Santiago Vilches
Associate Mortgage Banker
NMLS#2908911
Santiago Vilches was born and raised in Miami, Florida, where he developed a strong appreciation for hard work, perseverance, and opportunity. As the son of immigrant parents, he grew up understanding the importance of dedication, resilience, and building a better future through determination. These values continue to guide him in his role as an Associate Mortgage Banker at The Federal Savings Bank, where he is committed to helping individuals and families navigate important financial decisions with confidence.
Drawing on his professional background in hospitality, Santiago brings a client-focused approach to mortgage banking. His experience working with individuals from diverse backgrounds has strengthened his communication, problem-solving, and relationship-building skills. Known for his outgoing personality, responsiveness, and attention to detail, Santiago strives to make the home financing process as approachable and straightforward as possible. He takes pride in understanding each client’s unique needs, providing personalized guidance, and building lasting relationships based on trust and transparency.
A lifelong South Florida resident, Santiago values staying connected to his community and building meaningful relationships. Outside of work, he enjoys skateboarding, staying active, and embracing new challenges that encourage personal and professional growth. With a strong work ethic and team-oriented mindset, he brings the same dedication and enthusiasm to his personal interests that he applies to helping clients pursue their homeownership goals.
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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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