Elevate Your Mortgage Career with Build Buy Refi, Powered by The Federal Savings Bank

join America’s Veteran-Owned Bank, built by mortgage bankers for mortgage bankers.

Go Further, Earn More

Operate coast to coast without additional state licensing. Leverage unique loan products—including a $50,000 Consumer Loan, ITIN Construction, and our vast portfolio of Construction and Renovation Loans, 90% Investor Loans, Non-QM, and more—to skyrocket your pipeline. Step into a culture that rewards excellence, supports work-life balance, and values service first.

A Note from The Chairman

“At The Federal Savings Bank, our vision is to help families achieve their homeownership dreams. We accomplish this by maintaining trust as a core value. As Chairman and CEO, I take my responsibility of giving you more ways to say ‘yes’ seriously. I welcome you to The Federal Savings Bank and invite you to learn more about how we can support your success.”
—John Calk, Chairman & Chief Executive Officer

Who We Are: Possibly The Best Kept Secret in Mortgage Lending

While others lead with suits in corner offices, we're driven by mortgage professionals who've walked in your shoes, from the frontlines to the boardroom.

Since 1995, we've crafted a powerhouse that puts our bankers' success first, while delivering the kind of 5-star experience that turns borrowers into raving fans. It's a simple formula: when you win, we all win.

As The Federal Savings Bank (TFSB), we're not just another name in lending. We're a federally chartered, FDIC-insured institution with veteran ownership at our core. This unique blend of military precision and deep expertise gives our bankers an unbeatable edge:

• One License, Limitless Reach: Our federal charter means you can close loans in all 50 states without the headache of multiple licenses. Less red tape, more results.

• Customer Love That Shows: Our 4.93/5 Zillow® rating isn't just a number—it's thousands of families thanking us for making their homeownership dreams real.

• Proven Performance at Scale: We're ranked in the Top 20 for retail mortgage volume (National Mortgage News), but we're not chasing numbers. We're chasing excellence.

• Nationally Recognized Excellence: Featured on Fox Business, CNBC, Investopedia, Military.com, and more, plus ranked among America's Top 20 Best Workplaces—our reputation speaks for itself.

At BuildBuyRefi.com, powered by TFSB, you're not just a number—you're part of an accomplished team dedicated to helping more families achieve the American Dream.

Why Join Us: Advantages for Mortgage Bankers Looking To Build Billion-Dollar Pipelines

1. Build A Billion Dollar Pipeline

   • We empower mortgage professionals with proven tools, cutting-edge systems, and targeted marketing strategies that accelerate pipeline growth. Our comprehensive platform helps top performers like you build sustainable billion-dollar businesses. We don't just help you close loans – we help you build a lasting, scalable career in mortgage lending.

2. Operate Nationwide, No Extra Licensing

   • Leverage our federal charter to close loans coast to coast—from primary homes to vacation properties, from rural areas to major metro markets.

3. Expand Your Pipeline with Exclusive Products

   • $50,000 Consumer Loan (aka “The Smart Loan”): Give borrowers extra funds to consolidate debt, cover closing costs, or boost credit scores—unlocking bigger mortgage approvals.

   • 30% Off Real Estate Agent Commissions: providing you with real estate agent relationships who stand out.

   • ITIN & Non-QM Products: Serve an underserved demographic—including construction loans for ITIN borrowers.

   • Commercial & Jumbo Construction: Tap into high-value deals and specialized financing for renovation, new builds, and commercial ventures.

4. Financially Stable, Veteran-Owned Institution

   • Enjoy peace of mind from a stable deposit base, FDIC insurance, and an ownership that understands the mortgage industry inside and out.

5. Join Our Top Performers Club

   • We celebrate production excellence through the Chairman’s Club, with incentive trips to exciting destinations (Cancun, Barcelona, Machu Picchu, Florence) and enhanced branding to showcase your elite status.

