Simplifying VA Loans for Veterans & Active Military

Discover if you qualify for the VA loan benefits you've earned!

Just a few steps away: provide your details below, and we'll guide you through obtaining your Certificate of Eligibility.

Our VA Loan Program Gives Veterans Greater Access to Homeownership

Our VA loan program is designed specifically to provide eligible Active Duty service members, veterans and their families with the support they deserve on their journey to homeownership.

Zero Down Payment

Enjoy homeownership with no down payment required, making it easier to get started.

Competitive Rates

Benefit from lower interest rates compared to traditional loans, saving you money over time.

No PMI Required

Avoid private mortgage insurance costs, reducing your monthly housing expenses significantly.

Flexible Guidelines

Qualify with easier credit and income standards, designed to help more veterans buy homes.

Meet Your VA Loan Team

Meet your dedicated VA loan duo: a seasoned mortgage lender and a US Navy vet. Together, we grasp your unique needs, ensuring our VA loan solutions are perfectly tailored for you.

Tammy Saul, JD, MBA

Owner of Federal Hill Mortgage and recognized as the #1 Loan Originator in Maryland and the #5 female Loan Originator nationwide

J.T. Palilla

Business Development Representative / Former US Navy Chief Warrant Officer

Don’t just take our word for it


“Courtney and Tammy worked very hard and gave us lots of attention in getting the mortgage finalized for the purchase of our home. I highly recommend them for your home buying needs.“


“From the first phone call to the settlement table, the team couldn't have been more responsive, efficient, and knowledgable. Very easy to work with, and 100% would recommend. Thank you!"


“They are truly the best in the business. They will fight to get you the best loan for your situation. They will guide you through every step of the process. The professional staff is awesome.”

The complete VA loan guide for veterans

This educational VA Guide covers who is eligible, what loan options are available, how to make homeownership more affordable and what’s included in the VA loan process.