Jose Cardenas / The Federal Savings Bank

07/15/2023

It's an amazing opportunity to assist you in the homebuying process. This recognition by National Mortgage News humbly highlights what we can achieve together.

To making more great milestones a reality with you this year! It’s an honor to celebrate together.

07/14/2023

Ready for your dream vacation home? If your answer is yes, do you know the difference between a vacation home and an investment property? How about the ways the loan process may differ from the first one? Find out below!

Learn to understand the difference between a primary residence, second home, and an investment property when applying for a home loan.

07/12/2023

Want a safe return on investment? Then a Certificate of Deposit (CD) is the way to go! Our current interest rates make your money work for you without lifting a finger. Don’t know where to start? Visit our Learning Center to find out more below!

How does a Certificate of Deposit work? It is a smart way to save with a bank for a specified period of time, which might yield higher interest.

07/04/2023

Celebrating with fireworks and fiery grills! Happy Fourth of July!

04/01/2020

This is what I do it for. Thank you Mr. Laney! Full doc VA CTC’d in 14 days!

08/09/2019

Received this feedback from a client today in regards to their recent refinance. Thank you Mr. & Mrs. Campomenosi for putting your trust in me to help you with your refinance! If you or anyone wants to look at their options feel free to contact me.

“My wife and I can't say enough about how outstanding Jose was at every stage of the process! He was always available,always quick to respond to our questions,always helpful and always ready to offer sound advice that protected our interests.

We both believe that he was able to make us feel comfortable with a process we had never experienced and honestly were skeptical of to begin with. His calm,steady,fact based approach to getting us through the process, were factors that helped us have confidence in what he was saying that allowed us to stick with him and the program he was working on for us. THANKS JOSE! “

06/20/2019

The time is now! Feel free to contact me for a free quote.

Yields that have hit multiyear lows reflect the difficulties central bankers face in normalizing monetary policy after a decade of unusually easy money.

06/11/2019

Contact me today for an assessment to see if refinancing makes sense for you.

When the average U.S. rate for a 30-year fixed mortgage dropped to a 21-month low this week, it pulled almost 1 million more mortgage holders into the pool of homeowners who are refi eligible. There are now 6.8 million mortgage holders who would benefit from a refinancing, according to Black Knight.

05/29/2019

Happy to say today is my first day at The Federal Savings Bank! I’m now able to serve clients in all 50 states! With equity at an all time high & rates at a year low now is the perfect time to look at your mortgage options.

02/12/2019

This article reminds me of a conversation I had with a client over a month ago. He was in a 15 year fixed at 2.75% with 9 years left & wanted a lower payment. He was adamant about not adding years back on his mortgage. After really figuring out was his goals were we ended up going to a 30 year mortgage that paid off all his unsecured debt so he could use his savings to play the market. He still had the peace of mind knowing he could always put those savings back into his mortgage to pay it off faster if he wanted to.

Should you payoff your mortgage early or invest? This issue is far more complex than most writers understand. Here's the definitive guide.