Federal Hill Mortgage Light St, Baltimore

The best in the business, I have completed several transactions with Federal Hill Mortgage. They are always my #1 choice. A big thanks to the dream team Tammy, Missy, Rob and Joe.

A few months ago, my husband and I began the journey towards home ownership, and it started with a call to Federal Hill Mortgage. Tammy managed our case and helped us with the first step: the pre-approval letter. We gave her a call on a Monday, and we had the letter on Friday. The turn-around from our first call to pre-approval was incredibly fast and very important. We had found a house and did not want to lose to opportunity to put in an offer. A few days later, our offer was accepted! We were ecstatic! But then we ran into a bit of a problem: the sellers wanted a faster than average closing date, which all hinged on the loan being ready. Tammy and Liz were not only willing to get us the loan quicker, they were undaunted. It was all going great until two and a half weeks before the closing date. There were some appraisal issues and the underwriter decided to not continue with our loan. My husband and I were very worried that we would not be able to close on time. We had given notice in our apartments and had everything ready to move. Tammy and Liz again stepped up to the challenge. We began the process with a new underwriter. Somehow, Tammy and Liz had everything ready to close on time. On the big day, everything went smoothly and we became homeowners! It could not have happened without the team at Federal Hill Mortgage.

I loved working with FHM. I can honestly say that with my purchase, if it could wrong it did, but FHM kept it all in stride and made sure we closed on time. Not only did we close on time, but we closed early, and that was them taking over after I was already two weeks in after my offer! Customer service was great. Whenever I would send an email, they will get back to me quickly. And didn't seem to mind answering any of my questions. FHM seemingly had my best interest at heart. I don't have the time it takes to write about our experience with FHM, but there are no complaints here. I would definitely use FHM, to close on any other houses in the future.

Thank you Tammy for making the loan process so much easier than we expected!! You and your team were great and always available to us and giving us regular updates. Thank you!

My wife and I met Tammy through our agent. Tammy is so professional and extremely knowledgeable- as first time home buyers we needed someone who understands the process - and who has the patience and skill to guide us. Miss Tammy is all this and more - we highly recommend this lovely lady !!! 10 out of 10!!!

I decided to contact Tammy after reading all of the awesome reviews. I talked to her initially over the phone and she seemed very knowledgeable. She stated that she offers 99% of the 1st time homebuyer programs that you see online. I gave her all my information and she came back with a really low pre-approval amount. After giving her some more documentation, she came back with an acceptable amount but said that I didn't qualify for any 1st time homebuyer programs because my DTI is so high (my DTI ratio is 12% btw). I thought that it was really strange because I am a prime candidate for those programs. I ended up speaking to another lender and I received a higher pre-approval amount and he told me I qualify for a couple of different programs. I am unsure which programs Tammy works with but it cannot be 99%. Also, she stated that her firm can only offer loan exceeding $150,000 and if I wanted less than that she would recommend another lender as to not waste either of our time. I found that really strange and something that you probably shouldn't say to an applicant. I informed Tammy that I could not take the loan if I didn't qualify for 1st time homebuyer assistance and she never responded. I understand that I may not be doing business with you now but if you show professionalism and courteousness I may would have returned when I want to purchase my next home. My advice to 1st time homebuyers and individuals who may qualify for less than $150,000, go elsewhere.

Just wanted to say what a pleasure it was to work with everyone at Federal Hill Mortgage (Tammy, Joe, Todd, and Renee). It feels like working with a friendly mom-and-pop business, not a mortgage company. I'll be sure to recommend you to friends who are buying houses.

Buying a home is a labor of love, monetarily and emotionally! I can not say enough about the customer service we received at Federal Hill Mortgage! Their diligence and work ethic are truly first rate. Everyone there made the process of buying our new home seamless and stress free. Thank you Federal Hill Mortgage, it is evident that you care about what you do! We would be remiss if we didn't especially thank Tammy Saul and Jessica Miskimon, you do amazing and tireless work! The Branham Family

The most wonderful company I've ever had the pleasure of working with. An excellent group of people who are experts at what they're doing. Tammy Saul is the most knowledgeable loan officer I have ever met. I would recommend them in a heartbeat.

Over the last 5 years we have processed two mortgages and two refis with Federal Hill Mortgage. All four transactions have gone very smoothly and closed on time. Tammy and her staff are professional, responsive, and on their game. Most importantly, they will get you the lowest possible rate available. You will not be disappointed!