Update 3/16/2020: I just finished my third closing with Federal Hill Mortage two months ago. As anyone who has bought knows, house buying is not always smooth sailing. However, I continue to choose Federal Hill Mortage because Tammy Saul and her team are always committed to making sure they are doing 150%. With them on my team, the home buying process is a little more relaxed and I am always confident that I am surrounded by people who are trying to help me achieve my goal. This team is well-educated on home-buying and are always ready with a recommendation and a positive attitude, especially in these confusing financial times. That's why whenever anyone tells me they are thinking about buying a home, the first thing I say is "Have I introduced you to Tammy and her team?" Five stars all the way around. What a stellar team :) ----------------------------------- First time home buyer at 26 here. And I could not have done it without Tammy and Tiffany from Federal Hill Mortage! They were always available with answers for my million questions and filled with kindness. Tammy is very resourceful and just the go getter I needed on my team to make my dream a reality. Tiffany is so sweet and worked so quickly to help my transition be as smooth as possible. Thanks to them, I am spending the weekend picking out paint colors and furniture, all with a huge smile! I highly recommend Federal Hill Mortage. If you want results, they are the team you need. read more

Federal Hill Mortgage - Me closing four days early! - Mortgage Brokers Near Me - Baltimore, Maryland

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I would give 100 stars if I could! Federal Hill Mortgage is the most promising, reliable, and credible lender out there. Working with Tamm and her loan officers made this entire process easier than grocery shopping. I am an individual who requires much communication and many updates, and was never left in the dark. It was nice to know someone was taking such careful care and looking closely into all details of my file to know what I was referring to whenever I had a question. 10/10 recommend. read more

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Most Unprofessional experience with this company. The owner Tammy Saul meets and gets you signed up and then ghosts her clients. Doesn't even reply to mails after the deal is signed and actually curtly responds to not waste her time by copying her on emails pertaining to closure. She transfers your case to her incompetent minions without any upfront communication. Withholding information about rates offered include base points.. terrible experience with closing. New documents and requisites brought up 3 hrs prior to closing. No final CD provide till 12 hrs prior to closing and the. Leaving you with the stress to wire money on the last day. The list is endless. They don't care about you after signing you up. Stay away especially of you are a single investor family. If my trusted realtor had not intervened we wouldn't have closed on time due to this incompetent unprofessional company .. STAY AWAY FROM THEM..better to NOT CALL THIS SAUL.. they are predators. Just out to get thori money and give no importance to client relationships.. if you are an investor DO NOT have them on your team. read more

We originally chose them since they seemed more flexible (independently owned) and advertised a single flat ~$995 underwriting fee for each loan while offering similar low mortgage rates to other competitors. However, they turned our otherwise simple closing process into the biggest nightmare: 1) Lack of attention to detail - Despite the many emails/calls back and forth to correct various items on our loan summary, our loan officer was unable to correct the document. When he fixed one error, he would somehow create another error in another part of the document. He told us that the document was not important and was more for our own records, but our dismay, we were told by the title officer during closing that the document should have been filled as accurately as possible. 2) Cannot handle confidential information - The draft of our loan summary (containing personal info like employment, banking, addresses, social security numbers) was sent via email without encryption. We can understand if it was a one-time mistake, but even after we brought this up to management, a second loan officer sent out our SSN again without encryption. (My SSN/address/employment info was stolen shortly after that, and although it is hard to say whether it was a result of the Fed Hill Mortgage incident, they took responsibility and gave us funds to enroll in a credit monitoring service). Furthermore, our loan officer emailed our info to another one of their clients. When we called to let them know, he promptly sent it again to that same person rather than to me. 3) Do not adhere to deadlines/poor communication - We were given a draft of the closing disclosure a week prior to our closing date. We pointed out a discrepancy in the closing costs (an extra ~$2300 was added to the mortgage fee) prior to signing it, but our loan officer said "don't worry about that - the numbers will work themselves out". We asked for the final closing document to be sent on Thursday (Friday morning latest) to wire our money in time. However, on Friday morning, we contacted them and were told that they were still working on it. A few hours later, we STILL didn't hear back from them so we got the final numbers from our title company instead. I contacted Fed Hill Mortgage that afternoon, and they didn't send out the final amount until 4pm, which was after my bank's deadline for wiring in money. When reviewing the numbers, we saw that the numbers did not just "work itself out" from the initial closing disclosure, resulting in us overpaying $2300. When we called Fed Hill Mortgage during closing, they said that they had been aware of the closing cost discrepancy since Friday afternoon, and were planning to get that fixed. It was very hard to believe that they had been planning to fix this without us prompting them, given that they allowed us to proceed closing the following morning without sharing this info with us. We hope it was not a way to scam customers out of more money, but it certainly felt like that from our perspective. 4) Their attitude can be condescending/willing to lie rather than taking full responsibility for some of the issues that they created. Rather than being apologetic about some things, a loan officer tried to excuse his mistakes by saying he was busy doing a million things at once and feeding us lies in order to dismiss our concerns. We had him on speakerphone during closing, and the title officer and real estate agent were both shocked at both the level of unprofessionalism and his attitude when addressing the issues that we were bringing up. If he was truly so stressed that he cannot do his job accurately, either Federal Hill Mortgage should hire more employees to share the workload or offer better pay/benefits in order to hire higher caliber employees. We don't understand how most of their reviews are so positive. With so many mortgage lenders and brokers out there, why risk going with Federal Hill Mortgage and jeopardizing your closing process and sanity? read more

