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About

With more than 20 years of lending experience as a tenured professional in the mortgage industry, Joe attributes his success to his excellent customer service skills and always keeping the needs of his client first. Offering a diverse group of funding sources enables Joe to custom-tailor the mortgage solution which best fit’s his client’s profile and long-term financial objectives. Lending is no longer a one-size-fits-all industry and Joe’s detailed approach to selecting the best product, provides his clients substantial savings over the life of the loan.

Joe considers it an honor to assist our veterans and active-duty military personnel; whether relocating internationally, a local move or simply lowering their monthly payment through a strategic refinance. His sincere approach, sense of duty and personal integrity foster relationships built on trust and performance. Whether you’re a first-time homebuyer or seasoned homeowner, you can rely on Joe to guide you through the complex process of leveraging in our Mortgage Industry today.

The Federal Savings Bank is a Federally Chartered bank that specializes in private client business while delivering an extremely high level of service with the most desirable mortgage products and rates available. The Federal Savings Bank specializes in VA, FHA, USDA, Jumbo and Conventional loans for the first-time homebuyers as well as seasoned buyers and veterans looking to build their dream home.

On his days off Joe enjoys working out, playing, and watching sports and traveling as much as he can.

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.

What clients say about working with us

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.

Jeffrey E.
June 2025

Joe Montgomery was excellent and I definitely recommend him to anyone! The process was fairly smooth! Everyone was very professional and helpful!

Armando S.
May 2025

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!

Jasen P.
March 2025

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.

Christopher L.
September 2024

Joe Montgomery was the best! I really look forward to doing more business in the future with him and the bank.

Walter M.
July 2024

Joe Montgomery was excellent to work with! Communication and follow up was excellent.

Armando S.
June 2024

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!

Kristen E.
June 2024

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.

Eddie W.
June 2022

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.

James L.
June 2022

Joe was always available for me through the process even on vacations or after hours. He was very responsive and would check in with me through the build to see how everything was and if I needed anything from him. Joe is a true asset to your company.

David B.
May 2022
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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.

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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.

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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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