Emily Harms is an Outside Commissioned Mortgage Banker with The Federal Savings Bank. Born in Iowa and raised in Colorado from the age of eight, Emily developed a strong appreciation for community, hard work, and building meaningful relationships. She is passionate about helping individuals and families achieve their homeownership goals and guiding them through one of the most important financial decisions of their lives.
Emily’s approach to mortgage banking is built on integrity, communication, and putting her clients first. She understands that every borrower’s situation is unique and believes in providing personalized service tailored to each client’s needs. By listening carefully, communicating clearly, and working diligently on behalf of her clients, Emily strives to create a trustworthy and stress-free lending experience while helping families make informed financial decisions with confidence.
Emily currently resides in Wyoming with her husband and family, where they have built a life they truly enjoy. Outside of work, she loves spending quality time with her husband and children, camping, boating, and enjoying the outdoors. She also enjoys watching her daughter play high school volleyball and creating lasting memories with family and friends. An avid home cook, Emily considers cooking her love language and finds joy in bringing people together through food, family, and shared experiences.
At The Federal Savings Bank, we’re deeply committed to turning homeownership dreams into reality. Our diverse loan portfolio, nationwide reach and in-depth understanding of local communities allows us to provide personalized service and solutions that help meet our clients’ needs. Ultimately, we strive to empower families to create a place called home.

Buying, building, or refinancing all starts with the click of a button. Our experts are here to get you what you deserve.

Consult your financial advisors and appropriate government agencies for any effect on taxes or government benefits. Calculator disclaimer: The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.

Consult your financial advisors and appropriate government agencies for any effect on taxes or government benefits. This calculator provides an estimate of your monthly mortgage payment based on general assumptions. It does not account for all loan types or features, such as fixed vs. adjustable rates, mortgage insurance (MI), or Federal Housing Administration (FHA)-specific MI. Actual terms may vary and should be confirmed with a lender.
Calculator disclaimer: The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The calculation is based off of a fixed rate conventional loan with no Mortgage Insurance. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.

Consult your financial advisors and appropriate government agencies for any effect on taxes or government benefits. Calculator disclaimer: The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. Subject to credit approval. Terms and conditions may apply. Subject to VA eligibility requirements. Property insurance is required on all loans secured by property.



