Over 1,000 Five-star reviews

The Rate You Want. The Service You Deserve.

Trusted Year Over Year, Referred Time and Again

Over 80% of Our Clients Refer Family and Friends

We offer the widest range of loan solutions, products and rates.

Providing Tailored Mortgages for 19+ Years

Top 1/10th of 1% Nationally per official rankings

#1 Mortgage Provider in Our State

Purchasing a Property?

Get your free same-day preapproval, a rate quote or just a second opinion to ensure you’re getting the best loan terms and advice possible. We have the solution tailored just for you.

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Looking to Refinance?

Get a lower rate, cash out or just a better mortgage than what you have now. Let our expertise ensure maximum benefits with minimal hassle.

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Need Equity Without Refinancing?

Whether its your primary residence, an investment property, or a second home, we offer options to access your equity seamlessly, without traditional refinancing.

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2024 Official #1 Loan Officer in the State


Tammy Saul, JD, MBA

Tammy Saul is the official #1 producing mortgage loan officer in her home state, in the top 5 individual mortgage brokers nationally, and the official #5 woman originator across all categories in the U.S.

Year over year, she is consistently recognized for her high level of production, superior customer service, expert industry knowledge and creative problem-solving acumen. Tammy has been featured in multiple publications including Mortgage Professional America Magazine, National Mortgage News, and Scotsman Guide. To this day, she continues to grow her business exponentially through word-of-mouth referrals.

Tammy’s goal is to simplify the mortgage process for her clients and to make the home loan process easy to navigate. She and her team thoroughly educate their clients through the mortgage transaction to ensure they fully understand all options and are confident with their chosen loan program. She also puts her clients ahead of the competition through her hyper-efficient ability to close loans in record time.

Tammy holds three degrees: a Bachelor of Arts in International Studies, a Master of Business Administration (MBA) from the University of Baltimore, and a Juris Doctor (J.D.) from the University of Maryland School of Law. She has been a licensed attorney since 2002. Above all else, as a 100% Ukrainian first-generation immigrant to the U.S., Tammy is a passionate champion of the American Dream of home ownership and entrepreneurship. She currently resides in Howard County, Maryland with her husband and two young children.
  • 2024: The official #1 Producing Loan Officer in her home state
  • First female to achieve State Champion ranking in Maryland
  • Holds degrees in International Studies, Business and Law

Conventional FHA VA USDA Jumbo Non-traditional Investor & Commercial Reverse Mortgage

We Finance It All

What Makes Us Unique

Why Choose Federal Hill Mortgage?

At Federal Hill Mortgage, our commitment goes beyond the ordinary. We've combined years of expertise with unparalleled service to provide you mortgage solutions tailored to your needs. Here's what sets us apart:

  • Expert Leadership:

Spearheaded by Tammy Saul, a licensed attorney with a two-decade-long track record in mortgage lending. We bring a wealth of knowledge to every transaction.

  • Nationwide Recognition:

Tammy stands in the elite top one-tenth of 1% of mortgage loan officers nationally. This is testament to our dedication and results.

  • Diverse Offerings:

From first-time homebuyers to self-employed borrowers, we've got you covered. Our extensive range of products ensures you find a fit, no matter your requirement.

  • Competitive Rates:

Our volume-driven approach means we regularly offer wholesale and deeply discounted rates. Discover why even those under contract switch to us for unmatched rates.

  • Always Reachable:

We understand your life doesn’t revolve around the 9-5. Whether it’s an evening, weekend, or holiday, our team is just a call away.

  • We pride ourselves on our diverse offerings, competitive rates, and the personal touch of expert leadership. Many lenders offer one-size-fits-all solutions, but at Federal Hill Mortgage, our solutions are tailored to individual needs, ensuring you get the best fit.

  • Absolutely! We specialize in creative solutions for self-employed borrowers, understanding the unique challenges and requirements you face. Our team is well-equipped to guide you through the process.

  • Switching is simpler than you might think. We often have clients transition to us for our lower rates, even when under contract. Contact us directly, and we'll guide you through the seamless process.

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Where We’re Licensed

Financing Dreams Across 7 States

  • Delaware
  • Maryland
  • North Carolina
  • Pennsylvania
  • Texas
  • Virginia
  • Washington D.C.


Not located in these states? Let us know and we'll connect you with a reliable partner from Federal Hill Mortgage.

SecureFlexible Streamlined

Get Cash Without Refinancing

Unlock the power of your home's equity without compromising your mortgage rate. With home equity at its peak, Federal Hill Mortgage presents a seamless solution to tap into that value for remodels, repairs, and more. Enjoy the added advantage of no out-of-pocket closing costs and, in many cases, skip the traditional appraisal. Ready to make the most of your home's potential? Apply now—it only takes 5 minutes!

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