Carlos Martinez
Mortgage Banker
NMLS#2716871
Carlos Martinez is a Mortgage Banker with The Federal Savings Bank who is dedicated to helping individuals and families achieve their homeownership goals through education, transparency, and personalized guidance. Raised in Miami, Florida, and now based in the Tampa Bay and St. Petersburg area, Carlos earned his Bachelor of Science in Business Administration from the University of Florida’s Warrington College of Business. He also completed graduate-level MBA coursework through the University of Florida and remains committed to ongoing professional development in finance, mortgage lending, and real estate.
Prior to entering the mortgage industry, Carlos built a strong foundation in corporate and international banking through roles with HSBC in International Subsidiary Banking and Innovation Banking. In these positions, he supported client relationships, lending analysis, account onboarding, risk management, and cross-functional banking operations for a diverse portfolio of clients. His experience working with high-growth businesses and managing complex financial processes developed the analytical, detail-oriented, and client-focused approach he brings to mortgage lending today. As a first-time homebuyer himself, Carlos understands the challenges borrowers face and is passionate about making the mortgage process easier to understand. Fluent in both English and Spanish, he is committed to helping clients feel informed, confident, and supported throughout every step of their home financing journey.
Outside of work, Carlos enjoys studying real estate markets, traveling, photography, yoga, meditation, and spending time outdoors. He is passionate about personal growth and enjoys reading books focused on finance, leadership, and self-development. Whether creating educational content or helping clients navigate important financial decisions, Carlos strives to simplify complex concepts and serve as a trusted resource. His goal is to build lasting relationships and help clients make confident decisions that support their long-term financial success.
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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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