Tammy Kim Hajjar Photo

Tammy Kim Hajjar

Senior Vice President


Tammy was born in South Korea, but is truly a native to Chicago since she was 3 years old. She has witnessed many areas grow into thriving and prosperous neighborhoods. Growing up and still residing in East Lakeview for 35 plus years, she knows the city like the back of her hand.

Tammy grew up working closely with her mother in their small neighborhood grocery store in Lincoln Square, attended high school at St. Ignatius College Prep, and didn't see any reason to leave the city for college, graduating from DePaul's business school with an Accounting/Finance double major.

By joining The Federal Savings Bank, Tammy is able to provide a wide array of products and unmatched service to her customers, realtors, and referral sources. She runs a proficient and systemized business practice, constantly looking to improve communications between clients and referral sources to keep everyone abreast of the status of their home purchase or refinance. She continues to focus on growing and improving daily, both personally and professionally, but believes it would all be in vain if it wasn't for her wonderful children: Cheyenne (24), Isabel (12) and Nicholas (9).

As the old adage states: "If you want something done, ask a busy person," but the true testament of her heart is to serve others is through her personal motto: Have Fun, Make Money and Make a Difference!


Tammy was a class act. She was knowledgeable, helpful, kind and got the job done with poise. I appreciated her can-do attitude. I would work with her again as well as recommend her to others.

- Abby S. - January 2015, Chicago, IL
I greatly enjoyed working with Tammy, as she made a potentially stressful loan process flow smooth and efficient. She not only thoroughly explained my loan options, but also provided dynamic Excel models that showed the financial breakdown of my loan options. During the document gathering process, Tammy and her team were organized and timely and, to alleviate the time commitment from me, they even helped track down documents directly from third parties wherever possible.

- Andrea P. - October 2014, Chicago, IL
Tammy Hajjar and her team were incredibly helpful in the purchase of our new home. They were efficient, patient and on the ball at all steps during this home buying process. We recommend the team of experts.

- Andrew and Allyson M. - July 2015, Chicago, IL
We are super excited about the new home and couldn’t have been happier with Tammy and Tony in this process.

Both of them have been incredible to work with and are at the top of our referral list moving forward.

We would love to grab dinner sometime after we get settled into the new place.

- Anuj and Priya K. - November 2015, Chicago, IL
We couldn't be more pleased with the service provided by Tammy and her team! They are very process oriented and are on top of everything throughout the entire process. The level of consulting and communication is second to none! I would highly recommend their services to anyone!

- Brandi and John W. - June 2016, Woodridge, IL
This was my husband and I's first time buying a home, and we were completely clueless. Tammy and her team were so helpful and encouraging. They were there for any questions we had with a thorough answer. They made us feel so comfortable and confident during the process. I really felt like they were rooting for us!

- Brittiany J. - February 2016, Palos Heights, IL
I was promised great things when I was introduced to Tammy & Tony, and they went and over-delivered on my already-high expectations. They are super smart, with a firm grasp on the market and economic factors that shape a mortgage decision, as well as the kind of people you want to talk to regularly. Somehow, they're even charming when reminding me to send over yet another bank statement! I'd recommend them to anyone, especially first-time buyers like myself who need a lot of information and education.

- Carrie S. - July 2015, Chicago, IL
Thank you from the bottom of my heart for all of the great work you did. You made a dream come true. Thank you for believing in me and for not giving up on my process; even though we had a lot of things working against us. I thank God for giving us faith and hope. Like Tammy said, “where there is a will, there is a way”.

- Celina M. - November 2014, Lyons, IL
Tammy and her team helped me purchase an investment property and the entire team was great. Tammy was very creative and proactive in sorting out all the mortgage issues and made the entire process very smooth and efficient. Will definitely recommend Tammy in the future.

I will give a 6 on a scale of 1 to 5 when I get the survey. :-)

- Chintan M.- December 2015, Chicago, IL
Working with Tammy was an absolute pleasure. She was always prompt and thorough in all her replies and was very proactive about explaining every step of the process. We really appreciated the individualized attention and highly recommend her to any client.

- Clark and Christine C. - June 2015, Riverside, IL
Tammy and her team were very responsive to our needs on our refinance. They worked to lay out all the alternatives and find the best solution for us. Their attention to detail and customer service were top notch.

- Daniel and Jeanne T. - February 2015, Elmhurst, IL
Tammy, it was a pleasure working with all of you. My experience started out sour [with another lender], but you and your team were fantastic at making a difference and making sure I was able to get into my new condo (which I am already loving).

