        • Loans for individuals with derogatory credit - bankruptcy, short sale, foreclosure, deed in lieu
        • 24 month bank statement loan, Asset depletion loan
      • Condo/Co-op loans, including non-warrantable Condo & condo-tel - We have a dedicated condo/co-op department that I run every deal through beforehand. No surprises.
      • Construction/Rehab loans
        • Construction loans for Owner Occupied property, investors and Spec build for established builders
        • FHA 203(k) Rehab loan - Owner occupied 1-4 unit
        • Fannie Mae HomeStyle Renovation loan – Owner occupied 1-4 unit OR 2nd home/Investment 1-unit
      • Foreign National loans