Michele Cardinal
Senior Vice President and LPO Manager
NMLS#223110
With 24 years of experience in the mortgage industry, Michele serves as Senior Vice President at The Federal Savings Bank, bringing a deep passion for helping individuals and families achieve homeownership. She specializes in guiding first–time homebuyers, supporting Veterans though VA loan programs, and leading initiatives in multi-cultural lending to better serve diverse communities.
Throughout her career, Michele has built a reputation for delivering personalized lending solutions, fostering strong client relationships, and mentoring teams committed to excellence. She believes in empowering clients through education and transparency, making the dream of home ownership accessible to all.
Family and community are at the heart of everything Michele does. Happily married, she is a proud mom to a 24-year-old son and cherishes the role of being a mother. Living at the shore, Michele enjoys boating and embracing coastal living. Beyond her professional role, Michele is deeply committed to community engagement. She regularly hosts home buying literacy seminars, financial literacy workshops, and participates in local service events, helping to educate and empower future homebuyers. For Michele, success is not just measured by professional accomplishments, but by building stronger communities, lasting relationships, and a meaningful life both at work and at home.
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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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