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Teila Thorne

Loan Officer | NMLS# 1950159

About Teila

Mortgage Loan Originator | Principal Broker | Real Estate Strategist

As a Mortgage Loan Originator with Federal Hill Mortgage, I specialize in helping clients secure smart, strategic financing solutions tailored to their goals. From first-time homebuyers to seasoned investors, I guide clients through the loan process with clarity, speed, and a results-driven approach—offering access to down payment assistance programs, grant opportunities, and creative financing options.

With over a decade of experience in real estate and as the Principal Broker of Goldmine Realty, I bring a unique advantage to my clients—combining financing expertise with real-world market knowledge. This dual perspective allows me to structure deals effectively, anticipate challenges, and ensure a smooth path from pre-approval to closing.

Licensed in DC, Maryland, and Virginia, I am committed to helping clients build wealth through real estate by aligning the right loan strategy with the right opportunity.

Whether you're buying your first home, investing, or refinancing, I provide a seamless, full-service experience designed to help you win in today’s market.

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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.

State Map

Where I'm Licensed

Financing Dreams Across 7 States

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

Not located in these states? Let me know and I'll connect you with a trusted partner through Federal Hill Mortgage.

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© 2026 Federal Hill Mortgage Company, LLC. All rights reserved.
Federal Hill Mortgage Company, LLC is a broker and lender licensed in MD, DE, PA, VA, DC, NC & TX. We are an Equal Housing Lender.

Individual NMLS #1950159 | Company NMLS #176351