Business Details
21 Years
experience
Trusted Mortgage Solutions in Baltimore, MD
Federal Hill Mortgage was founded in 2005 with a mission to make homeownership accessible to all by providing tailored mortgage solutions. Our approach centers on advocating for clients, shopping competitive rates, and offering comprehensive loan products from conventional to non-traditional options. Led by Tammy Saul, a licensed attorney and top-producing loan officer nationally, we combine legal expertise with financial acumen to simplify the mortgage process. Our team prioritizes transparency, empowering clients to make informed decisions while closing loans efficiently. With operations across seven states and recognition as the #1 mortgage provider in our state, we deliver personalized service backed by a 20-year track record.Our commitment extends beyond transactionswe champion the American Dream of homeownership and entrepreneurship for diverse communities. Clients benefit from our volume-driven pricing, which secures wholesale rates, and our 24/7 availability ensures support whenever needed. We specialize in creative financing for self-employed borrowers and investors, maintaining a client retention rate exceeding 80% through referrals. Our culture emphasizes collaboration, humility, and excellence, reflected in our team's dedication to both professional growth and client satisfaction. By merging innovation with traditional values, we continue to shape the future of mortgage lending while maintaining a steadfast focus on individual needs.
Services
Conventional Loans
FHA Loans
VA Loans
Home Equity Loans
Refinancing
Commercial Loans
Investor Loans
Jumbo Loans
USDA Loans
SBA Loans
Details
- Year established: 2005
Highlights and features
- Led by Tammy Saul, a licensed attorney and top 5% mortgage broker nationally.
- Recognized as the #1 mortgage provider in our state with 20+ years of expertise.
- Offer diverse loan products including specialized solutions for self-employed borrowers.
- Provide competitive rates through volume-driven pricing and wholesale partnerships.
- Available 24/7 to support clients during evenings, weekends, and holidays.
What people say
World-class experience
Saved a deal
Creative financing solutions
Quick responses
Exceptional efficiency
Services
Conventional Loans
Conventional fixed-rate loans provide stable interest rates and consistent payments throughout the loan term. Ideal for borrowers seeking minimal down payments and predictable financing, these loans cater to those with strong credit profiles. Our team simplifies the application process while ensuring competitive rates and flexible terms.
FHA Loans
FHA loans require as little as 3.5% down with lenient credit requirements, making them ideal for first-time buyers or those with lower credit scores. We streamline the qualification process while offering competitive rates and flexible underwriting standards to expand homeownership opportunities.
Home Equity Loans
Access up to 95% of your home's equity through fixed-rate home equity loans with predictable monthly payments. These loans provide lump-sum funding for renovations, debt consolidation, or major expenses while leveraging your property's value for favorable terms.
Refinancing
Refinance options help lower monthly payments, shorten loan terms, or access cash through equity. Our experts analyze current market conditions to identify savings opportunities while simplifying the transition process for existing homeowners.
Commercial Loans
Commercial and investor loan programs support rental properties, mixed-use developments, and business acquisitions. We offer flexible terms for real estate investors seeking to expand portfolios or finance large-scale projects across multiple property types.
People
Tammy Saul
President and Co-Founder
Tammy Saul, JD, MBA, is the #1 producing loan officer in Maryland and top 5% nationally. With three degrees and 20+ years in mortgage lending, she specializes in creative solutions for complex cases while maintaining a 95% client referral rate.
Ryan Saul
Co-Owner
Ryan Saul co-founded Federal Hill Mortgage with expertise in mortgage operations and client relations. His leadership focuses on strategic growth and maintaining the company's commitment to personalized service and industry innovation.
Marina Carchman
Operations Manager
Marina Carchman oversees daily operations with a focus on process efficiency and client satisfaction. Her 15+ years in mortgage management ensure smooth transactions while mentoring team members in best practices.
Renee Feingold
Processing Manager
Renee Feingold leads loan processing operations with attention to detail and timely execution. Her expertise in regulatory compliance and client communication contributes to the company's high closing success rate.
Joe Cariola
Director of Client Development
Joe Cariola manages client relations and business growth initiatives. His background in mortgage sales and team leadership strengthens Federal Hill's market presence while maintaining client-centric service standards.
Questions
What types of mortgage loans do you offer?
We provide conventional, FHA, VA, USDA, jumbo, commercial, investor, and home equity loans, along with specialized programs for self-employed borrowers and ITIN holders.
Can self-employed individuals qualify for mortgages?
Yes, we specialize in creative financing solutions for self-employed borrowers, using alternative documentation methods to verify income and ensure fair qualification standards.
How can I switch lenders if already under contract?
Contact us directly to discuss your current contract. Our team facilitates seamless transitions, often securing better rates while maintaining your closing timeline.
Do you offer home equity options without refinancing?
Yes, we provide HELOCs and HELOANs that let you access equity without altering your primary mortgage, including investor-specific programs with LLC registration options.
What states do you operate in?
We offer mortgage services in Delaware, Maryland, North Carolina, Pennsylvania, Texas, Virginia, Washington D.C., and Florida for home equity products.
Are your rates competitive with larger banks?
Our volume-driven approach secures wholesale rates that often beat traditional institutions, particularly for complex cases requiring specialized underwriting expertise.