- Daniel B. - October 2014, Chicago. IL
Tammy and the team were so helpful, providing exceptional service. Proactive, thorough and felt like I was working with a family member. Made the 1st time mortgage experience much much easier, especially with Tony Borrello providing consistent updates, 24/7 availability rapid responses.

- Don C. - August 2016, Chicago, IL
Tammy and her team ROCK..........I have recommended them many times and they always come through! It was an easy choice when refinancing my own home. Five star service all the way.

- Elizabeth B. - August 2016, Chicago, IL
Great Service. Always accessible which is not always the case for most companies.

- Erik S. - December 2015, Brookhaven, GA
You were a real joy to work with and it was amazing how easy and fast that you made the process. When we entered into getting the loan we were expecting the long drawn out process that we have had before, but you and your team made it painless. Thank you so much for your professional yet personal assistance.

- Franz and Peggy P. - November 2014, Chicago, IL
Thank you Tammy for everything you've done. And Tony has gone above and beyond helping me. He is outstanding. I couldn't have done it without both of you. Thank you and God bless.

- Gina D. - October 2015, Harwood Heights, IL
I wanted to thank you for your effort on our refinance. As a banker, I know that these transactions can be tedious at times. That said, our experience was smooth and painless and that is tribute to your effort to stay connected to the transaction and work through the few bumps we encountered along the way. <><> It was a pleasure working with you and please know we would not hesitate to send anyone your way in the future. <><> <><>

- Greg B. - June 2015, Northbrook, IL
Tammy & her team were a pleasure to work with. They kept us informed throughout the entire process. She met us in person to get everything started and was there in person the day we closed. She and her staff were always quick to respond to our questions. We would highly recommend Tammy and her team.

- Jamey B. - January 2015, Chicago, IL
My experience with Tammy and her team at Federal Savings bank was excellent. Her and her team did an awesome job making sure everything was a smooth ride all the way through and after close. Throughout the entire process Tammy and her team always took time to work through every question to help me feel better about buying a house. They are always on top of things and I would recommend her to anyone.

- Jared and Karen D. - January 2015, Lake Barrington, IL
Tammy and her team at the Federal Savings Bank were absolutely incredible to work with. They took an incredibly complicated and stressful process and made it super easy and straightforward for us, making sure we got to closing no matter what. They really took care of us and were so friendly and helpful. They were absolutely the best, and we'd highly recommend them to everyone!

- Jay V. - August 2016, Chicago, IL
Even before I decided pursue a loan with The Federal Savings Bank, Tammy was extremely positive, fun, and guided me into making the right decision for me and my family. Right away I knew I was in for a wonderful experience.

Throughout the loan process Tammy made sure I knew details of all processes and documents to come. This helped me tremendously with tackling all items needed from me within the loan process, from Origination all the way to Funding, and continue on with life -as it never stops! I would ultimately without hesitation recommend Tammy to anyone and I can’t express in words how pleasant the Tammy experience is and will continue to be.

- Jay W. - September 2016, Chicago, IL
I just wanted to thank you and your amazing team for the great service you all provided with my refinancing. It was such a pleasant, easy process from 'start to finish' with all of you. I can't speak highly enough of the great service and the efficiency your team provided. I will definitely send my friends and family to you. I myself will be a repeat client.

- Jeannie P. - October 2016, Chicago, IL.
We wanted to refinance our mortgage to take advantage of low interest rates. However, our mortgage was "under water" due to the housing market crash, and because our mortgage was not held by Freddie Mac or Fannie Mae, we did not qualify for the HARP program, even though we have excellent credit and have never missed a payment. We contacted several banks and mortgage brokers trying to refinance, and nobody was able to do anything for us until we met Tammy Hajjar at The Federal Savings Bank. She worked with us and our financial advisor, and together we came up with a creative solution that allowed us to refinance.

We now have much lower monthly payments, a lower interest rate, and feel good about our mortgage. The process of refinancing can be long and challenging, but Tammy and Tony, and the whole team at The Federal Savings Bank, were friendly and kind at all times - they really worked with us (and for us!) and kept us informed every step of the way. We are grateful to them for helping us improve this one area of our financial lives!!

