Review Time
In the beginning we were very pleased with our team. Halfway through our construction loan process, the team left and were replaced with mortgage brokers that could not get a fanny mae loan approved. These folks have more in common with loan sharks than an actual bank. Run, don't walk to another bank. They will hound you, give you no help even after surviving a natural disaster even if you are current on your payments.
In the beginning we were very pleased with our team. Halfway through our construction loan process, the team left and were replaced with mortgage brokers that could not get a fanny mae loan approved. These folks have more in common with loan sharks than an actual bank. Run, don't walk to another bank. They will hound you, give you no help even after surviving a natural disaster even if you are current on your payments.
I worked with the vice President of this bank. I was approved paid my refundable deposit then due to health reasons I had to stop the process for my home. They will not return to me the money that is CLEARLY STATED is refundable if the loan doesn't proceed through no matter who stops the process. I contacted the BBB and they didn't help. This bank is CLEARLY out to rip off Americans. Beware. Don't even start the process. There is so much more I could share that was negative but limited to space here. Just please be careful!
I was shorted a fee refund for a VA appraisal. I was charged more for it, so they could keep the balance for payment due, as I decided to go with another lender and not with them, which, to me, from an organization like this to a Veteran, is pretty classless, I get it, we did some work, we want money for it because you switched to another lender, I will never use them or recommend them to any vet or non vet.The loan VP I worked with (Tracey Cardina) could have at least disclosed it, but that's why you have to read all of it; I feel like I was taken advantage of. Vets, please stay away from TFSB. Find another more honest lender; there are many out there.
Matt DeCesaro was unprofessional and frankly rude, but worst of all he presented blatantly incorrect information and then attempted to strong arm me into believing it despite my protests. When making a financial decision for hundreds of thousands of dollars and my family’s home, I care that the numbers are correct. Matt did not, and made that clear by saying it was good to overestimate the numbers when he was $1250 off on his tax estimate. I would not recommend working with Matt in any capacity.
This guy tricked me to using them said he can make sure I get loan. I have his email saved. I have my own business have a lot of tax right off. He said they didn’t matter his words in this email. I can do something about your tax write off to make you get a loan. I have his email saved this place number to Scam. I got approved at another location this number but a scam this guy I was hoping to go to them. They had a good price for refinancing to go through everything. I love the price I was gonna do it, but then we started talking about changing stuff on my tax paper Which is in his email. I have saved to try to give me a better interest rate then they contact me back because we can’t work with you. I’m posting this on news channel 2 FOX five news his email saying that I was good. He had me alone. Don’t use this bank. They were scammed the hell out of you now I found out their Ins rate is 2% hired anybody else glad he scammed me.
My experience with The Federal Savings Bank was nothing short of deceptive and fraudulent. I was working with John Forker, who assured me of a specific interest rate without any discount points. Based on that assurance, I paid the application fee. Only after they had my money was I told that the rate would actually require points—completely contradicting what I had been promised. When I reached out to his manager, Mark Bechtold, I received no real explanation or accountability. This bait-and-switch tactic is fraudulent and completely unacceptable. I had to walk away and go with a lender that was honest and upfront from the beginning. I strongly advise others to steer clear of The Federal Savings Bank.
This was by far the worst company I have ever worked with and if there was a rating for 0 stars that is what they would get. I am a 10 year veteran and they came to me with this refinance opportunity. One that would have changed my life. They said I was prequalified and to me that meant all I had to do was go through the motions and give them what they need. I borrow money from family to get my home appraised and ends up I have $80,000 in equity. They reach out to you all the time in the beginning then drop off the planet once they have the appraisal. Then I get a call telling me that I have 2 payments that were 30 days late and we cannot do the refinance. Excuse me you said I was prequlified. Sorry nothing we can do. No you don't get the appraisal money back. Needless to say worse off than I was before they called. Then the President of one of the Departments calls me and tells me I am qualified for a refinance loan about a week after all this. I told him what they did too me and he said I will get this straitened out. Nothing but crickets after that. As a veteran I Strongly advise you not to use this company. Save your sanity and go with someone else.
James Conley and team were amazing! I had a lot of doubts/questions during the refinance process but he was patient, caring and extremely helpful and made the process smooth, less stressful and also really seemed to be working for us! Thanks James!
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Home begins here, at the largest, privately held, veteran owned and operated bank in the country. The Federal Savings Bank focuses on mortgage lending because we know that home is more than just four walls. It’s the foundation for your dreams, memories, and legacy. It's the comfort that comes with stability and the vision of a secure future.
As a federally chartered bank, we are proud to be able to support your homebuying process in all 50 states. So, no matter where in the United States you plan to dig your roots, The Federal Savings Bank family won't be far.
With the strength of a national bank and the heart of a family-owned lender, we carefully match our home lending solutions to your specific financial needs, not everyone else’s.
We’re eager to make your home lending journey as smooth and efficient as possible through cutting-edge technology and personal, one-to-one care.
It’s our privilege to guide you from home loan to welcome home. See more
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