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 * 1 (800) 551-9198
 * 1240 Key Hwy, Baltimore, MD 21230

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 * Home
 * Products
   * Conventional Loans
   * FHA Loans
     * Maryland
     * Pennsylvania
     * Virginia
   * VA Loans
   * USDA Loans
     * Maryland
     * Virginia
 * Testimonials
 * About
   * Service Areas
 * Tools
   * Mortgage Calculators
     * Maryland Mortgage Calculator
     * Virginia Mortgage Calculator
     * DC Mortgage Calculator
     * Pennsylvania Mortgage Calculator
   * Mortgage Rates
     * Maryland
     * Pennsylvania
     * Virginia
   * Resource Hub
 * Contact

Menu
 * Home
 * Products
   * Conventional Loans
   * FHA Loans
     * Maryland
     * Pennsylvania
     * Virginia
   * VA Loans
   * USDA Loans
     * Maryland
     * Virginia
 * Testimonials
 * About
   * Service Areas
 * Tools
   * Mortgage Calculators
     * Maryland Mortgage Calculator
     * Virginia Mortgage Calculator
     * DC Mortgage Calculator
     * Pennsylvania Mortgage Calculator
   * Mortgage Rates
     * Maryland
     * Pennsylvania
     * Virginia
   * Resource Hub
 * Contact

Apply Now
Access My Equity

NEED HELP? CLICK TO CALL US TODAY!


HOME FINANCING, MADE SIMPLE.

#1 Ranked Mortgage Broker and Lender on the East Coast

Same-Day Pre-Approval
Refinance Analysis

# 1
Ranked in Maryland
# 11
Nationally Ranked
541 +
Families Helped in 2022
$ 181 Mil
Loans Closed In 2022


HOME FINANCING, MADE SIMPLE.

#1 Ranked Mortgage Broker and Lender on the East Coast

Same-Day Pre-approval
Refinance Analysis

# 100
Ranked in Maryland
# 100
Nationally Ranked
0 +
Families Helped in 2022
$ 0 Mil
Loans Closed In 2022


HOME FINANCING, MADE SIMPLE.

#1 Ranked Mortgage Broker and Lender on the East Coast

Same-Day Pre-approval
Refinance Analysis

# 100
Ranked in Maryland
# 100
Nationally Ranked
0 +
Families Helped in 2022
$ 0 Mil
Loans Closed In 2022


WELCOME TO FEDERAL HILL MORTGAGE

At Federal Hill Mortgage, we help individuals and families make informed choices
on mortgage financing while facilitating the best interest rates to purchase or
refinance any property: the home of their dreams, an investment property, a
multi-family property, second home or even commercial property.




WELCOME TO FEDERAL HILL MORTGAGE

At Federal Hill Mortgage, we help individuals and families make informed choices
on mortgage financing while facilitating the best interest rates to purchase or
refinance any property: the home of their dreams, an investment property, a
multi-family property, second home or even commercial property.




WELCOME TO FEDERAL HILL MORTGAGE

At Federal Hill Mortgage, we help individuals and families make informed choices
on mortgage financing while facilitating the best interest rates to purchase or
refinance any property: the home of their dreams, an investment property, a
multi-family property, second home or even commercial property.





WATCH FEDERAL HILL MORTGAGE ON CNBC'S FINANCING THE AMERICAN DREAM


Watch Video


QUICK APPLY

Get pre-approved today with one of our experts to shop for your home confidently

Apply Now


PURCHASE

Ready to purchase a home? Apply now for a loan from Federal Hill Mortgage.

Apply Now


REFINANCE

Want to refinance your home? Apply now to get the best refinance rates for you.

Apply Now


HOME EQUITY PRO SOLUTION

Access your home equity without needing to refinance and change your rate.

Apply Now


QUICK APPLY

Get pre-approved today with one of our experts to shop for your home confidently

Apply Now


PURCHASE

Ready to purchase a home? Apply now for a loan from Federal Hill Mortgage.

Apply Now


REFINANCE

Want to refinance your home? Apply now to get the best refinance rates for you.

Apply Now


HOME EQUITY PRO SOLUTION

Access your home equity without needing to refinance and change your rate.

Apply Now


MORTGAGE SOLUTIONS THAT MAKE SENSE

At Federal Hill Mortgage, we’re committed to ensuring you receive mortgage
solutions that make sense. We demystify what may seem like a complicated process
and help you explore options that best suit your budget, your family, and your
future.

As comprehensive mortgage lenders and brokers, we expedite the mortgage process
in the best interest rate. For 17 years now and growing strong, we’re proud of
the impact we’ve created on the lives of home buyers across Maryland, Virginia,
Pennsylvania, and DC.

