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FHA
October 30, 2025•6 min read
Unlock Your Dream Home with Expert Mortgage Guidance Today!
Experience personalized mortgage solutions with Michael Messinger at The Federal Savings Bank - where your home financing needs are met with integrity and expertise.
Explore Custom Mortgage Solutions Tailored For You
Explore our tailored mortgage solutions designed to fit your unique financial journey, from first-time homebuying to refinancing and investment opportunities. Secure your future with us.
Explore Our Tailored Mortgage & Refinancing Solutions
Explore Our Tailored Mortgage Solutions for Every Financial Scenario
Flexible Home Mortgage Options
Home Mortgage Loans: Competitive rates for various loans including fixed-rate, adjustable-rate, and government-backed options tailored for different financial needs.
Flexible Refinancing Options
Expansive refinancing options for existing homeowners, allowing modifications for lower monthly payments, changed terms, or cash out equity for various financial needs.
First-Time Buyer Assistance
Guidance for first-time buyers, access to grants, and specialized counseling to navigate the home buying process effectively.
Investment Property Financing Options
Offering loans for purchasing or refinancing rental properties, including options for single-family homes, multi-family units, and commercial real estate.
Testimonials
Jasmine Richards
Great experience getting our first home through Federal Savings. The fixed-rate mortgage was clear and straightforward, perfect for newbies like us!
Monica Chandler
Explored several lenders before settling here. Their first-time buyer support is genuinely helpful, and refinancing was a breeze. Solid choice for practical financial solutions.
Thomas Krazinski
Secured an investment property loan through Michael Messinger - quick process, fair rates. Solid choice for those looking to expand their real estate portfolios.
FAQs
Your mortgage questions answered efficiently and clearly.
What documents do I need to apply for a mortgage?
Youll need proof of income, employment verification, credit history, and personal identification.
How do I know which type of mortgage is best for me?
Our loan officers can help determine the best mortgage based on your financial profile and goals.
Can I apply for a mortgage if Im self-employed?
Yes, self-employed individuals can apply. Youll need to provide two years of tax returns.
What are the benefits of refinancing my mortgage?
Refinancing can lower your interest rate, reduce your monthly payment, or shorten your loan term.
Do you offer any assistance for down payments?
We offer assistance programs for qualified buyers, including low down payment options and access to state and federal grant programs. Our loan specialists can provide more details based on your eligibility.
How long does the loan approval process take?
The approval process typically ranges from a few days to a few weeks, depending on several factors.
Contact Us
786-505-5850
2131 NE 182nd St