Phaedrea Watkins
Mortgage Banker
NMLS#2541386
Phaedrea graduated from North Carolina State University with a Bachelor of Science Degree in Biology. She also completed her Master of Business Administration (MBA) from Bellevue University. With a strong foundation in real estate, finance, and business strategy, Phaedrea Watkins brings a well-rounded perspective to helping clients achieve their homeownership and investment goals.Â
Drawing from over 8 years of experience in real estate and experience in mortgage lending, Phaedrea has developed an in-depth understanding of the homebuying process from both sides of the table. Her expertise spans residential purchases, investment properties, new construction, and even international investment options. She bridges the gap between lending and property ownership to deliver a seamless, informed client experience. Phaedrea’s mission is simple: to make the mortgage process transparent, empowering, and stress-free for every client she serves.Â
Outside of work, Phaedrea keeps busy with her two children and building a successful podcast. Whether she’s attending her kids’ activities, traveling, or sharing a good cup of coffee with friends, she finds joy in meaningful connections and helping others move closer to their dreams—both personally and financially.Â
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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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