William Christopher Photo

William Christopher

Area Senior Vice President


  • Chairman's Club
    2021, 2022
Bill Christopher graduated with a BA in finance from Virginia Tech in December of 1983 and then immediately started in the mortgage business. Since that time Bill has helped thousands of customers realize their dream of home ownership. Bill takes great pride in providing honest and dependable service while guiding borrowers through the vast array of available mortgage programs.

Bill’s office is located in the heart of Alexandria, VA where he serves as a senior vice president and office production manager for The Federal Savings Bank. He is thrilled to work for a bank that was founded by former loan officers who understand what it means to deliver a best in class experience to our customers.

Bill is a lifelong Virginia resident and lives in Vienna with his wife and two daughters. He enjoys all things outdoors including hiking, biking, and skiing. He’s also a big Washington Nationals fan and loves to cheer them on. Bill and his family attend Vienna Presbyterian Church and love the small town feel of Vienna amid the hustle and bustle of Northern Virginia.


Nelson & Bill, we want to thank both of you for your outstanding service and guidance throughout this process. It's been a true pleasure working with you and we will be sure to recommend you to anyone looking for a mortgage! Dorothy and I are so grateful for all of your help and for making our first time homebuying experience a success.

- Aaron and Dorothy J
Bill and his team were great and continue to be great as they are processing another refinancing for us. Been telling clients and office mates to call.

- Andre P
Thank you, Bill! We own a house on the bay, thanks to you. You’ve been delightful to work with. Appreciate all you and Nelson did to get us across the finish line. My gratitude.

- Andrea B
Thank you again for everything. Bill, Nelson and the entire team have been great.

- Andrew M
Bill and Nelson are the best in the business. Once again, thanks for your outstanding work.

- Brad L
The banker, Bill Christopher, was very professional, knowledgeable and thoughtful. Would highly recommend to others.

- Brett S
Bill, Nelson, and the rest of the Team are excellent!! This was our third refi (2nd house) with them since 2014. They far exceeded expectations from the beginning of the process to closing. We thank them for their professionalism.

- Carl and Milne Y
Bill and Nelson at The Federal Savings Bank were absolutely a dream to work with! They made every part of the home buying process seamless and fun!

- Chloe S
Bill, I just want to let you know that we went to closing this morning and everything went smoothly. We can't believe the great deals that you were able to get us! Thank you so much for working with us again. All the best.

- Cora and Brett J
Thank you for everything, we are extremely satisfied. It was a pleasure working with you. You all made this process look easy and provided a 5 star personal touch.

- Corey T
Bill, thank you so much for the delightful message. It was an absolute pleasure working with you and Nelson. I have to tell you, he is the perfect person I could have worked with. Everything was done so well and so professionally. I am glad my sister and brother in-law are working with you. If I am ever in the Old Town area, I hope I can drop by and say hi. Thank you amazingly for everything you and your company did for me.

- Elaine J
Great personal customer service. I felt that the team was was working hard on my behalf. I would not hesitate to recommend them.

- Elizabeth D
Bill Christopher was great to work with. He has so much knowledge about the loan process and is extremely pleasant in our interactions. I will recommend Bill to anyone I know looking for a mortgage. My loan approval process was very difficult because of recent regulations due to COVID and the fact that I own several businesses, but Bill was great to let me know everything that was needed and did it with such a pleasant demeanor. He is fantastic!

- Garrett W
Bill and Nelson were excellent, from beginning to end. They never once failed to answer a question, allay a concern, or set proper expectations. I always felt they had our best interests in mind. I implicitly trusted Bill and his recommendations. I could not be happier. You have won a life-long customer. Thank you!

- Issa C
Bill is fabulous. Between home purchases and refinancing, I have worked with him 5 times. Excellent service, great knowledge. Prompt. Helpful. Cannot say enough about him.

- Jacqueline C
Truly fantastic experience! It was a pleasure working with you and I look forward to recommending The Federal Savings Bank and working with you in the future.

- Jason F
A smooth process from start to finish.

- Jillian F
Bill Christopher was outstanding! I understand this in an unprecedented busy time in the mortgage business, but despite that, Bill and his team were proactive, responsive and on top of things throughout the process. I would recommend him without any reservation.

- Judith S
Bill is fantastic! He is super patient and great about explaining every little thing you may not understand. Excellent education. I've had the pleasure of working with him on two home mortgages and two refis. I never want to work with anyone else.

- Kate B
Thank you so much for everything you and the rest of your team did for me and Tiffany!! Everything went so smoothly and it was really because of you guys!! I cannot thank you enough for looking out and for all the hard working time you guys have spent working our documents. I hope we do cross paths again! Take care.

- Leina B
Bill and Nelson were fantastic. Kept us informed throughout the process going above and beyond the call of duty. They are very patient, understanding people. Bill worked hard to get us a great rate, as construction delays kept pushing closing dates out. I will certainly recommend him to anyone I know who needs a mortgage loan.

- Lewis M
Bill and Nelson are phenomenal. I completely trust that they'll get my file to settlement and that they'll take excellent care of me. Thank you for excellent communication and service!

- Lindsey S
Bill & Nelson are fantastic! They are communicative, professional and courteous and always get the job done. They are always amazing, going above and beyond to take care of me. Thank you!!

- Lindsey S
I've been thinking of you and Nelson and what a knockout job you did in helping me get into this new place. It definitely was a whirlwind, but you all made this intimidating process much easier with your help.

