Vivian Juan Malli - The Mortgage Señora NMLS #2296302

Vivian Juan Malli - The Mortgage Señora NMLS #2296302 The Federal Savings Bank is an Equal Housing Lender Co. & member FDIC. NMLS #411500. For licensing information visit www.nmlsconsumeraccess.org.

12/05/2025

What happens to your equity if you sell after a refi? 🏡
If your home’s value is higher than what you owe, you keep the equity. If it’s lower, you could face negative equity.

Want to know where you stand? Contact us to review your numbers.

12/03/2025

Should you sell after refinancing… or rent your home instead? 🏡

Ask yourself:
✅ Can rent cover your mortgage?
✅ Will it buy you time before selling?
✅ Does being a landlord fit your goals?

Not sure which path works best? Contact us to review your options.

11/28/2025

How long should you wait before selling after refinancing? 🏡

It depends on a few key factors:
✅ Your breakeven point on refinance costs
✅ Home equity and market value
✅ Loan terms, like prepayment penalties or occupancy clauses

Timing matters. Connect with us to review your breakeven point and see what timeline could work best for you.

11/27/2025

Wishing you a happy and blessed Thanksgiving! 🦃🍂

This season is all about coming together with family and friends, sharing laughter, enjoying meals, and creating memories that last a lifetime. From cooking in the kitchen to gathering around the dining table and relaxing on the couch afterward, every moment feels even more special when it’s in a home of your own.

If owning a home is part of your goals, I’m here to help you make it happen. I’ll guide you through the mortgage process step by step, keeping it simple and stress-free so you can feel confident as you move toward homeownership.

Picture next Thanksgiving in your own home, hosting your loved ones, creating new traditions, and making memories that will last for generations. Don’t wait, send me a message today and let’s start turning your dream home into reality! 🏡

🎨 Few updates make as big of an impact as a fresh coat of paint. Whether you’re adding a calming color to your walls or ...
11/26/2025

🎨 Few updates make as big of an impact as a fresh coat of paint. Whether you’re adding a calming color to your walls or giving tired cabinets new life, paint is a simple way to refresh your home.

🖌️ Tip: Use painter’s tape for clean edges, prep your surfaces well, and don’t skip primer if needed.

What space in your home would you paint first? 👇

11/21/2025

Here’s something worth knowing:

High-interest debt—especially from credit cards—adds up fast, and you’re not alone if it feels overwhelming.

With The Smart Loan, you may be able to consolidate multiple debts into a single loan with a more manageable structure—helping you take control of your finances and focus on what’s next.

Would you build a rooftop garden 🌿 or a backyard greenhouse 🌱 into your dream home?When you build, you don’t have to cho...
11/19/2025

Would you build a rooftop garden 🌿 or a backyard greenhouse 🌱 into your dream home?

When you build, you don’t have to choose between fresh air and fresh herbs—you can design both. Create the kind of home that reflects how you want to live, grow, and gather.

Your future has a floor plan. Let’s talk construction loans.

11/18/2025

At The Federal Savings Bank, our construction loan options give you the support you need to create a home that works for you—your family, your timeline, and your style.

Let’s talk about what’s possible. Give us a call today! 📲

11/13/2025

Here’s something worth knowing if you haven’t found the right home yet:

Sometimes, your perfect home doesn’t exist—yet. A construction loan from The Federal Savings Bank can help you build it.

Our construction loans can be used to:
🔨 Build a new home with your preferred builder
🏡 Add onto your current property
🛠️ Renovate or update the home you’re already in

Because when your vision doesn’t fit a listing, it’s time to create something new.

11/11/2025

Veterans and active-duty members, we salute your service and want to make sure you know about homeownership options that may be available to you through the Veterans Affairs (VA) Loan Program.

Here’s what many who are eligible don’t realize:
✅ You may be able to buy a home with a VA Loan
✅ Potentially build your dream home with a VA Construction Loan
✅ Buy a fixer-upper and roll in renovation costs with a VA Renovation Loan
✅ Or possibly lower your current rate through a VA Interest Rate Reduction Refinance Loan (IRRRL)

Whether you’re ready to buy, build, or make your current home better, I’m here to help guide you through your VA Loan options. Your service gave us freedom. Now let’s make sure you have a place to call home. DM me today!

Happy Veteran’s Day!

As a veteran-owned and operated bank, we know that building a life after service comes with big decisions—and even bigge...
11/10/2025

As a veteran-owned and operated bank, we know that building a life after service comes with big decisions—and even bigger goals. 🏡🇺🇸

That’s why we offer Veterans Affairs (VA) construction loans designed to help fellow veterans build the home they’ve envisioned, from the ground up. With no down payment, we’re here to help you take the next step with confidence.

Your mission may have changed—but our commitment to serving you hasn’t.

11/05/2025

🏡 Here’s something many don’t realize:

Qualified veterans can use a Veterans Affairs (VA) Construction Loan to build a home—on land they already own or plan to buy.

Even better? No down payment is required for those who qualify.
We’re proud to support veterans at every stage of the homeownership journey.

Address

4120 W Diversey Avenue Ste C501
Chicago, IL
60639

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