- Jen and Erik B. - October 2014, Hull, MA
My husband and I were in the process of buying our first home and were extremely clueless in how it all worked. Tammy and her team went above and beyond to not only do their part of the job, but guide us throughout the entire process. They were always prompt in answering emails and giving us guidance that had our best interests in mind. We felt like we could ask any question, or ask for any recommendation, and we knew that Tammy and her team would give us a truly honest answer in what would work best for us and our situation. Thanks again!!!

- Jennifer and Anthony C. - January 2016, Rosemont, IL
This is my 3rd mortgage and the best experience of any I have ever had dealing with a lender! Tammy and her team at The Federal Savings were easy to work with and I would recommend them to anyone looking to buy a house.

- Jim L. - June 2016, Colorado Springs, CO
Thank you! The process was very easy on my. I appreciate all the great work you and Anthony put forth throughout the process. Ir was such an easy process and you both kept me informed and offered me a great rate. Overall, I will definitely contact you again for a mortgage on a new home or another refinance.

- John L. - August 2015, Chicago, IL
Tammy and her team are a top-notch group. The entire financing process is tedious but with Tammy driving the process, I felt at ease. I have worked with Tammy several times in the past and will continue to look to her for all future financing.

- John L. - August 2015, Chicago, IL
Tammy, Anthony and their team were fantastic to work with. Not only are they friendly, but they are right on cue with direction and follow up. We did not have to worry that they were looking out for our interest at any point. We have already recommended their services to a friend and will reach out to them when we are ready to purchase again. Great TEAM! Thank you for making this process stress free.

- Julie and Craig B. - June 2016, Park City, UT
Tammy was a pleasure to work with. We ran into some problems with another lender, but Tammy was able to work with us and make sure we understood every step in the process. Being first time home buyers, we were very nervous and unsure about many things regarding buying a home. Tammy was able to calm those concerns and make sure we were comfortable with the entire experience. Tammy and her team were great and we would happily recommend them to others.

- Justin and Ashley B. - February 2015, Chicago, IL
Tammy and her team were always quick to respond to emails and calls. This was our first mortgage so we had no clue what to expect, it was comforting to know that we could ask anything (even more than once) and get a fast, friendly reply! They also took the time to explain things from top to bottom, taking much complication and concern off our shoulders.

- Karolyn F. and Jim K. - June 2016, Chicago, IL
This is someone with tenacity and the highest level of professionalism! After we got underway, she continued to be there to answer our many questions, was very responsive and extremely knowledgeable and followed the process through every stage. It is obvious that Tammy is someone who has an exceptional work ethic and seeks to problem solve and find and fill a customer’s need.

- Keith G. - August 2015, Green Lake, WI
I would like to sincerely thank you and your team at The Federal Savings Bank for the help you gave my family and me with closing my recent mortgage loan. As you know this can be a stressful time and you and your professional team were excellent at keeping the process moving forward and most importantly keeping the communication lines open as we quickly breezed through the process. This is the third time I have chosen The Federal Savings Bank for a mortgage loan and I will certainly use you and your team again in the future.

- Kelly G. - May 2016, Saint Simons Island, GA
Tammy and her team are rockstars! Their communication throughout our home-buying process, along with their stellar customer service, made our experience “fun". Not once did I ever lose confidence that things would go well because they continuously exceeded my expectations. I would recommend them to everyone I know with no reservations.

- Kevin Y. - September 2015, Chicago, IL
I wanted to take this opportunity to thank you and your team for the outstanding customer service you provided me and my fiancée throughout the entire process.

Your team went above and beyond to address the multiple questions and concerns we had as first time home buyers.

We will certainly recommend you to family and friends in the future.

Thanks again!

- Kim O. - May 2016, Chicago, IL
My husband and I were referred by our agent to Tammy Kim Hajjar at The Federal Savings Bank and she was great to work with! As first time home buyers, my husband and I were a little stressed about understanding all of the details and making sure we were making the right decision. Tammy was awesome! She came to our house twice to review details, got creative with our mortgage so that it would work out best for our finances and she even showed up at closing with a bottle of Veuve Clicquot!

Slam dunk:) Ask for Tammy!

- Kristen and Jeff T. - May 2015, Chicago, IL
Tammy and her entire team were wonderful, from start to finish. Most of my questions were answered before I could ask, and I felt informed, comfortable and confident all the way through. The team was able to turn around my loan extremely quickly and were attentive and responsive at all times. I cannot recommend Tammy & Co. strongly enough!

- Kyle L. - October 2016, Chicago, IL.
It was a pleasure working with you and your whole team. Genuinely great caring people. Thank you for getting the job done. I know it was challenging. You and your team will definitely get 5 stars from me!

