Joe Montgomery
Mortgage Banker
NMLS#406818
Joe is a seasoned mortgage professional with more than 20 years of lending experience and a long-standing reputation for delivering exceptional customer service while always putting the needs of his clients first. Throughout his career, he has built trusted relationships by taking a personalized approach to lending and helping borrowers identify mortgage solutions that align with both their immediate needs and long-term financial goals. His extensive experience across a wide range of loan products allows him to guide clients confidently through today’s evolving mortgage landscape.
Specializing in VA, construction, and barndominium financing, Joe understands that lending is no longer a one-size-fits-all industry. By offering access to a diverse range of funding sources and carefully tailoring each loan strategy, he helps clients secure financing solutions that can provide meaningful savings and long-term financial benefits. Whether assisting first-time homebuyers, seasoned homeowners, or borrowers building their dream home, Joe is committed to making the process smooth, transparent, and client-focused from start to finish.
Joe considers it a true honor to serve veterans and active-duty military personnel, whether they are relocating internationally, purchasing a new home, or pursuing a strategic refinance to improve their financial position. His sincere approach, sense of duty, and strong personal integrity have helped him build relationships rooted in trust, communication, and performance. As part of The Federal Savings Bank, Joe proudly supports borrowers with access to VA, FHA, USDA, Jumbo, and Conventional loan solutions designed to meet a variety of home financing needs.
Outside of work, Joe enjoys staying active through fitness, playing and watching sports, and traveling whenever possible.
Let’s discuss your best options for building your dream barndominium.
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Construction Loan Specialist
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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.
Joe Montgomery and Michele Brusky were the best!!! I hope to do more business with Federal Bank and Joe and Michele in the future. Now it’s time for me to enjoy my house!
Joe was a pleasure to work with during this process. He was prompt, transparent, and very quick to respond to questions or concerns. He made this process as seamless as possible and went above and beyond.
Joe Montgomery was excellent and I definitely recommend him to anyone! The process was fairly smooth! Everyone was very professional and helpful!
Joe Montgomery and Team were great to work with! Joe kept us up to date with all pertinent information! Would definitely recommend him to everyone!
Joe Montgomery did a tremendous job with customer service on my loan. I will will highly recommend him to other people I know who are looking for a mortgage broker.
Joe Montgomery was the best! I really look forward to doing more business in the future with him and the bank.
Joe Montgomery was excellent to work with! Communication and follow up was excellent.
Thank you so much for all your help through this entire process! We are so grateful for you! And so grateful for the opportunity to build a home for our children to grow up in. Thank you!
Mr. Joe Montgomery was outstanding through this entire process. Prompt, customer service and very professional from start to finish. My wife and I would definitely recommend Mr. Montgomery to our family and friends.
Joe Montgomery and his team did a great job! Communication was on point. I will continue using The Federal Savings Bank for any future needs and send referrals.
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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