Having been referred to Tammy Saul and Federal Hill Mortgage by another mortgage expert that I had worked with and trusted in the past turned out to be an excellent referral. Tammy and her staff were on top of the process from start to finish. A no nonsense, success oriented and all business approach was taken with my lending needs and the outcome was successful and smooth to close. Tammy gets high marks for detail and hard work both for the lending process and me…the client. Thanks Tammy!