Tammy and her team are EXCELLENT!! My fiancé and I bought our first home almost 2 years ago and it was such a smooth process!! Tammy takes the time to answer any question you may have and being a first time homebuyer, I had tons! Currently I am refinancing with Tammy and have been working with Renee who is just incredible! She is crystal clear in communication and tells me where we are every step of the way!! They make this entire process easy as can be and I feel so safe and comfortable with them!! I HIGHLY RECOMMEND THEM!! read more

Federal Hill Mortgage - First time homebuyers!! - Mortgage Brokers Near Me - Baltimore, Maryland

My husband and I have worked with Federal Hill (Tammy) from April - Oct, 2015) to secure financing for our second home. We closed October 2, 2015! Tammy's wealth of knowledge benefited us and ensured that the closing process went smoothly. She was patient as we offered on more than eight homes prior to having an accepted offer. With each offer letter she also provided estimates on what our monthly payment would be. A important detail to highlight is that we choose not to use a realtor but Tammy made small suggestions when the sellers realtor was pushing one sided options. We would surely recommend working with Tammy to our friends, family and fellow Yelpers. read more

Federal Hill Mortgage - Thanks Federal Hill Mortgage! - Mortgage Brokers Near Me - Baltimore, Maryland

What an outstanding company! I've used them for a purchase earlier this year and most recently for a refi. There are a few things that stand out about Tammy, Hank, Jessica and the rest of the team. The first is that they are responsive. I didn't have to wait for their replies to my emails. Second, they're all excellent communicators. They demystify the mortgage process. Third, I appreciate their attention to details. That makes a big difference in financial transactions. To sum it up, I highly recommend Federal Hill Mortgage for their excellence and professionalism. read more

I couldn't have asked for a better brokerage!! Super patient with questions and they get stuff done and done quickly. I jumped ship in the MIDDLE of my deal from another company and FHM did about two weeks worth of work in two days and got me a better deal. Everybody always mentions Tammy, which she is great but part of what makes her great is her staff. Did I also mention that we also had another property that Tammmy got us a better deal on so we also refinanced? I didn't. Well there it is. For all our future needs this will be where we go. read more

This team works 24/7 for you. They are fast responsive and push to get you the best rate! I would highly recommend Tammy and Jessica. read more

Tammy and her team made my first time home buying process so smooth! From unlimited support and excellent timing with the pre-approval letter to such a smooth underwriting process...I am so happy with my experience. She will be highly recommended to everyone I know looking to purchase a home! read more

Federal Hill Mortgage - Happy homeowner! - Mortgage Brokers Near Me - Baltimore, Maryland

My husband and I worked with Tammy and her team two times. The first time (as first time home buyers), she was amazing and absolutely delightful to work with, especially communicating with us. The second time was dreadful. I am not sure if our loan was too complicated to handle or her team was just inadequate. We started talking to her and her team in July with an expected closing date of October. With 2 changes on our closing date, multiple calls and emails begging for more communication, and then a last minute loan servicer change (that spoiler alert we only found out about at our closing since they decided not to tell us of the switch), it was awful. Buying a house in a pandemic is already stressful but to deal with this headache, I wish we would have backed out earlier when we had a chance. We've had multiple friends buy houses around the same time in similar situations and not have this much of a headache. I hope this is just a fluke since we had such a great experience the first time, but I wouldn't recommend them to any of my friends. read more

