Helping people make informed decisions about the best choice of mortgage financing is what we do best at Federal Hill Mortgage. Our goal is to provide you with exceptional service during every step of your home refinancing or buying process. 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 2020, Tammy was ranked #1 on the East Coast, #1 in Maryland, and #14th 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.
Most recently in 2020, Tammy was ranked #1 on the East Coast, #1 in Maryland, and #14th 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.
Reviews (22)
Meredythe Gray
Dec 26, 2021
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I've used Federal Hill Mortgage for financing two homes and also refinancing down to lower rates since 2010. Tammy and her employees have always been responsive and professional. They keep you informed about the process and any documentation that may be required. I will continue to do business with them and highly recommend them!
D. Mark
Dec 06, 2021
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Thus far, my husband and I have made 5 real estate purchases in our lives. Not one of those experiences have been anywhere near to our level of comfort and satisfaction that we've had with Federal Hill Mortgage. From the get go of our very first conversation with Tammy - on a Sunday afternoon (not expecting her to respond on a Sunday!) we immediately felt safe. This was the result of the knowledge and confidence she exudes in her profession. Purchasing a home is by no means a simple task and at times can be very stressful. Tammy's direct guidance as well as her team's continued support right to
Alaena M.
Nov 14, 2021
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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
Madyson Cox
Nov 07, 2021
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Like many people, starting the mortgage process was stressful and honestly a tad overwhelming. I spoke with Tammy Saul at Federal Hill Mortgage to get Prequalified. We had a very unique situation and every other Lender could not help us. She took her time and helped my husband and I thoroughly understand what we could afford and what to expect. Tammy was even able to provide a Preapproval letter for the home we found on the weekend! Once our offer was accepted, I thought the real stress would come. Thankfully, Tammy and her Team were in constant contact and made the entire process feel seamless
Marcia Simms
Oct 29, 2021
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I have never worked with a business owner who was more personable, kind and strategic-thinking than Tammy Saul! It was an absolute delight working with Tammy and her team on three mortgage transactions this year over six months. While home purchasing and refinancing existing/investment properties can be taxing and overwhelming, Tammy's knowledge and expertise made me and my partner more at ease. Tammy is an amazing conductor that successfully orchestrated our move-up home buying dreams.
I cannot recommend Tammy enough when you need to make a home purchase, or complete a cash-out refi transaction
I cannot recommend Tammy enough when you need to make a home purchase, or complete a cash-out refi transaction
David Xie
Oct 29, 2021
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From my very first contact with Tammy, I knew I made the right decision. Not only is she an expert in her field, but she’s also a licensed attorney, which gave me an even better feel for the process. I had already had a predetermined idea about what was going to be best for my financial situation, but Tammy was able show me a detailed breakdown on an Excel spreadsheet of my entire financial picture and, in turn, recommended an even better solution.
After the go ahead from me, it became obvious to me why Tammy is ranked as one of the top mortgage experts in the country. Her team. I was given
After the go ahead from me, it became obvious to me why Tammy is ranked as one of the top mortgage experts in the country. Her team. I was given
Adriana Bates
Oct 28, 2021
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Originally- I was referred to Federal Hill Mortgage to purchase our dream home! My real estate agent has a long standing relationship with them. Trusts them with all of her clients and I see why! The market is pretty competitive and since I had to sell my current home to purchase, we didn’t end up getting the house. 😢😢😢
However- throughout the entire process, Federal Hill ran payments and options with different purchase prices.
When we found out the seller did not go with our offer, Federal Hill refinanced us with no lender fees! No appraisal was needed and we’re saving 215.00 a
However- throughout the entire process, Federal Hill ran payments and options with different purchase prices.
When we found out the seller did not go with our offer, Federal Hill refinanced us with no lender fees! No appraisal was needed and we’re saving 215.00 a
Vy N.
Oct 23, 2021
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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
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
James Palilla
Jul 30, 2021
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This family owned business displays phenomenal customer service from top to bottom!! As a veteran, Tammy and team spent countless hours to ensure my VA loan interest rate was the lowest possible. Tammy’s professionalism, experience and due diligence ensured the easiest refinance you can imagine. Last week (2 months after closing), I was contacted by Federal Hill Mortgage to ensure everything was still going well, and if I ever need anything to contact them. I have referred many friends to this company, and will continue to do so from here on out!! If you want someone you can trust ….contact
Nisar Nadeem
Jul 20, 2021
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John Junior
Mar 20, 2021
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FOREX INVESTMENT I never believed my life will change in such a manner, i saw a review on a page about Mr Chris Crypto and before then i have never risk money doing anything online with anybody because i think i was so wise and never want to be cheated, but when i contacted him and he explained everything to me concerning trading and the profit i… can make within a week i was convinced to give a trial and why i risked to invest $500 was because i don't need to send him the money but to create and fund my trading account all by myself and give him the access to manage my trading account and
Emily Hale
Feb 09, 2021
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Kaitlyn Benner
Nov 23, 2020
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What can I say! I love them. Twice they went above and beyond to help us. First we weren’t sure we could even buy a house from a lender that saw our price range and kept saying no. We got hope and a year ago we fell in love and purchased our first home. Now we just finished refinancing and we couldn’t be happier. The process was explained to us clearly and any questions we had they always took the time to talk to us and make sure that we understood. 10/10 HIGHLY recommend.
Joe Cariola
Jun 30, 2020
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Mary McLain
Apr 03, 2020
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David Hare
Dec 07, 2019
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Edona H.
Mar 29, 2019
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Beth C.
Nov 30, 2017
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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!!
Alex B.
Sep 11, 2017
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Kristin S.
Apr 08, 2017
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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
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
Shayna F.
Jan 21, 2017
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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.
Cee L.
Sep 02, 2015
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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.
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.
