Tracey Cardina
Mortgage Banker
NMLS#131104
Tracey Cardina has always had a passion for helping others. Once she realized how much she could help people financially, she jumped right into the mortgage and banking industry. Since then, she has gained 20 years of industry expertise. Tracey loves putting her knowledge to good use for her clients, while also hopefully learning something new along the way from her clients themselves.
With Tracey’s easy-going, caring, and down to earth personality—her clients trust her expertise every step of the way and know that she is the one who will go to bat for them while explaining the entire process step-by-step. Tracey genuinely cares about the financial future of her clients; she treats them as if they were her own family, and in doing so, she appropriately puts them in the best loan programs available for their financial situation and goals. Tracey ensures every one of her customers an enjoyable and seamless experience when working with her.
When Tracey isn’t working with her clients on purchasing their dream home or refinancing their current one, she is with her #1 fan—her son! Whether she’s on the football field, baseball field, boating through Lake Erie, travelling, cooking or entertaining, Tracey does it all and loves it all.
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Recognition:
Chairman’s Club 2025
ABOUT THE FEDERAL SAVINGS BANK
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.
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