A.D. Garfunkel / The Federal Savings Bank

06/09/2026

Searching for a high-value home? You need a high-caliber loan program to match.

The Federal Savings Bank's Portfolio Jumbo Adjustable-Rate Mortgage (ARM) Loan is designed for borrowers with strong profiles who are ready to buy at a higher price point.

It features loan amounts from $832,701 up to $3.5 million and competitive initial rates.

Reach out to learn more about your options.

06/08/2026

Thinking about a Veterans Affairs (VA) cash-out refinance?

Before you move forward, it helps to understand the funding fee and closing costs you may encounter.

Check out this article to learn what you can typically expect to see in the process.

Understand Veterans Affairs (VA) funding fees and closing costs for a VA cash-out refinance, including exemptions and funding fee financing options.

06/05/2026

No one likes surprise home repairs.

Luckily, a little planning can go a long way. Here are some ways to prepare before something goes wrong (and some options to consider for bigger costs).

Please see https://developers.cloudflare.com/support/troubleshooting/http-status-codes/cloudflare-1###-errors/error-1015/ for more details.

06/01/2026

If you’re a medical professional and you’ve been putting off homeownership because of student loan debt, this one’s worth a read.

Find out how medical professionals loans weigh student debt.

Please see https://developers.cloudflare.com/support/troubleshooting/http-status-codes/cloudflare-1###-errors/error-1015/ for more details.

05/29/2026

Thinking about building a home? The time of year you start can shape your timeline, budget, and overall experience.

Here’s what to know before you think about breaking ground.

When is the best time to build a home? See how spring and summer may help your timeline, planning, and overall building experience.

05/27/2026

Had the pleasure yesterday of giving this week’s Mortgage Minute at , where we discussed Debt-to-Income Ratio (DTI) and the important role it plays in the pre-approval process.
We discussed:
✔️ What DTI actually means
✔️ How lenders calculate it
✔️ Why it matters when qualifying for a home loan
✔️ Strategies we as bankers can use to help clients improve their ratios and get approved
Sometimes it’s as simple as paying down revolving debt, restructuring liabilities, or exploring alternative financing solutions to help clients move forward confidently.
I also introduced our new Portfolio Jumbo ARM NO PMI Loan Program, designed to provide qualified buyers with higher LTV options meaning lower down payments while giving buyers greater flexibility, all without monthly PMI.
Always grateful for the opportunity to educate, collaborate, and help agents better serve their clients.

05/26/2026

Today we honor the heroes who gave everything 🇺🇸

As a veteran-owned company, we carry deep gratitude for those who made the ultimate sacrifice for our nation and our freedom.

05/26/2026

This Memorial Day, we pause to remember the brave men and women who made the ultimate sacrifice for our country.

As a proud veteran-owned and operated bank, we honor those who gave their lives to protect the freedoms we enjoy — including the ability to live safely in the homes and communities we cherish.

We remember. 🇺🇸