Rich Kahan The Federal Savings Bank

09/15/2026

09/15/2026

Just because you can buy at the top of your budget doesn't mean you should. A common regret among first-time buyers? Stretching too far and feeling "house poor" after the move.

When I talk with clients, we look beyond just the mortgage-factoring in taxes, insurance, utilities, and lifestyle needs like savings, travel, or unexpected repairs. Your home should be a place that fits your life-not one that takes it over.

Have questions about how to find that balance? Let's talk.

09/10/2026

Buying a home is more than just picking the right floorplan-it's choosing where your daily life will unfold. One of the biggest oversights I hear from first-time buyers? Not digging deeper into the neighborhood.

Before making an offer, I always recommend checking things like traffic patterns, school ratings, and future development plans. Visit at different times of day, chat with neighbors, and get a feel for the area's long-term outlook.

? When you're ready to talk next steps, I'm here to help guide the full picture.

09/10/2026

Granite countertops are great-but can you hear the highway through the windows? One regret I hear from first-time buyers is getting swept up in the finishes and overlooking how the home actually functions.

During showings, I always suggest thinking through the day-to-day:
Where would you drop your keys? Is there enough storage? How's the natural light?

A beautiful home should still work for your life.

? Have questions before you start your search? Let's connect.

09/09/2026

I'm here to help ITIN holders unlock their home's equity and achieve their financial goals with confidence. Our ITIN Cash-Out product offers:

? Up to 85% LTV at 8.125% (Purchase/Rate-Term)
? Up to 70% LTV at 8.250% (Cash-Out)

Whether you're consolidating debt, funding education, or starting a business, trust me to guide you every step of the way. Let's make your financial future a reality. Reach out today!

09/09/2026

? Owning a home is possible! We're committed to helping more families turn their homeownership dreams into reality. Whether you're buying your first home or exploring new possibilities, we're here to support you every step of the way.

09/09/2026

One of the most common regrets I hear from first-time buyers? Underestimating the cost of upkeep.

Instead of getting caught off guard, I recommend setting a monthly maintenance line in your budget, even before you close. It helps build the habit and gives you a cushion when the unexpected happens.

You may not need it right away-but when you do, having a plan makes all the difference.

? Ready to talk homeownership? Let's connect.

09/03/2026

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09/01/2026

Let's clear up a few common escrow misconceptions ?

? Escrow covers your HOA dues

? Your escrow account will always have enough to cover taxes and insurance

? A surplus in your escrow means your payment will go down

Understanding how escrow really works can help you avoid surprises down the road. Have questions? I'm here to walk you through it!

09/01/2026

Realtors, we're committed to growing your business! The Federal Savings Bank gives me the tools I need to provide opportunity to homeownership for each and every one of your customers. Contact me today to learn how we can work together