Bill Haga NMLS 228233, Vice President

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Bill Haga NMLS 228233, Vice President

Vice President, NMLS #228233

The Federal Savings Bank is a member FDIC & Equal Housing Lender, Co. NMLS # 411500. Contact me today to get started.

For licensing information, go to nmlsconsumeraccess.org. Bringing over 23 years of experience in the mortgage industry! Buying a house means more than finding a place to live. It’s one of the biggest financial decisions you’ll ever make—but you don’t have to go at it alone. As your home loan advisor, I am genuinely interested in your financial success. I want to listen to your story and understand your financial goals. From there, I can build a personalized mortgage solution for your unique needs. Flagstar Bank has more than 600 different home loans available, so we are certain to have the right mortgage for nearly every situation. With over 30 years of experience in home lending, Flagstar knows what it takes to get you to closing as quickly and as smoothly as possible. I will keep you informed every step of the way to give you peace of mind about your new home. Whether you are moving around the corner or across the country, you can rely on me as a trusted resource. I have a deep understanding of the local housing market, and I can originate loans in all 50 states. After you buy your home, contact me when it’s time to refinance, remodel, or buy a second home. And if you’re an investor, I can build a competitive mortgage to finance your investment properties.

11/02/2026

In this market update, Bill Haga of The Federal Savings Bank breaks down the Federal Reserve's decision to leave its benchmark interest rate unchanged and highlights several key interest rate figures discussed at the time of recording.

Here's what Bill covers:
- Federal Reserve benchmark rate: Held at 3.75%–4.00%
- Bank prime loan rate: 7.00%
- Discount window primary credit rate: 4.00%
- 30-year fixed mortgage rate: Approximately 7.25%
- 15-year fixed mortgage rate: Approximately 6.60%
- 10-year rate: Approximately 5.00%

Bill also discusses the upcoming December 8–9 Federal Reserve meeting and what investors and consumers would be watching next.

Remember, the Federal Reserve does not directly set mortgage rates. Mortgage rates are influenced by several economic factors and can move independently of the Fed's benchmark rate.

Are you watching interest rates before making your next real estate move?

Bill Haga
Vice President of Sales
The Federal Savings Bank
NMLS #228233
Direct: (630) 869-1531
Call/Text: (708) 369-6436
Email: [email protected]
Website: www.thefederalsavingsbank.com/billhaga

The rates and market commentary mentioned reflect conditions at the time of recording and are historical, not current rate quotes.

NMLS #228233. The Federal Savings Bank is an Equal Housing Lender & member FDIC. NMLS #411500. Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.
The Federal Savings Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, s*x, s*xual orientation, gender identity, national origin, disability or status as a protected veteran.

11/02/2026

Before you start touring homes, a little preparation can help you shop with more context. 🏡

I encourage buyers to look beyond the listing price—consider your monthly budget and other ownership expenses, gather the documents you may need, and understand which financing options could fit your goals.

Knowing the bigger picture before you make an offer can help you approach your home search with more clarity. If buying a home is on your radar, let’s talk through what to consider before you start shopping.

10/30/2026

🏡 Buyers With Lower Credit Scores May Still Have Options!

Have clients who want to buy a home but don't qualify for certain down payment assistance programs? Don't assume they're out of options.

In this episode of Creating New Opportunities, Bill Haga discusses how an FHA loan with a 3.5% down payment, paired with an eligible grant program, may help some buyers move closer to homeownership.

He highlights a three-year forgivable grant structure, which may allow the grant to be forgiven if the borrower meets the program's conditions throughout the required period.

For real estate professionals, understanding these options can help you have more informed conversations with buyers whose credit scores or financial circumstances make qualifying more challenging.

The takeaway: Before counting a buyer out, explore which financing programs they may qualify for.

Have buyers who need help understanding their options? Connect with Bill Haga to discuss available mortgage programs.

Bill Haga | Vice President of Sales
Direct: (630) 869-1531
Call/Text: (708) 369-6436
Email: [email protected]

NMLS #228233. The Federal Savings Bank is an Equal Housing Lender & member FDIC. NMLS #411500. Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.
The Federal Savings Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, s*x, s*xual orientation, gender identity, national origin, disability or status as a protected veteran.

10/30/2026

Your home equity may give you more options for what comes next. 🏡
A home equity line of credit (HELOC) may provide access to available equity during a set draw period for eligible expenses, from home improvements to other financial needs.
If you’re wondering what your available equity could mean for your plans, let’s talk about the options that may be available to you.

*Subject to credit approval. Terms and conditions may apply. Property insurance is required. A HELOC is a revolving line of credit secured by your home. Borrowers can draw upon the credit as needed during the Draw Period and are only required to pay interest on the amount borrowed. Upon submission of a full application, a mortgage banker will review and provide you with the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.

10/30/2026

🏡 Real Estate Professionals: Your Next Closing Could Start With a Conversation You Haven’t Had Yet!

Happy Friday, boss ladies!

In this episode of Creating New Opportunities, Bill Haga shares a reminder for real estate professionals: growing your business isn't always about finding new leads. Your past and current clients may be a valuable place to start.

From earning that next pre-approval to getting another deal clear to close, staying connected with your clients and understanding their changing needs can help you uncover new opportunities.