Tammy and her team are wonderful. As first time homebuyers, we didn't know what we were getting into or what to look for but we were very fortunate to land working with Federal Hill Mortgage. They have been wonderful taking us through the process step-by-step and answering every (sometimes dumb) question we have. The Internet is a dangerous place when trying to figure it out on your way so HINT: don't do it. We are due to close on our home next Friday and honestly, there hasn't been one stressful moment in terms of the lending process. Tammy and Terri are EXTREMELY responsive and even referred us to the realtor that made our dream home happen. I absolutely recommend Federal Hill Mortgage! read more

My husband and I could not be happier with the service we received from Tammy, Tiffany, and the rest of the team at Federal Hill Mortgage. As first time home buyers we were a bit intimidated by the process, but from the first day Tammy made us feel comfortable and informed. Our choice to go with a local business rather than a big bank made all the difference for us! When we found the perfect home we knew offering a fast closing could be the difference between having our offer accepted and potentially losing out on our dream house. Tammy and Tiffany were able to get our mortgage approved within *30 days*, even while navigating brand new regulations that were slowing things down! Aside from their expertise, both Tammy and Tiffany were available day and night to answer any questions we could think of, gather information that was needed to keep things moving, and offer advice each step of the way. Their service never ended at the close of business and they were always patient with us as we worked through the complicated process. They really made a potentially stressful and burdensome experience very smooth and pleasant for us. They made our toddler feel at home in their office when she had to tag along with us, and even ran out to my car once to pick up a document so I wouldn't have to take her out in the rain! Less than a year after we bought the home interest rates dropped significantly and Tammy reached out to us about a no cost refinance that is now saving us almost $2000 a year! I cannot imagine this level of personal service could possibly exist from a large bank. We were thrilled to support a local Baltimore company, and even more thrilled with the excellent experience we had. We enthusiastically recommend Federal Hill Mortgage to anyone looking to buy a home. read more

FHM did an excellent job throughout the mortgage process. My loan processor, Renee, was super helpful, accommodating, and a great communicator. There were a few twists and turns with my loan and Renee handled them effectively and in a timely manner. I highly recommend FHM. read more

In times where "Customer Service" and "Customer Satisfaction" is nearly defunct, in comes Federal Hill Mortgage. For the ultimate experience when you need lending for your new purchase, you MUST try this company, where satisfaction is guaranteed. Their ability to treat each and every client in a prompt, courteous, and professional manner is fascinating. From minute one, Tammy exudes confidence. I highly recommend anyone use Federal Hill Mortgage service on their next purchase of a home. Sincerely, The Vila Group of Long & Foster Inc. read more

Tammy Saul is a client of mine. Let me quote what others say about her: "Professional. Personal Advocate. One of a kind. Heart of gold. Highly recommend her and her team! Fast and responsive 24/7. Best rates! Resourceful. Caring. She turned around our pre-approval letter same-night. With each offer letter she also provided estimates on what our monthly payment would be. Incredible! I could not be happier! Originally, we had Quicken Loans, but due to some sketchy activity and suggestion from our realtor, we switched to Federal Hill Mortgage with Tammy. I am so happy that we went with Tammy." I could go on and on. She's been doing mortgagees for years so she's seen it all and he can help you. If you want a local lender with competitive rates AND you want your loan to close on time then read the other great reviews she has and give her a call. read more

We are very impressed with how quick Tammy could get the job done. In this hot real estate market it was so nice to be able to call Tammy on a Saturday night and she would have the mortgage pre-approval letter ready to hand in with our offer by the next morning, if not that same night. We just closed on our house last week. We were in a rush to move in and get to our closing and Tammy got our loan processed for us in record time. LOAN ST read more

Tammy Saul is a consummate professional! Always a personal advocate for her clients, looking out for the BEST deal. She and her team rally together to make things happen seamlessly and expeditiously! She is truly one of a kind - a genuine person with a heart of gold!! I HIGHLY recommend Tammy and her team!! read more

FHM was THE reason I got into my house. Renee deserves a gold medal for tirelessly working on my mortgage to get me to closing on time. FHM exceeded every expectation. I cannot recommend them enough and am forever grateful for their hard work and helping me get my dream home for my family! read more

I used Federal Hill Mortgage when I bought each of my houses. Tammy is the best! She is very efficient, knowledgeable and extremely reliable. I wanted a house that was in high demand and she was able to send out the best people with the best negotiating skills to get us the house. Thank you so much Federal Hill mortgage. read more