 
Our Services
Areas of Service



MORTGAGE SOLUTIONS THAT MAKE SENSE

At Federal Hill Mortgage, we’re committed to ensuring you receive mortgage
solutions that make sense. We demystify what may seem like a complicated process
and help you explore options that best suit your budget, your family, and your
future.

As comprehensive mortgage lenders and brokers, we expedite the mortgage process
in the best interest rate. For 17 years now and growing strong, we’re proud of
the impact we’ve created on the lives of home buyers across Maryland, Virginia,
Pennsylvania, and DC.

 
Our Services
Areas of Service


MORTGAGE SOLUTIONS THAT MAKE SENSE

At Federal Hill Mortgage, we’re committed to ensuring you receive mortgage
solutions that make sense. We demystify what may seem like a complicated process
and help you explore options that best suit your budget, your family, and your
future.

As comprehensive mortgage lenders and brokers, we expedite the mortgage process
in the best interest rate. For 17 years now and growing strong, we’re proud of
the impact we’ve created on the lives of home buyers across Maryland, Virginia,
Pennsylvania, and DC.

Our Services
Areas of Service


EXPLORE OUR LOAN OPTIONS


CONVENTIONAL HOME LOANS



Our conventional home loan service will help you finance the home of your dreams
with a variety of mortgage options tailored to you.




REFINANCE



Refinancing is a big step for homeowners. We’re here to help make sure you
accomplish your refinancing goals with a great rate and expert advice. 




PRE-APPROVAL



Pre-approval quick apply allows you to shop smart. Our fast and efficient
pre-approval process means you have a clear price range to shop at, and allows
you a leg up against your fellow home buyers. 




HOME EQUITY PRO SOLUTION



Access your home equity without refinancing. 




FHA LOANS



With an FHA Loan, the home buying process may be more affordable than you had
thought. Get access to a reduced down payment with the help of an FHA Loan. 




VA LOANS



Our brave veterans and active service members represent the best our country has
to offer. A VA Loan helps make veterans’ home owning dreams possible with
assistance options such as no down payment, and more. 




USDA LOANS



Enjoy the quiet life with loan assistance for purchasing qualified properties in
rural communities via USDA loans. 




CONVENTIONAL HOME LOANS



Our conventional home loan service will help you finance the home of your dreams
with a variety of mortgage options tailored to you.




REFINANCE



Refinancing is a big step for homeowners. We’re here to help make sure you
accomplish your refinancing goals with a great rate and expert advice. 




PRE-APPROVAL



Pre-approval allows you to shop smart. Our fast and efficient pre-approval
process means you have a clear price range to shop at, and allows you a leg up
against your fellow home buyers. 




FHA LOANS



With an FHA Loan, the home buying process may be more affordable than you had
thought. Get access to a reduced down payment with the help of an FHA Loan. 




VA LOANS



Our brave veterans and active service members represent the best our country has
to offer. A VA Loan helps make veterans’ home owning dreams possible with
assistance options such as no down payment, and more. 




USDA LOANS



Enjoy the quiet life with loan assistance for purchasing qualified properties in
rural communities via USDA loans. 



More Services


ABOUT FEDERAL HILL MORTGAGE


MEET TAMMY SAUL, JD, MBA

Tammy Saul, founding member of Federal Hill Mortgage in 2006, is an
award-winning loan originator who has been recognized as a top producer
nationally since 2016. Most recently in 2022, Tammy was ranked #1 on the East
Coast, #1 in Maryland, and #11th nationwide across several hundred thousand loan
originators. She earned her MBA from the University of Baltimore in 1999 and her
Juris Doctor (JD) from the University of Maryland in 2001. To this day, Tammy
continues to hold her license to practice law but chooses to do what fulfills
her most: making the American Dream of homeownership possible through sound,
honest, reliable and professional mortgage planning of the highest caliber.


ABOUT FEDERAL HILL MORTGAGE


MEET THE TEAM LED BY TAMMY SAUL, JD, MBA

Tammy Saul, founding member of Federal Hill Mortgage in 2006, is an
award-winning loan originator who has been recognized as a top producer
nationally since 2016. Most recently in 2022, Tammy was ranked #1 on the East
Coast, #1 in Maryland, and #11th nationwide across several hundred thousand loan
originators. She earned her MBA from the University of Baltimore in 1999 and her
Juris Doctor (JD) from the University of Maryland in 2001. To this day, Tammy
continues to hold her license to practice law but chooses to do what fulfills
her most: making the American Dream of homeownership possible through sound,
honest, reliable and professional mortgage planning of the highest caliber.


WE WILL HELP YOU EVERY STEP OF THE WAY

Welcome to your one-stop resource for mortgage loans.|


Helping people make informed decisions about the best choice of mortgage
financing is our specialty. 

Whether you’re looking for a loan, want to get prequalified, need to understand
the loan process or just want a free consultation with a loan expert, we’re here
to help.

