John Afzal Photo

John Afzal

Vice President


John Afzal is proud to be a part of The Federal Savings Bank family. With almost 10 years in the mortgage industry, he has crafted his skills and knowledge in numerous mortgage specialties. These include Conventional, VA, and FHA loan types.

His drive and passion to help others shows in his work everyday. John prides himself on being loyal, dedicated, honest, and reliable. His focus on building long term relationships with each of his customers is of the utmost importance to him. John knows and understands that each of his clients are different, and he works hard to help identify their immediate and long term financial goals. He relies on this knowledge and his strong attention to detail to help find the best loan product to meet their needs. John strives to provide a seamless loan process that is driven by strong customer service to all of his clients.

Originally from sunny Southern California, he now resides in Phoenix, Arizona. He enjoys working out, travelling, and attending sporting events. But above all, John loves spending time with his wife and children.


A big 'Thank you' to Ahmad. The refinancing process is usually very unpleasant. But, Ahmad walked me through each step easily and made everything very understandable. We just funded and couldn't be happier. Ahmad is going to hear from me for all future loans and refi's. Thank you!

- Alora
Ahmad is knowledgeable, attentive, responsive, and friendly. This refinance was meant to start fresh and clear up some negative debt and Ahmad made the entire process easy to understand. Realistic expectations were given and needs were communicated quickly. I’d have to say this process was painless and a pleasure to have worked with Ahmad and his colleagues to make this happen! Thank you so very much!

- Amber
Ahmad is extremely knowledgeable and friendly. He really made our buying process a wonderful experience. We always felt like we were in the loop and he was there to answer any questions we had from the start of the loan till we closed. I highly recommend Ahmad.

- Andrew
Ahmad was so helpful especially considering I was a first time home buyer. Even though I called him a million times to ask the most silly questions he never once got frustrated with me.

- Angelle
My wife and I initiated a refi with another lender. During the pandemic, there were some uncertainties and we decided to accept a forbearance with our current lender. Unfortunately, we were led to believe that this wouldn’t affect our credit score. Needless to say, that was not the case. We had challenges clearing our name; the resolution was not acceptable to our lender. We were denied our application 3 days before closing.

That same day I reached out to 3 new lenders. I left a voicemail for John, who called me back in less than 5 minutes. I explained our situation and he immediately said he would be able to help. Throughout the process, John and his team (Tamber and Allyson) have been nothing short of professional and efficient. Without exaggeration, there was not an email, voicemail, or text that did not get a response in 24 hours or less. Sometimes in 5 minutes. This included weekends.

John has restored my faith in humanity. Our refinance experience with The Federal Savings Bank was phenomenal from start to finish. From my family to yours, Thank you so very much.

- Boni W
Ahmad was very knowledgeable about any questions I had. The overall loan process went pretty well. And even when we had issues with the Appraisal and Structural Engineer Report he was always positive and followed up with the other parties involved in the loan process keeping me in the loop along the way. He and his team are very professional and easy to work with!

- Craig
Ahmad was very helpful and helped us navigate a buying a home on the other side of the country. I would recommend him to anyone looking for help buying a home.

- Joshua
I want to thank Ahmad for a great job helping us. He was very kind and helpful through the entire process. Always providing updates on the loan process and answering any questions we had. We could not have asked for a better loan officer or company to do business with. I would recommend anyone to give Ahmad a chance to show how they can help you. Great Job! I will always call them first above anyone else.

- Joshua
Ahmad and his team did an amazing job on my loan, from purchase contract to funding was less than 30 days. I would recommend Ahmad to any potential home buyer who is looking for great advise and upfront common sense service that makes sense.

- Kenny
I am shocked at how easy it was to complete our refinance. I spoke to Ahmad on the phone and he answered all of my questions and was very patient with me. This gave me peace of mind. Then again I was concerned about the amount of paperwork we would have to do. This process was smoother than the other 2 financiancings I have completed and wouldn’t hesitate to use Ahmad again! I really appreciated that the closing happened in our home on our schedule!

- Kim
This was by far the fastest loan I have ever gotten done. I am in the Escrow industry and know how hard it can be to get thing done with lender but this loan was the fastest smoothest transaction ever.

- Pam
Ahmad helped us see that the best thing for what we were looking to do was to do a full refinance of our mortgage and he was able to get us a great rate lower than the already low rate we had. The process had some challenges but he was patient and helpful in getting us through.

- Paul