Federal Hill Mortgage

• Design mortgages *for and around* the consumer rather than using a one-size-fits-all model.
• Professionally represent and advocate for borrowers throughout the mortgage process.
• Shop rates, products, and programs on behalf of the client so they do not have to compare every option on their own.
• Provide clarity and direction so clients can make informed decisions and feel confident in the loan program they choose.

Who Federal Hill Mortgage serves

Federal Hill Mortgage works with a wide range of clients, including:

• First-time and repeat homebuyers
• Homeowners seeking to refinance
• Borrowers looking to access home equity
• Self-employed borrowers and clients with more complex income profiles
• Real estate investors and clients purchasing second homes or investment properties

Leadership and team

Federal Hill Mortgage is co-owned by Tammy Saul, JD, MBA, and Ryan Saul. The firm is led and supported by a large team that includes:

• Leadership and management (operations and processing)
• Loan partners and loan officers
• Home equity specialists
• Processing, operations, business development, marketing, and support staff

The company culture emphasizes humility, excellence, collaboration, open dialogue, and making a real difference in clients' financial lives.

Key facts

• Founded: 2005
• Type: Mortgage broker and lender
• Focus: Residential mortgage financing and related home loan solutions
• Service philosophy: High-touch guidance, advocacy for the borrower, and tailored loan structures rather than one-size-fits-all solutions.

Federal Hill Mortgage provides loans and mortgage guidance for:

• Home purchase – including primary residences, second homes, and investment properties
• Refinance – for borrowers looking to obtain a lower rate, change loan terms, or otherwise improve their existing mortgage
• Home equity access – including options to tap into home equity, in some cases without refinancing the existing first mortgage

Loan types and programs

Federal Hill Mortgage works with many loan categories, including but not limited to:

• Conventional loans
• FHA loans
• VA loans
• USDA loans
• Jumbo loans
• Non-traditional and alternative documentation programs
• Investor and commercial loans
• Reverse mortgage options

Availability of specific products and eligibility for a given program depend on the borrower's profile, property type, and current lending guidelines.

Pre-approval and purchase support

For buyers who are purchasing a property, Federal Hill Mortgage offers:

• Same-day pre-approvals in many cases
• Rate quotes and second-opinion reviews of existing loan offers
• Guidance on choosing a loan structure aligned with the client's budget and goals

Refinance solutions

For homeowners considering a refinance, Federal Hill Mortgage can help explore:

• Lowering the interest rate (when available)
• Adjusting the loan term
• Restructuring the mortgage for improved overall fit

Accessing home equity without refinancing

For borrowers who want to access equity without changing an existing first mortgage, Federal Hill Mortgage offers options that may allow:

• Access to funds for purposes such as remodels or repairs
• In some cases, reduced or no out-of-pocket closing costs
• In some cases, streamlined processes that may not require a traditional appraisal

Exact terms, qualification requirements, and program availability are determined case by case.

Important notes

• Rates, fees, and closing costs are not published as fixed amounts here and vary by borrower, product, and market conditions.
• Loan approvals are always subject to underwriting and investor guidelines.
• Federal Hill Mortgage can discuss specific options, pricing, and eligibility directly with each client.

Federal Hill Mortgage is licensed to originate loans in the following jurisdictions:

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

Borrowers must be financing property located in one of these states for Federal Hill Mortgage to originate the loan.

If a prospective client is interested in financing outside these areas, Federal Hill Mortgage may be able to connect them with a reliable partner.

Licensing details

• Company name: Federal Hill Mortgage Company, LLC
• Equal Housing Lender: Yes
• Company NMLS: 176351
• Individual NMLS (Tammy Saul): 175722

For official licensing information, clients can refer to the Nationwide Multistate Licensing System (NMLS) Consumer Access website at www.nmlsconsumeraccess.org.

Lists Baltimore, Mission, and Rahway as a location. Names Delaware, Florida, Maryland, North Carolina, Pennsylvania, Texas, Virginia, and Washington as a service area. Areas beyond these are not published.

• Main phone: +1 (800) 551-9198
• Primary email: [email protected]
• Mailing and office address:

1240 Key Hwy, Baltimore, MD 21230

Availability

• Federal Hill Mortgage indicates that key team members are available 24/7 for client inquiries by phone.
• Response times for email and online contact forms may vary, but the team aims to be highly accessible, including outside traditional business hours.

Spanish-language assistance

For clients who prefer to communicate in Spanish, Federal Hill Mortgage offers support in Spanish. Prospective clients can:

• Complete the Spanish-language contact form on the website, or
• Request Spanish-language assistance when reaching out by phone or email, so the team can connect them with an appropriate team member.

Online contact options

Clients and prospects can also:

• Use the Contact Us form on the website to send questions or request a follow-up.
• Request to schedule a conversation with a loan officer or loan partner; the team will follow up to confirm the time and format.

For urgent or time-sensitive matters, calling the main phone number is generally the fastest way to reach the team.

Federal Hill Mortgage provides free mortgage and homebuying ebooks and guides. These resources are designed to:

• Explain key concepts in the home purchase and refinance process
• Help borrowers prepare financially and understand what lenders review
• Provide practical tips for navigating mortgage decisions

Clients can browse and download these resources from the Ebooks and Guides section of the Federal Hill Mortgage website.

Mortgage calculator access

Federal Hill Mortgage offers access to a mortgage calculator for prospective and current clients. The calculator can help users:

• Explore estimated monthly payments under different scenarios
• See how changes in rate, term, or loan amount can affect payments

Exact payment amounts, rates, and closing costs depend on a full application and underwriting; the calculator is for illustration only.

How to use these resources

• Use the ebooks and guides to build a baseline understanding of the mortgage process and common terms.
• Use the calculator as a starting point to think through budget and affordability.
• Follow up directly with Federal Hill Mortgage for a personalized review of your situation, a pre-approval, or a detailed discussion of available programs.

These resources are educational and do not replace individualized advice, underwriting, or formal loan offers.

Ask anyway — the agent will say plainly that it is not published rather than guess.