- Lisa G
Very appreciative of the support I received! Last time I got a mortgage was 17 years ago and my husband did all the leg work, so I was very intimidated by the process. Fortunately, Bill and his support staff Nelson were super on top of things and very willing to answer even the smallest of questions. Thank you!

- Lisa G
We could not be happier with Bill Christopher and his team, particularly Nelson Waisberg. What a great experience. We would highly recommend Bill to anyone looking to finance a home. Thank you.

- Matthew J
Really appreciate Bill's communication and willingness to walk us through the process. He was super responsive and made me feel like I was his most important customer.

- Matthew K
This is my third mortgage with Bill. He and Nelson are outstanding from start to finish. Awesome as always. Thanks Bill and Nelson!

- Michael S
We had a fantastic experience from start to finish. Any question we had was answered promptly and everything was smooth for us!

- Natalie R
Bill and Nelson are the best! I was a first time home buyer when I first met Bill, and he did everything in his power to make sure I understood the process, provided all the best options and really looked out for my best interest. He is a God send. Nelson has also been a blessing. Anytime I had a question, or was hesitant about something in my initial disclosure, he took the time to explain the pros vs the cons and what I could expect. Nelson also gave me recommendations on how to save money while paying my monthly payments. As long as Bill and Nelson work for The Federal Savings Bank, I will be purchasing all of my homes through them. If they leave, that's where I will follow :). Thank you both for making a really sad time for me a really rewarding new start.

- Natasha W

- Nick M
Thank you so much for your kind words. Amanda and I sincerely appreciate all your and your team's hard work. Everything went off exactly as we planned and without a hitch. Like I told Nelson, we had one hell of team working with us. Amanda and I were really lucky to have worked with you guys and we're absolutely ecstatic to be able to move into a house. It's honestly a dream come true :) Best wishes to you and your family!

- Nick M
Bill is absolutely fantastic. I also very much enjoyed working with Nelson. Together they made a stressful process relatively easy. The communication and client service was wonderful. I really appreciated all of the hard work that they put in to get my refinance accomplished. I will recommend them and continue to use them for my future mortgage needs. Thank you so very much!!

- Nicole C
Bill was amazing. And Nelson was also really good and thorough. And they were both super responsive to my questions and needs. Great job!!

- Rachel F
Bill is highly responsive and professional. He is able to quickly answer my questions and provide good market rates.

- Raul O
Bill is the best.

- Robert and Marian L
This has been my second home mortgage refinance with TFSB in the past couple of months and, once again, William and Nelson have been excellent from start to finish. My wife and I love dealing with them, as they always clearly communicate what is needed and answer questions promptly. We would highly recommend TFSB due to our positive experiences. The portal is also a great asset, as it is very user-friendly.

- Robert R
I couldn't possibly be more pleased with my refinancing experience. William and Nelson assisted me through every step of the process; from document and information collection, to monitoring rates, to locking in the right deal, and then on to closing. They were always courteous and understanding. I would definitely recommend William and Nelson to anyone I know looking to get a mortgage or to refinance. Thank you!

- Robert R
Everything was fantastic. 10/10.

- Ryan and Allison W
Bill Christopher and Nelson Waisberg were exceptional. I would not hesitate to recommend them to friends and family.

- Scot H
Closing happened without a hitch. The closing Agent said it was the best closing she has seen. A huge shout out and thanks!

- Scot H
Bill and Nelson are a great team. Refinancing has a reputation of being laborious, but the process couldn't have been easier. Really like that we were able to upload and sign documents online. Thank you guys!

- Scott G
You've been an absolute pleasure this entire process. You've diligently answered any and all of our questions, been constantly available, and we both somehow enjoyed the process of taking out a loan. We REALLY, REALLY, REALLY appreciate you both. Excited for the next steps. Thanks for everything.

- Sean W
Bill and his team are amazing! I'd reach out to him again for my next mortgage.

- Shubha D
Working with Bill, Nelson, and the team was a fantastic experience. The amount of knowledge these guys gave me for our first time experience was incredible. They made my wife and I so at ease even with the crazy times we currently are in. They were available at any time throughout the process for any questions I had and had the absolute best intentions for us the entire way through. I found a group that I will use for the rest of my home buying time from here on out.

- Skyler O
Responsive to questions and concerns. I trusted their information and felt they had my best interest in mind. Straightforward answers. Thank you for the attention to detail and great client care!

- Steve and MarCinda B
Absolutely amazing service. It was a stressful time to be a first-time home buyer and the team at The Federal Savings Bank made sure things moved along smoothly. I couldn't be happier with our experience and have already recommended the bank to two friends who are about to start their house-hunting process.

- Taylor M
Thank you for everything Bill! Working with you and buying this house was probably the easiest transaction we have ever done. It’s been harder to get a burger at a drive thru than to buy this house!! You and Nelson were incredible!!

- Traci R
My first impressions of Bill and Nelson were that they would perform quickly and carefully, and would expect the same diligence from us. All parts of your process were clearly explained, and answers to my questions came back immediately. Despite nearly exclusive use of email, e-signatures, etc. and no face-to-face contact due to the pandemic circumstances, I found all communication very professional. At the same time, their messages encouraged my efforts, showed thoughtfulness about my bouts of uneasiness about meeting expectations, and established a collegial sense of teamwork. They even tossed in touches of humor at appropriate moments. Thank you, and let me end saying, "Well done, much appreciated and best wishes as you serve future clients of The Federal Savings Bank."

- Wayne R