I've known Tammy (the owner) for almost 10 years, and she's my go-to for mortgage questions. Since I've known her, she's expanded into VA loans, and she's big in the investment sector as well. Tammy knows her stuff and leverages her training as a lawyer to provide comprehensive advice. I've referred friends and family and all have been very satisfied with her service as well. Even if you don't use her company for a mortgage, she should be on your short list of people to call if you are looking for a mortgage in Maryland. read more

Tammy is the most narcissistic person I have ever met. She does not seem to care about her employees and her only focus is how much she will make off of a client at the end of the day. Not only is she unprofessional in every way possible but has no concept of people who do not live to work or do not always have the time to collect documents that she needs 'right this second'. She was rude and once she roped me in I was unable to reach her again. She was perfectly available getting my business but did a great job vanishing when I had other questions for her specifically. read more

Thank you yet again Tammy and staff for your assistance servicing my home mortgage needs. You have my highest recommendation! Detailed to the end.....and that is exactly how I like to be informed. Very passionate about your profession and to servicing your client's best interests in mind. *standing ovation and cheers! Seriously, thank you much again! And wishing you and your company's continual best in excellence of service! read more

What a great group of professionals, everyone there just seems so knowledgeable and willing to help in any way. I always felt respected and in good hands. Would highly recommend. read more

Tammy and her team know how to really take care of people. I would recommend them for all you mortgage needs!!!

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 promptly 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 provided every step of the way!!! read more

We just finished our refinance with Federal Hill Mortgage, and just like all of the other reviewers, we could not be happier. The entire process, from the time I reached out to them until the documents were signed, was pain-free (and quite informative). We were walked through every step of the process and every team member that we were in contact with was both helpful and pleasant. Initially, we were unsure of which option we wanted to move forward with, but Tammy was great in explaining each possibility and we were able to decide fairly quickly. She was able to give us preliminary quotes via phone/email before meeting with us or taking the full inventory of our information (others were not willing to do this). Once we chose our best option, it was as simple as following Tammy and Terri's lead until the closing date. Aside from the repetitiveness of the loan application process itself, we didn't run into any issues or annoyances the entire time. In addition to the truly exceptional customer service, we were given exactly what we were looking for when we started our search in the first place - a great rate with good terms. We actually ended up locking in a rate lower than the already low rate we were first quoted, and Tammy was able to take care of the additional numbers to where we were comfortable with everything. When all was said and done, we felt very fortunate to have found Federal Hill Mortgage. This process would have most definitely been more painful had we not worked with them. Also, we live in the neighborhood and it is always important to support local businesses... especially one of such high caliber. read more

Wonderful small business with an attentive owner who responds to what you need and fast. Would highly recommend.

Tammy and her team at Federal Hill Mortgage were incredible. As a first time home buyer every step of the process was new to me, Tammy took time to walk me through every step in detail, what I should expect, what options I had, and answered every question I had (which was a lot). The whole process of purchasing my home was absolutely seamless due to Tammy and her team. Both real estate agents at closing commented on how impressed they were with Federal Hill Mortgage and how they couldn't believe that they were able to get to closing so quickly! In addition, Tammy contacted me a few months later to let me know about my options to refinance given the market rates which ended up decreasing my monthly payments! That process was also seamless and I'm thrilled to have lowered my mortgage payment. A big thank you to Tammy and her team at Federal Hill Mortgage for getting us into our dream first home! read more

This company was a nightmare to work with. I chose them simply because of their high ratings online which was the worst decision I could have made. They lost documents that I provided them with, they ignored deadlines, and dodged my calls. They nearly cost me my house quite a few times. In the end we closed a week late on our house (after their assurances for weeks that we would close on time), due solely to their incompetence. You will call in to the office and be told Tammy is not available, meanwhile she will send you an email instead. Steer clear of this shady firm. read more

Good luck getting a response. Several days / weeks go by between responses. Tiffany and Emily fail to follow up in a timely manner. Take your business elsewhere. read more

I can't say enough great things about Tammy and Liz and the team at Federal Hill Mortgage. As a first time home buyer I had no idea what to expect. They expertly walked me through the process, found me a great loan, and helped me achieve the dream of homeownership. Most of all-- everything was easy. There were literally no problems. They made buying a home a smooth and happy experience. I will absolutely work with them again if I have the opportunity. read more