WHAT PEOPLE SAY ABOUT US


CLIENT TESTIMONIALS

Read More
"Tammy and Tiffany are the ultimate team. Since I have done mortgages in the
past with them, they made it easy to provide what is needed for processing. They
got me an awesome rate on an investment property and made the process totally
smooth. I will continue to refer people and do all of my loans with them."
Eric Blonquist

"Finding commercial real estate financing in the current environment is really
difficult. Many people have given up. We were recommended to Tammy by a friend
and she was able to introduce us to a lender. She followed up diligently to
ensure that the transaction went through without incident. We wouldn't hesitate
to use her again."
Mark A. GrossOwner, Linestanding.com

"Hands down, this is the best, and most helpful company you could choose to help
you finance your home. From start to finish, Tammy and staff offer the most
professional advice, are promtly responsive to emails, and will work with you
every step of the way to ensure financing is secured with the lowest interest
rate possible. Tammy does a fabulous job answering any and every question about
this often challenging and frustrating process. With so many changes to mortgage
laws and all of the documentation required to secure financing, you won't be
disappointed by the assistance they provide every step of the way!!!"
Daniella HerdmanBaltimore, MD

"We have been working with Tammy from Federal Hill Mortgage for several years
and have a great working relationship. As real estate investors primarily
investing in Baltimore, we value the expertise Tammy brings to our team in
helping us obtain financing for properties we purchase for resale and for
hold/rent. We consider Tammy a valued member of our team and look forward to
doing more deals with FHM in the future."
Dan Stebbins

"Tammy was very helpful with my refinance. She made the process simple and she
got it done! I will be using Federal Hill Mortgage again for any new purchases."
April Mitchell

"Let me first start off by saying Tammy is a godsend to the lender community. I
honestly do not know what I would have done without her assistance on a recent
refinance. When all other lenders said no (and I truly mean all others said
no).... Tammy and Federal Hill said yess!! She put in countless hours to get my
loan to closing even when it meant working late hours and weekends. I am
positive I will work with Tammy and Federal Hill Mortgage again in the near
future. I have already raved to my friends and family about my experience and
recommended that they too should use Federal Hill Mortgage for their future
lending needs. Thanks again Tammy!"
Marcus Hill

"Tammy is the best in the business. Tammy and her staff bring it all to the
table during a real estate transaction: excellence, education, experience,
precision, respect, and a rare dedication to serving people promtly. Tammy
actually researches each borrower's situation-and then she charts the course to
a successful closing. I am impressed with her. Tammy answered my initial
distress call late one Sunday, we had never worked together before. Within five
minutes she knew the facts of my transaction and provided recommendations. I was
sold on her immediately. My clients decided to work with her after another
lender failed to perform on time. There is absolutely no comparison, Tammy and
Tiffany do a flawless job!"
Norine ThomasRe/Max 100 Columbia

"Many of my clients use Tammy for their hard to place loans. Simply put, she has
access to companies that other mortgage brokers do not and has a reputation of
getting them done in a timely and professional manner."
Steven LurayPresident/Agent, Luray Insurance Agency

"Tammy and Tiffany are an excellent team. As a new resident to the Maryland
area, they took the time to explain the mortgage process and kept us informed
each step of the way. The team was very professional and responsive to any
questions and concerns we had. I would highly recommend their services to
anyone."
AD & Sadia ArnoldCEO

"I had the pleasure of working with both Tammy and Tiffany. They were both an
absolute delight to work with. They both always made me feel like I was the
companies most important client. They were very pleasant and knowledgeable. I
would recommend Federal Hill Mortgage!"
Teresa Garner

"Tammy and Tiffany are the ultimate team. Since I have done mortgages in the
past with them, they made it easy to provide what is needed for processing. They
got me an awesome rate on an investment property and made the process totally
smooth. I will continue to refer people and do all of my loans with them."
Eric Blonquist

"Finding commercial real estate financing in the current environment is really
difficult. Many people have given up. We were recommended to Tammy by a friend
and she was able to introduce us to a lender. She followed up diligently to
ensure that the transaction went through without incident. We wouldn't hesitate
to use her again."
Mark A. GrossOwner, Linestanding.com


Federal Hill Mortgage |1240 Key Hwy, Baltimore, MD 21230|1 (800) 551-9198



Federal Hill Mortgage Company, LLC (aka “FHM”) is licensed by the Maryland
Commissioner of Financial Regulation as License # 13876, by the Virginia State
Corporation Commission as License # MC-4455, by the Pennsylvania Department of
Banking and Securities as License # 45125 and by the District of Columbia
Department of Insurance, Securities, and Banking as License # MLB176351.

NMLS Consumer Access | https://www.nmlsconsumeraccess.org

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