- Laura V. - October 2016, Chicago, IL.
I have to take a moment to tell you what a miracle Tammy Hajjar is. Having been recommended to us by a friend, we first met with Tammy while at another lender, and followed her to FSB. From the start her expert knowledge and sincere eagerness to understand our specific needs turned the intimidating process of buying our first home into a joyful experience.

Whether scribbling out diagrams or providing interactive spreadsheets of her own design, Tammy always took time to provide us the tools we needed to make great decisions. Beyond that, she made quick sense of the complex math, and helped us leverage creative options we never would have seen.

At multiple points during our closing, (a record-time short sale) Tammy explained some of the clever mechanisms we’d taken advantage of, and all the lawyers and agents in the room gave a collective “wow”, wishing they’d thought or heard of them before. Tammy helped us both understand and navigate incredible complexity with an inspired touch only afforded those who love what they do. Thank you TFSB!

- Liam H. - July 2015, Chicago, IL
Wonderful experience by the team.

- Marilyn Z. - July 2014, Chicago, IL
I am a business owner and in all my years of experience in dealing with various entities, never would I have expected that this would be actually be a pleasure! I could only hope that my own employees would provide the level of service I received from yours. I wouldn’t hesitate to refer this team to any of my associates, personal and professional.

- Marisa G. - August 2015, Green Lake, WI
Now that our boxes are unpacked and we’re settled into our new home, we’d like to take a moment to acknowledge the outstanding service we received from Tammy Kim Hajjar and her team at The Federal Savings Bank.

When we were seeking a mortgage lender to purchase a home in Boston, I immediately contacted Bernie Miller. I worked with Bernie when I was living in Chicago and stayed in touch with him when I relocated to Wisconsin. Bernie placed us in the very capable hands of Tammy Kim Hajjar. Tammy contacted us immediately and took the time to get to know us, understand our financial needs, and answer any questions we had. She followed-up the phone call with a detailed spreadsheet to help explain all costs associated with our mortgage and home purchase.

Tammy or a member of her team was in constant contact with us, our realtor, and our attorney throughout the three month process from pre-qualification, searching for a home, making an offer, and closing. We sensed that the sellers and even our own realtor and attorney in Boston had some reservations about us working with an “out of town” lender. These concerns were quickly alleviated as they came to know the professionals at The Federal Savings Bank. As can be expected when engaging in a real estate transaction from 1,000 miles away, we encountered a few bumps along the way. Tammy and the professionals we worked with at The First Federal Savings Bank were proactive in helping us resolve any issues that arose.

We would highly recommend Tammy Kim Hajjar and The First Federal Savings Bank to anyone seeking a home mortgage.

- Mark and Wendy D. - July 2015, West Roxbury, MA
You and your team were amazing! Thank you for your guidance and hand-holding through this process. My family thanks you tremendously.

- Marvin M. - April 2016, Deerfield, IL
After working with Tammy Hajjar the past few months, I've realized she is VERY knowledgeable. She explained everything so it made since to me. Tammy was always there if I had questions about something and made sure to keep me up-to-date about what was going on. She made everything seem so easy-and it really was with her. I would recommend Tammy to others!

- Mary C. - March 2016, Barlett, IL
I can't thank you enough for your patience and promptness in all our communications. Five star rating doesn't seem enough but you'll be sure get one from me. Wishing all the best to you and your team.

- Mary Ellen G. - August 2016, Chicago, IL
Tammy and her team were very knowledgeable and friendly. They are extremely responsive and answered all questions. I was most impressed with the turnaround and how quickly we were able to close. I wouldn’t hesitate to recommend Tammy to others.

- Matt M. - August 2016, Munster, IN
It was a pleasure working with Tammy. She was fast, efficient, and great to work with. She went above and beyond to answer our questions, address our concerns, and find us a mortgage tailored to our needs. We are very happy we decided to work her - it was a great experience.

- Mauricio A. - October 2014, Chicago, IL

Buying a home is very stressful and can be very confusing, particularly for someone who does not have a financial background. Tammy Hajjar and her team at The Federal Savings Bank were patient and kind through the whole process; they boiled down all the rates and the terms and the acronyms in to information we needed to make the right decision. It wasn't easy, but Tammy always had our back and went above and beyond to make sure we got the best available loan at the lowest possible rate.

- Meagan and Jim M. - April 2016, Prospect Heights, IL
The entire Tammy Hajjar team was thorough, thoughtful and treated me and my prospective mortgage as if I were the sole customer of the bank and that my business was their most important responsibility.

