Senior Vice President
In an industry sought with numbers and volume, Kelli brings a unique perspective and experience to each transaction, treating each customer as if it were her only client, realizing that the work is not done until all goals are accomplished. Her experience has also taught her that serving her client’s needs also includes working with Realtors, and all other related parties to the transaction. Kelli realizes the importance of teamwork and manages each transaction with professionalism and attention to detail that is second to none.
In her spare time, Kelli is actively involved in her community and church, dedicating time to women support groups. She grew up in southern California and since moving to Arizona 10 years ago, has developed a love for the outdoors. Kelli was married in January, 2014 and enjoys time spent with her husband and two dogs. She spends the weekend hiking and enjoying the outdoors.
We decided to table the project due to the numbers of hoops through which we were being asked to leap. We are seniors, with a perfectly good loan (4.75%) and, frankly, too busy to take the time to do another loan application.
Kelli called me one afternoon, quite out of the blue and asked me a very important question; "Do you know what the hard dollar difference is between what you will pay-out on your current loan versus a re-fi at just above 3%?" Yes, I had a pretty good idea, but, like other issues in life, it was not something I wanted to think about. The manner in which she approached the topic was very professional, very clinical. It made me stop and re-think what were doing and we decided to move forward. I wish I could tell you that it was wedding bells and pony rides from there on....it was not. The appraisal stopped us dead.
We, like many others, are in recovery mode from the most recent hiccups in the real estate market. Our home was not underwater, but would not appraise to get us back to the 20%+ equity position we started in seven years ago. Again, we tabled the matter and moved on.
Kelli did everything she could to demonstrate the alternatives but I did not want to carry mortgage insurance and I will not participate in an Escrow relationship; I've always paid my own taxes and insurance.
Not to be denied, Kelli maintained a correspondence relationship with us and a couple of weeks ago, as rates and bonds were making everyone crazy, she called and said, "If you'll agree to a tiny sliver of mortgage insurance, I can place this loan with Chase and they will not require and Escrow account." Bingo. We're on.
Kelli is a staff member who goes about getting business done just the way I like; professionally, confidently and accurately. No uncrossed "t's" nor undotted "i's". You are to be congratulated for recruiting, recognizing and retaining people with her tenacity and passion for getting the job done. This is, likely, the last mortgage that my wife and I will do, unless we have to re-fi at "the home".
We closed yesterday. The package has been returned to your processors and my wife and I are thinking about a pony ride.
Thank you folks for your commitment to Veterans
I just wanted to drop you a note to let you know how pleased I was with my recent refinance with Federal Savings Bank and especially my dealings with Kelli Vaccaro.
I have been in the service business all my life and I always like to recognize when someone has gone above and beyond to provide outstanding customer service and Kelli was amazing!
We ran into a few rode bumps trying to locate some paperwork for the title company and Kelli was very understanding as I began to get frustrated with the process.
She was very professional at all times and returned all my calls(and believe me there were many calls) in a very timely manner and always with an upbeat and positive attitude.
I believe that you have a valuable employee in Kelli and she made the entire process as easy and manageable as possible.
Thanks for the great rate also!
We just wanted to thank you again for all of your hard work to ensure our loan closed on time. You pushed our signing the closing docs to last Friday, Nov. 9, 2012, and the original loan was paid in full, yesterday, Nov. 14, 2012. Everything went just the way you said. However, we know that it was not an easy thing. It was because of your professionalism and dedication to putting us, the customer first. It was such a pleasure working with you, and we will recomend you and the federal savings bank to all of our friends. Please send us a survey, and let us know if we can do anything else.