Tammy’s knowledge of financing is second to none. I have worked with many lenders in my 30 years in the real estate business and no one else matches Tammy’s knowledge, integrity, tenacity, thoroughness and delivery of the absolute best and competitive financing terms for myself and my clients. I trust her implicitly to get the job done and to treat my clients fairly and honestly. Her integrity and professionalism is second-to-none. She does her homework and identifies problems and issues early in the transaction process and then works to resolve the issue or direct the client to a solution that WILL work given their situation. She is also quick to acknowledge when she cannot help someone. This saves everyone a lot of time and effort by being honest upfront as to what will and what will not work. Tammy is a valuable member of my team of professionals. She helps me deliver the superior results to my clients that they have come to expect from me and those I associate with.
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.
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!!!
Our recent mortgage experience with Tammy has been top notch! Tammy and Lydia were both professional and knowledgeable about the process and went out of their way to help ease our concerns. The thorough and gentle way Tammy walked us step by step with all of the forms and paperwork, let us know that she is passionate about finding the best rate for her clients. She also showed her compassionate side by assuring us that we were in good hands. Whether it was early morning or late at night, Tammy was available to answer any and all questions. On closing day, we finally got to meet Tammy and immediately thanked her for all of her hard work. This was the easiest mortgage process we’ve experienced so far. Not only did Tammy see us through this process, she has extended herself for any and all future questions or concerns we may have regarding our home purchase. It’s our pleasure to recommend Federal Hill Mortgage. Thank you Tammy and staff for all that you do to help families purchase their dream homes.
I am a real estate agent and have used many mortgage officers. Hands down Tammy is at the top of my list. She knew the answers to all of my questions and, even more importantly, she seemed to like answering questions. So much of what mortgage officers do is educate the client about the often confusing and byzantine mortgage process— she embraced the role of educator and performed wonderfully. She approached my loan with a strategic perspective I rarely see in the industry. She delved into the minute details of my loan and instructed me on the small things I could do to get the lowest possible rate and maximize the money in my pocket. I recommend Tammy with the highest of praise.
The mortgage company you choose can make or break you when investing in real estate. Luckily, I stumbled upon Fed Hill Mortgage and the owner Tammy. She is one of those businesses that you want to keep a secret because of they are really great, but you still want them to be successful and share your story. Her previous legal background and her passion for what she does makes her the perfect small business that is agile and able to quickly respond to ever-changing customer needs. We really appreciate the great job that she did with our investment property and would highly – recommend her to anyone.
When she was helping me she was working 24/7 because I used to get calls from her any day of the week and her emails sometimes came to me at 2:00 AM. She knows the ins and outs of Mortgage industry. Very hard working person.
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.
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.
Hands down, this is the best, and most helpful company you could choose to help you finance your home. From start to finish, Tammy and staff offer the most professional advice, are promptly responsive to emails, and will work with you every step of the way to ensure financing is secured with the lowest interest rate possible. Tammy does a fabulous job answering any and every question about this often challenging and frustrating process. With so many changes to mortgage laws and all of the documentation required to secure financing, you won’t be disappointed by the assistance provided every step of the way!!!
As a hard money lender, I’ve seen my borrowers work with many mortgage companies to refi out of my loans. Federal Hill Mortgage is head and shoulders above the rest. Tammy delivers where others can’t and she is always my first recommendation.
Tammy is very knowledgeable in all aspects of residential refinancing. She is very energetic, enthusiastic and most of all she will work endless hours to provide the best service possible to her customers. I would definitely recommend her!!
Tammy runs a results driven business. Every client that I send to Tammy she gets the job done!
Tammy runs a tight ship at Federal Hill Mortgage. I’ve worked with several lenders but she stands heads and shoulders above them all. She is sharp, motivated and hard working. Her ability to find interest rates below what others have available is outstanding. She consistently delivers a quality service under the most demanding timelines and conditions.
Tammy was very patient with me as I watched the market over the course of about 12 months before deciding it was time to refinance. She kept me up to date whenever the market moved my way. Once we started the process, Tammy and her staff were very efficient, helpful and quick to address questions as they came up. Tammy is the ultimate professional! I refer all of my clients to her because I know they will be well taken care of!
Tammy and her team are phenomenal! I have used them for several home buying and refinance projects over the years, and have always been extremely pleased. The prompt, professional and personal service makes the mortgage process a pleasant experience.
Tammy is incredibly professional, efficient, and friendly. While my husband and I were in the process of buying our first single-family home, our original mortgage company began making ridiculous demands regarding our new home, and our close date seemed unattainable. We felt helpless and lost until we found our way to Tammy. She was able to quickly assess our situation and immediately went to work. Within a week and a half, we were going to closing. We are forever grateful for everything she did for us. I am positive that without her quick action, the situation would have turned out very differently. I would without a doubt recommend Tammy to friends and family, and I plan on doing so in the future.
I’ve been working with Tammy for close to 10 years now and I go to her for all my mortgage needs. She has helped me many times with both my personal home and investment properties. Tammy gets the job done quickly and efficiently and can explain your options clearly. I highly recommend her.
This was my first time working with Tammy. I’d been let down by other mortgage companies, so I was a bit skeptical at first. Tammy and Tiffany were not only professional and positive, but they got the job done and never forgot that I was a person in need of a home. As a veteran, Tammy recommended a VA loan that processed with no problems. I am grateful to you both and highly recommend you with no reservations!
Tammy helped us greatly in obtaining our mortgage and getting the best rates. She was available all hours of the night, very personable, and made the process extremely easy for my family.
