Sound, reliable mortgage advice.
Personalized, professional service.

I strongly recommend Tammy and her team to serve your mortgage needs based on her in-depth knowledge of the mortgage industry, creativity in financing options, and a customer service that is exemplary in both response time AND respect of the customer. My husband and I have worked with Tammy on both a refinance and a new mortgage. Due to education related expenses which caused some late payments, our credit score was what was considered “below average”. It was such a source of embarrassment for us as we tried to get out from these financial pressures and Tammy always treated us with such dignity. Above all, her confidence in securing our re-fi and new mortgage was a gift to us at a time when we felt very unsure and overwhelmed. She gave us different options and carefully explained the pros and cons of each. I encourage anyone reading these reviews to work with Tammy at Federal Hill Mortgage – you will receive stellar service from someone who knows your name, exhibits risk-appropriate creativity in a non-creative industry, and is diligent in her follow-through of the mortgage process. Thank you Tammy and team!!!

What I have found since first being introduced to Federal Hill Mortgage is a staff committed to a common goal: “‘What is best for their client.”  All of the hard working staff are experts in putting together a plan for not only your short term goals but your long term as well.

I have worked with Tammy for many years now and she and her team are the best mortgage lenders that I have ever dealt with. She is fair, thorough and spends as much time with her clients as they need. If I am ever in need of a lender, Tammy and Federal Hill Mortgage are the ONLY company I would consider.

Tammy is highly effective in her field. She is a sharp,detail oriented,on point, on time and extremely efficient in the manner that she works. I hired Tammy at a time when the market was volatile and Tammy was able to adjust to the market and improve my portfolio.

Tammy’s tenacious drive and superior work ethic have always stood out to me over the years that I had the pleasure to work with her. There are few individuals in the Mortgage business that could measure up. Given her astute nature, I am convinced that there are few that are as effective in this business as Tammy.

Very articulate, focused and dependable. Tammy was able to pull through a mortgage work up at short notice, for clients coming to an Open House for a property listed for sale by my business. I was very impressed with the incentives that she offered and the professional look of the flyer, though the time to prepare it was short.

I have worked with Tammy and Federal Hill Mortgage for 10 years. Tammy is one of the hardest working people I know. She has high integrity, work ethic and reliability unmatched by anyone in the industry. Tammy does all my purchases and refinances. For all my clients she is the only one I refer. There have been many clients that start with other brokers that ultimately finish their loan with Tammy since the other lenders can’t close the loan. Tammy does a thorough research on each client upfront to find every possible issue/concern that can rise with the particular transaction. This thoroughness along with her ability to anticipate/resolve issues at the start of the transaction is what differentiates Federal Hill Mortgage and Tammy above all other lenders. Tammy is also a student of her industry; any time new rules come out she calls and let me know so I can help educate my clients. When I work with a client and a financing question comes up I can generally get a hold of Tammy even if it is off hours. In short, Tammy’s work ethic, exemplary customer service, result driven approach, knowledge of the industry, thoroughness, and follow-up make Federal Hill Mortgage the best Mortgage Company period.

Tammy is a hard worker.  I am amazed at how available she is.  Tammy’s work ethic, know-how, and composure bring a sense of calm to what should feel like a hectic lending process.  She is a pro.

I had the pleasure of working with Tammy Saul and Tiffany Inches. She was able to get me what I needed, when I needed it. I’m not the easiest client, and the situation was complicated and more involved than all the parties envisioned – but Tammy was able to make it happen! Thank you!!

Tammy was amazing to work with. This was my fourth home purchase, and I never experienced this level of service, nor the feeling that someone was really looking to get the best for me. She came recommended by two separate people, and we decided to work with her instead of the companies recommended by our local (DC area) realtor. We are so glad we did! I am not sure when Tammy sleeps, eats, or relaxes, because she was seemingly always available. We looked into buying last year, she helped us, and when we decided to wait, she gave us advice on what to do to best prepare to make the purchase. We are just moving into our new home and are so happy that we were able to get a place we love with Tammy’s help. Tiffany helped quite a bit during our transaction. She was a pleasure, very kind and patient. We never felt like we were waiting long for a response or that our (millions of) questions were bothering her. Thank you!!