Bill also introduces a discussion about the latest Federal Reserve meeting and highlights how The Federal Savings Bank's range of mortgage programs may help eligible borrowers explore financing options.

A question to consider: Have you checked in with your past clients lately? One conversation could open the door to a new opportunity.

Connect with Bill Haga to learn more about mortgage programs that may help you serve your clients.

Bill Haga | Vice President of Sales
Direct: (630) 869-1531
Call/Text: (708) 369-6436
Email: [email protected]

NMLS #228233. The Federal Savings Bank is an Equal Housing Lender & member FDIC. NMLS #411500. Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.
The Federal Savings Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, s*x, s*xual orientation, gender identity, national origin, disability or status as a protected veteran.

10/29/2026

🏡 Homeownership May Be Possible Even If You're Not a First-Time Buyer.

Think down payment assistance is only for first-time homebuyers or people who fall within certain income limits? Some programs may offer more flexibility than you expect.

In this video, Bill Haga discusses a grant program that may help eligible buyers cover the upfront costs of purchasing a home. He explains an example involving a $500,000 home, where a 3.5% down payment would equal $17,500.

He also describes a 10-year forgivable grant structure that includes a monthly payment, with the payment calculated based on the program's terms. For buyers living on Social Security or other fixed income, understanding the full payment structure is especially important when deciding whether a program fits their budget.

The takeaway? Don't assume you're ineligible for assistance just because you've owned a home before or don't fit the typical first-time buyer profile. Ask about the specific program requirements and costs.

Want to explore mortgage programs that may fit your situation? Connect with Bill Haga.

Bill Haga | Vice President of Sales
Direct: (630) 869-1531
Call/Text: (708) 369-6436
Email: [email protected]

NMLS #228233. The Federal Savings Bank is an Equal Housing Lender & member FDIC. NMLS #411500. Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.
Subject to credit approval. Terms and conditions may apply. Subject to VA eligibility requirements. Property Insurance is required on all loans secured by property. Down payment assistance requirements are based on the mortgage insurer or guarantor’s guidelines. Borrower may fund down payment and closing costs through (specific program’s) Down Payment Assistance Program, which provides eligible homebuyers purchasing a home in (specific state) with (specific amount).

10/28/2026

One word that comes up often during the homebuying process: appraisal. 🏡

An appraisal provides an opinion of a property’s value and may take the home itself, market data, and comparable sales into consideration. And while both can be part of the homebuying process, an appraisal is not the same as a home inspection.

Mortgage terminology can add up quickly. Have a word you keep hearing? Ask your mortgage banker.

10/27/2026

🏘️ Real Estate Investors: What If Your Capital Could Take You Further?

What if you could expand your real estate portfolio without needing to double the cash you bring to the closing table?

In this video, Bill Haga discusses how alternative portfolio lending options may help eligible investors explore opportunities to acquire more properties while making strategic use of their available capital.

He also challenges investors to think beyond purchasing and renovating existing single-family homes. Depending on their goals, budget, and experience, building a new multifamily property—such as a four-unit building—could be another strategy worth evaluating.

The big idea? Think strategically about how you deploy your investment capital, compare your financing options, and consider which property strategy aligns with your long-term goals.

Every investment comes with risks, and financing terms, down payment requirements, and property eligibility vary.

Are you working with real estate investors who want to explore new ways to grow their portfolios? Connect with Bill Haga to discuss available financing options.

Bill Haga | Vice President of Sales
Direct: (630) 869-1531
Call/Text: (708) 369-6436
Email: [email protected]

NMLS #228233. The Federal Savings Bank is an Equal Housing Lender & member FDIC. NMLS #411500. Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.

10/26/2026

🏡 Can Your Assets Help You Qualify for a Bigger Mortgage?

What if your clients have substantial assets but their traditional monthly income doesn't reflect their full financial picture?

With an asset depletion program, eligible borrowers may be able to use qualifying assets to help establish income for mortgage qualification.

In this example, Bill Haga explains how a borrower with more than $2 million in assets could have a portion of those assets remaining after the down payment, closing costs, and required reserves are accounted for. Under the program's calculation, the remaining eligible assets are divided over 180 months to determine qualifying monthly income.

That can make a significant difference in how a borrower's purchasing power is evaluated—and may open the door to more property options.

The takeaway for real estate professionals: Don't assume a client's income tells the whole story. Understanding available mortgage programs may help you explore additional options for qualified buyers.

Have clients with substantial assets who want to explore their home financing options? Connect with Bill Haga.

Bill Haga | Vice President of Sales
Direct: (630) 869-1531
Call/Text: (708) 369-6436
Email: [email protected]

NMLS #228233. The Federal Savings Bank is an Equal Housing Lender & member FDIC. NMLS #411500. Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.

10/26/2026

Escrow is one of those mortgage terms you may hear often—but what does it actually mean? 🏡

An escrow account may collect portions of certain housing expenses, such as property taxes and eligible homeowners insurance costs, along with your mortgage payment. When covered bills are due, the servicer generally uses the available funds to pay them.

Requirements can vary by loan program, so understanding how escrow applies to your mortgage can help you know what to expect.

Have questions about escrow? Reach out to your mortgage banker.

Address

2907 Butterfield Road, Ste 200
Oak Brook, IL
60523

Website

http://BillHaga.com/

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