- Michael T. - October 2015, Chicago, IL
Working with Tammy and her team was one of the easiest parts in buying our first home. They took the time to explain everything to us, went over different options, answered every question we could possibly have, re-ran reports for us multiple times, and ultimately got us a great rate.

- Mike K. - November 2015, Chicago, IL
Tammy has been a pleasure to work with and I couldn't ask for anyone better to help me through this loan process. She helped us every step of the way and got us through every obstacle of the loan process. Tammy was very knowledgeable and helpful in making sure I understood everything that was going on and her pleasant, upbeat personality actually made the process quite enjoyable.

- Mike K. - June 2015, Chicago, IL
When we were ready to begin the mortgage process after being out of the home shopping experience for some time, we knew Tammy Hajjar was the one to contact. From the first call to the actual closing she was there every step of the way. The experience was exceptional because there were no surprises. Her thoughtful proposal of which loans and why helped us make the best decision for us. We had everything we needed such as a list of documents to prepare, timelines for the event and Tammy’s contact numbers regardless of day or time. Tammy’s ability to anticipate next steps and help put us at ease was demonstrated throughout the process. Tammy cultivates a relationship based on trust, support and unwavering commitment to excellence. The bonus for us was her attitude; pure sunshine! We would recommend her to anyone considering a large purchase and look forward to partnering with her again ourselves.

- Missy and Antonio S. - March 2015, Chicago, IL
Tammy and her team were truly fantastic to work with and I cannot thank them enough! I really appreciated the weekly check-ins and that everything clearly was explained to me so there were no surprises. I would highly recommend Tammy to anyone and look forward to working with her in the future!

- Natalie M. - March 2016, Chicago, IL
Tammy and her team truly went the extra mile to ensure our first home buying experience was a FUN experience! We had a 30-day close, and while we had some initial doubts that all of the paperwork could be completed, Tammy and her team OVER DELIVERED! Tammy was timely, informative, and made the entire experience enjoyable. Thank you Tammy and Team!

- Nick B. and Kerry C. - February 2015, Chicago, IL
Tammy and her team have made this whole transaction painless and exciting. Not only were they knowledgeable but also efficient and precise. If you have the option, go with this team!

- Nicole and Levi E. - September 2015, Chicago, IL
Thank you all at The Federal Savings Bank for making our dream of owning a home a realty. I should have send this earlier but I hope you understand we're still cut up in this wonderful moment. You and your outstanding team we sincerely believed worked so hard to pull this off. I actually started with 5 banks for the mortgage but stopped talking with the rest after my first conversation with you. The first time I talked to you and Mr. Tony, you made me believe I have the right people and the true professionals to work with. Your response to any concern or issues were always prompt, detailed and satisfying. From our family to the outstanding team at Federal Savings Bank, THANK YOU!

- Nurudeen A. - October 2015, Chicago, IL
Tammy and her team were excellent to work with. They are true professionals and kept everyone on track.

- Patrick and Laura F. - May 2016, Chicago, IL
The team led by Tammy Hajjar at The Federal Savings Bank was the most efficient and responsive group of mortgage and banking professionals that I have dealt with in over thirty years of real estate transactions. I was provided information in a clear and concise manner in a format that most business professionals are accustomed but is not found in the mortgage industry.

There were no surprises with this team. I highly recommend utilizing Tammy Hajjar and The Federal Savings Bank team.

- Pete L. - May 2016, Chicago, IL
We recently closed on a new home purchase in our town. Working with the team from Federal Savings Bank was a great experience. With their expertise, the process went smoothly and everything was completed on time.

- Peter and Sue H. - December 2015, Glenview, IL
I have done business with Tammy Hajjar in the past. She has been Amazing! Refinancing my home with Federal Savings Bank was an easy process. Tammy Hajjar and her team made the experience a pleasant one. I was kept informed throughout the entire process.

- Robert P. - July 2015, Chicago, IL
I want to take the time to thank each and every person I worked with at Federal Savings Bank. Tammy Kim Hajjar and her team was fantastic. Tammy and Tony Borrello consistently kept in touch and answered all questions that I had. Michelle in underwriting was awesome, as was Tammy's assistant, Soly. As a former analyst I was in awe at Tammy's very helpful spreadsheet. Everything Tammy and her team did made the purchasing of my condo so much easier. I have already referred a friend to use their services. Thanks again!!!