Tammy is the best in the business. Tammy and her staff bring it all to the table during a real estate transaction: excellence, education, experience, precision, respect, and a rare dedication to serving people promptly. Tammy actually researches each borrower’s situation–and then she charts the course to a successful closing. I am impressed with her. Tammy answered my initial distress call late one Sunday, we had never worked together before. Within five minutes she knew the facts of my transaction and provided recommendations. I was sold on her immediately. My clients decided to work with her after another lender failed to perform on time. There is absolutely no comparison, Tammy and Tiffany do a flawless job!
Tammy and her team deliver results that are exceptional. She quickly assessed the options available to me and made the best recommendations. She processed my refinance within a few weeks compared to months with other mortgage brokers. I look forward to doing more properties with her and her team.
I just closed on a purchase of my primary residence with Tammy, and she was excellent! I am a self-employed real estate professional, and the other lenders I worked with previously were unable to properly manage the conventional underwriting process and the additional complications that self-employment entails. Not Tammy – she was incredibly responsive, organized, and “think-outside-the-box” as she worked the file. Her knowledge of the underwriting process enabled her to get the loan done. There were no excuses or passing the buck, only solution-oriented thinking and ideas for alternative methods of moving the loan forward when we encountered issues. I highly recommend FHM. Thank you Tammy!
I am a relatively new real estate investor, and had used Federal Hill Mortgage to purchase my first 2 investment properties. Tammy has a work ethic that I haven’t seen in a very long time. If I had any questions she would respond in a very timely fashion, with precise answers to all of my questions. It was common to speak on a Friday night or a Sunday morning. This is virtually non-existent in the world of customer service. I would not hesitate to use Tammy and her team in the future. They were courteous, prompt and very thorough. I was incredibly impressed and very satisfied.
Tammy and her team did a great, reliable job refinancing 2 of my properties. They made the process seamless, and saved me a lot of time and hassle. Tammy makes herself available at all times of the day and week, which makes it convenient for someone who has an already busy work schedule. I highly recommend Federal Hill Mortgage to anyone looking to refinance, or purchase a home. They are professional and trustworthy, and will get you the best rate out there.
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!!
Federal Hill Mortgage succeeded in the face of challenges! Tammy got us a conventional loan at a time it was difficult to get a loan at all, particularly for investors. Also, we had a complicated situation and it was very frustrating at times with the bank, but Tammy worked through it and got us to closing by our required deadline.
Tammy has moral character, which is upstanding to say the least. She shows true professionalism and has an efficient staff working with her. Tammy ensured that I was fully informed as to my best possible options, and advised me accordingly. You can trust Tammy that she will make every effort to make the refinancing process a success.
I would recommend Tammy to anyone, she always made every loan we had go through with no issues!
We have been working with Tammy from Federal Hill Mortgage for several years and have a great working relationship. As real estate investors primarily investing in Baltimore, we value the expertise Tammy brings to our team in helping us obtain financing for properties we purchase for resale and for hold/rent. We consider Tammy a valued member of our team and look forward to doing more deals with FHM in the future.
Phenomenal lending company! Tammy is the best mortgage banker I have ever encountered! I’ve had the pleasure of working very closely with her on successful purchases for clients. In my 10 years as a full-time real estate agent, before Tammy I dealt with many, many mortgage brokers and bankers. Several things set her apart from the rest. First and foremost is her in-depth knowledge of financing and real estate. Tammy answers questions with confidence and when she doesn’t know the answer, she isnt afraid to admit it and then quickly finds the right answer. She is also extremely responsive to calls and emails, is always reachable and takes care of things in a very timely manner. One of the best things about working with Tammy is her personality. She is fun to work with! Tammy puts you at ease and has backup plans ready for any issues that may come up along the way. She is in it to get the deal done and do what is best for her clients while being an ethical, top notch professional! I refer everyone I know to her! Excellent Job!
We want to thank Tammy for all her great help! Our purchase mortgage loan was a particularly challenging one that took a great deal of creative effort on her end to settle (with overseas transfers, foreign bank accounts and translations of official documents). She managed it all while I was still in France and I arrived just to sign the final documents!
Thank you yet again Tammy and staff for your assistance servicing my home mortgage needs. You have my highest recommendation! Detailed to the end…..and that is exactly how I like to be informed. Very passionate about your profession and to servicing your client’s best interests in mind. *standing ovation and cheers! Seriously, thank you much again! And wishing you and your company’s continual best in excellence of service!
It is my pleasure to recommend Tammy at Federal Hill Mortgage. She is knowledgeable and professional, and I also consider her a friend. I refinanced my home several times. Tammy kept me up to date on interest rates and she and her staff made the process incredibly easy. (Kudos to Tiffany as well!) I recommended FHM to friends and family and they were pleased as well. Sometimes it was just a phone call or question they had. Tammy was never to busy to help someone make the best decision for their situation. I can’t say enough positive things about FHM, and how hard they work for their customers. Thanks so much!!!!
Tammy and Tiffany are the ultimate team. Since I have done mortgages in the past with them, they made it easy to provide what is needed for processing. They got me an awesome rate on an investment property and made the process totally smooth. I will continue to refer people and do all my loans with them.
I want to thank Tammy and Lydia at Federal Hill Mortgage Company – – they were a pleasure to work with and it seemed they never stopped working – – late nights, weekends! They were both ultra responsive and got us the best mortgage possible in a short timeframe. I would recommend FHMC to anyone buying a house! Thank you both again!
Tammy is wonderful to work with. She is hard-working, creative, persistent and reliable with a strong team to back her up. Federal Hill Mortgage understands and practices the true meaning of customer service, making the purchase experience stress-free.