Federal Hill Mortgage - Tammy and Theresa - are professional, efficient and always helpful in the whole mortgage process. My situation had a twist or two, but Tammy and Theresa went above and beyond to ensure everything was in order, checking and double-checking on best rates and lender credits. They work very long hours, as obvious from very late emails, but also responded to any questions without hesitation. Tammy and Theresa were always professional and sincere, honest and upfront. I highly recommend Federal Hill Mortgage to purchase or refinance your mortgage --- they will not let you down!! read more

The mortgage company you choose can make or break you when investing in real estate. Luckily, I stumbled upon Fed Hill Mortgage and the owner Tammy. She is one of those businesses that you want to keep a secret because of they are really great, but you still want them to be successful and share your story. Her previous legal background and her passion for what she does makes her the perfect small business that is agile and able to quickly respond to ever-changing customer needs. We really appreciate the great job that she did with our investment property and would highly recommend her to anyone. read more

Phenomenal lending company! Tammy is the best mortgage banker I have ever encountered! I've had the pleasure of working very closely with her on successful purchases for clients. In my 12 years as a full-time real estate agent, before Tammy I dealt with many, many mortgage brokers and bankers. Several things set her apart from the rest. First and foremost is her in-depth knowledge of financing and real estate. Tammy answers questions with confidence and when she doesn't know the answer, she isn't afraid to admit it and then quickly finds the right answer. She is also extremely responsive to calls and emails, is always reachable and takes care of things in a very timely manner. One of the best things about working with Tammy is her personality. She is fun to work with! Tammy puts you at ease and has backup plans ready for any issues that may come up along the way. She is in it to get the deal done and do what is best for her clients while being an ethical, top notch professional! I refer everyone I know to her! Excellent Job! read more

Dealing with this organization was horrific. They did not deliver the product (re-fi) as promised. I paid for an unnecessary appraisal after they charged the appraisal fee to two different charge cards. Communication with the office was ineffective. They accepted the appraiser to use comps (not comps) of foreclosure properties to value my property without appealing. The only saving grace to this company is the owner, who unfortunately can not do it all by herself. There was paperwork coming from several banks as they sell the mortgage before sale is finished. I will not say I received this service because I was a single female of color but after putting out so much money I felt trapped. I can not wait to re-fi with a reputable company. They seem to only publish the 5 star reviews. read more

Tammy is by far the most knowledgeable person I have ever spoken to in the mortgage industry. I have multiple properties and have refinanced many times with many different companies, but I have finally found a company that is honest, competitive and understands my needs. I would recommend Federal Hill Mortgage to anyone without hesitation. read more

Tammy and the staff at Federal Hill Mortgage were awesome to work with! We were considering purchasing a home in 2015, and she helped us understand the process and answered all the questions we had along the way. Their customer service was second to none, and the response time for emails/phone calls/texts was incredible. Would recommend them to anyone looking to purchase a home in the Baltimore and surrounding area. Thanks Tammy! read more

I mainly dealt with Tiffany, Tammy's "processor". I went with this company when buying a new home based on all the positive reviews online, and I am very sorry that I did. My closing date was continuously pushed back until the point where I was literally in Maryland (moving from Rhode Island!) without anywhere to stay because the closing had been pushed back at the very last minute. I gave the company another try when I needed to refinance (to remove someone from the mortgage, no decrease in pay or loss of employment!) a year later, because they knew my situation and I wasn't any under serious time constraints (I wanted the refinancing done before the Fall, and I began the process in May). I foolishly expected that they would be able to handle a simple refinancing in a reasonable amount of time. I was dead wrong. It has now been MORE THAN 5 MONTHS since my initial request, and my refinancing is still not complete. The biggest problem is lack of communication. Tiffany will not e-mail you with any updates unless you constantly badger her for them, and her responses will be short and sometimes rude. Tammy originally tried to assuage the situation and now has been quite literally ignoring me (three weeks since the last e-mail). I do not trust this company, and I would certainly never recommend them to anyone. As a side note, Tammy originally seemed very helpful when I first moved to Maryland. She helped me sign up for TV, Internet, and an energy provider (Xoom) through an individual sales account of sorts (acndirect.com, if you're curious). I was glad that she could help because I knew nothing of the area. I have recently realized that the services were NOT great deals as she originally sold them, and I've since been locked into a 2 year contract that I'm not interested in. When I brought this to her attention, she agreed to help me break the contract with no cost to myself, which was wonderful. However, she then tried to offer me "extra" for my patience, which I was not interested in. Since explaining this to her, she has ignored me. While I'm not an expert on financial matter such as these, I feel as though I was being bribed. I hope that this review will help others avoid the painful process that I had to endure with Federal Hill Mortgage. read more