- Ruby H. - March 2016, Chicago, IL
It was a pleasure working with you and Anthony. Will recommend you to ALL My friends and family. Our experience working with you was the best we ever had with any loan officer. You were kind, courteous, and more than accommodating to our needs. You are the best! Thank you so much.

- Ruth T. - October 2015, Justice, IL
We just closed on a house last week through The Federal Savings Bank, with the most magnificent/efficient team I’ve ever worked with Tammy Hajjar, Senior VP and her team: Anthony Borrello, Michele Brusky and many more. Not only were they polite and extremely efficient, but got the job done within 6 weeks of when we first put a bid on our house. That was just amazing. We knew what to expect and when to expect it throughout the entire process. They always answered calls/emails promptly and you were ALWAYS in the loop, ie. Touch-base Tuesdays.

I will refer all friends and family to the Tammy Team, knowing they’ll get the best service there is to offer. Again, they were an informative, fun, calming group of people to work with. My husband always tells me that he enjoys working with people who know what they’re doing and this group definitely does.

- Sharon and Tony J. - June 2016, Wonder Lake, IL
We've never had a smoother close process, ever. The timelines were very tight with some complexity in our situation and the Federal Savings Bank team navigated the process very smoothly and took all the stress on themselves! I can honestly say we were never worried throughout the process. They were professional, intelligent, informative and played the role of advisors throughout our process - including providing tech support, counseling and advisory support on the best products for our situation. We couldn't be happier and would recommend them and use them again.

- Shivani D. - April 2016, Deerfield, IL
Tammy, Anthony and the entire team at The Federal Savings Bank are the consummate professionals. Their hard work, dedication and superior customer service are unsurpassed.

Our loan was processed quickly and efficiently and our questions were always answered in a fast and friendly manner. The team surpassed our expectations, meeting deadlines on time and staying in close contact us throughout the entire process.

We look forward to continuing our relationship with Tammy Hajjar's team on future loans.

- Stephanie and Harald J. - May 2015, Chicago, IL
We just recently bought our first home and Tammy Hajjar of The Federal Savings Bank in Chicago made this a wonderful experience.

Tammy’s competence, professionalism, and delightful presence made working with her and her team a great experience. We can highly recommend Tammy and truly believe that without her this process would not have been as positive.

- Tanja P. - March 2015, Chicago, IL
Your team and you are a total ROCKSTAR! We had an absolutely amazing experience during the whole mortgage process. Your team and you were able to help us accomplish almost impossible in such a little time that it doesn't even feel real yet! We were able to move into our dream house only because of your efforts and guidance throughout. Last but not least, your professionalism is commendable!! Thank you for all you do!!

- Taru and Manish K. - January 2015, Chatham, NJ
I am very thankful to have had the opportunity to work with Tammy Hijjar and her team. Through every step of the process they were communicative and supportive. I appreciated their consistent communication throughout the process.

- Toby W. - Chicago, IL, September 2016
My transaction went very smoothly thanks to everyone on Federal Savings's side and I was very prepared also. I think perfect combination of both parties and both should be very happy with the results.

- Tony S. - Hoffman Estates, IL. September 2016
You were very helpful and fun to work with. One thing that stuck out was you were always available if I had questions. Additionally, you made it very easy to understand all the craziness that was going on, which I really appreciate as a first time home buyer. If I hear of any friends looking to purchase in the near future, I will 100% recommend that they go with you as there mortgage lender. Thank you for everything, you rock.

- Trent W. - October 2015, Chicago, IL
Even when it's the right thing to do, the idea of refinancing is daunting. For several years, I knew I should take advantage of lower interest rates, but never acted. Then one day, I was introduced to Tammy Hajjar. And alongside her team (Hi, Anthony!), Tammy showed me that with knowledge, patience, and professionalism, the process can be just the opposite of what kept me on the sidelines. In fact, not only would I work with The Federal Savings Bank again, but I also urge anyone in a similar position [read: lazy] to contact TFSB today! Like, NOW!! Right. Now. (Seriously, these people are so accessible that I don't think they sleep.)

- Tyler M. - June 2016, Germantown, MD
It was a pleasure to work with a team that treated me like a person rather than just some business transaction. The team was accountable, trustworthy, and professional at all times, which gave me piece of mind while making such an important decision in my life.

- Yezenia G. - April 2015, Chicago, IL
Always a pleasure working with Tammy and team!

- Zach and Amy W. - March 2015, Highland Park, IL