Rich Kahan The Federal Savings Bank

08/25/2026

? Here's something homebuyers should know:

Your real estate agent's commission doesn't have to come out of your homebuying budget.

The Smart Loan is a financing option that can help cover the cost of the buyer's commission-so you can focus your funds on the home that fits your future.

08/24/2026

🏢 Looking into buying a condo? Here's something to keep in mind:

Condo living means shared spaces, amenities-and the added involvement of a Homeowners Association (HOA) or Housing Cooperative (Co-Op). That can make the process more complex than buying a single-family home.

That's why we have an entire Condo/Co-Op Department dedicated to working directly with HOAs to help keep your loan moving.

At The Federal Savings Bank, service isn't a department-it's our foundation.

08/18/2026

🏡 Not every homebuyer has a Social Security Number-and that shouldn't be a barrier to homeownership.

At The Federal Savings Bank, we offer an Individual Taxpayer Identification Number (ITIN) Loan to help more families achieve their goals.

✅ Available in all 50 states
✅ For primary residences
✅ Includes condos, single-family homes, and Planned Unit Developments (PUDs)
✅ Offers nontraditional credit options

Because trust is earned-and every path to homeownership matters.

07/29/2026

07/27/2026

Not every borrower fits within traditional mortgage guidelines.

Non-Qualified Mortgage (Non-QM) loan programs may provide financing options for buyers with unique financial situations, including self-employed borrowers, investors, or those exploring second homes or investment properties.

If you're exploring homeownership or property opportunities and aren't sure where you fit within traditional lending guidelines, it may be worth discussing your options.

07/21/2026

A jumbo loan exceeds standard mortgage limits, potentially allowing you to finance higher-value properties. While they offer access to luxury homes, they come with stricter credit requirements and higher rates. Knowing about jumbo loans helps you make informed decisions for high-value home purchases.

07/16/2026

What could you do with access to your home equity?

A home equity loan lets qualified borrowers access their home's equity in one lump sum with fixed payments. That might help you do things like:

✔ Buy an investment property
✔ Tackle a major home renovation
✔ Cover a large expense, like tuition or medical bills

What could your equity unlock for you?

07/14/2026

Dreaming about a place to escape to? 🏖️
Whether it's a vacation getaway or a second home for your family, now is a great time to explore your options.
If you're curious about what a second home could look like for you, send me a message-I'm here to help you get started!

10/20/2022