Core Lending Solutions

We offer standard agency products to handle every type of borrower scenario:

• Fixed-Rate & Adjustable-Rate Mortgages

• FHA, VA, USDA Loans

• Down Payment Assistance Programs

• Reverse Mortgages

• Jumbo Loans

Backed by a robust in-house team and decades of combined experience, these foundational loans help you serve everyone—from first-time homebuyers to seasoned property investors.

In-House Portfolio & Specialty Products

When “one size fits all” doesn’t fit, we offer flexible solutions for broader borrower scenarios.

• Portfolio Bridge Loan
  Help borrowers buy first, sell later, and eliminate contingency stress—ideal when timing is everything.

• Second Home & Investment Loan Products
  Support clients looking for vacation homes or seeking to expand their rental portfolios—with flexible guidelines that accommodate diverse goals.

• Commercial Loans
  Capture high-margin deals in commercial real estate, ranging from small businesses to large-scale developments.

• Non-QM Lending
  Offer alternative qualification methods—such as DSCR Programs, Bank Statement Loans, 1099 Income, Asset Depletion, and Foreign National financing—to serve borrowers who may not meet standard agency criteria.

Result: More tailored options for unique needs, fewer declined files, and a distinct competitive advantage in today’s market.

ITIN Purchase, ITIN Construction, & Investor Loan Programs

ITIN Home Loans & ITIN Construction

Stand out from competitors by offering one of the few in-house ITIN construction programs available. We accommodate some of the highest loan-to-value (LTV) ratios for non–U.S. citizens, whether they’re purchasing or building a home. Our dedicated in-house portfolio team ensures smooth approvals for:

• ITIN Purchases & Construction: Empower clients to build their dream property from the ground up, or purchase an existing home under flexible guidelines.

• High LTV Allowances: Provide greater financing to qualified ITIN borrowers, potentially reducing out-of-pocket expenses.

• Personalized Underwriting: Our in-house committee reviews exceptions based on compensating factors, so more deals can close successfully.

Investor Loans

Further expand your reach by catering to real estate investors seeking scalable financing on rental properties and beyond:

• Up to 90% LTV: Some of the highest investor loan-to-value ratios in the industry, allowing borrowers to minimize their cash down.

• Close in an LLC: Ideal for professional investors who prefer a business entity structure for property ownership.

• Property Types: Single-family homes, condos, and 2–4 unit properties—all eligible for both purchase and rate-term refinances.

• Compatible with the $50K Consumer Loan: Borrowers can combine our Smart Loan with their investment financing to fund renovations, ADUs, furnishings, or other enhancements that maximize ROI.

By featuring robust ITIN and investor loan options, you’ll carve out a valuable niche, capture untapped demand, and reinforce your reputation as a go-to lender for specialized financing needs.

Construction Loans

Your clients’ dream home might not exist—yet. Through TFSB’s decades of construction lending experience, we offer:

• 1x & 2x Close Construction

• FHA & VA Construction

• ITIN Construction

• Conforming & Jumbo

• Stick-Built, System-Built, Log-Built, Modular & Manufactured

• Construction-to-Permanent options

Our in-house experts provide the knowledge, speed, and support that make these often-complex deals smooth for both banker and borrower.

Expanded Product Offerings

*$50,000 Consumer Loan (“Smart Loan”): A Unique Financing Advantage

Stand out in competitive markets by offering your borrowers up to $50,000 in unsecured or secured personal financing—separate from their main mortgage. Whether they’re buying, building, refinancing, or remodeling, this exclusive loan helps them tackle big ambitions and unexpected expenses, before, at, or after closing.

Why This Loan Sets You Apart

• Boost Borrower Qualifications
  By consolidating debt or paying off credit cards, your clients can lower their DTI and potentially qualify for larger mortgages—helping you close bigger deals.

• Fund Mother-in-Law Suites & ADUs
  Borrowers can use this loan to add a rental property, create a guest house, or build an Airbnb—turning their real estate purchase into an instant income opportunity.

• Enhance the Borrower Experience
  Funds can go toward home furnishings, major renovations, or unexpected costs—removing financial roadblocks and ensuring a smooth transaction.

• Flexible & Fast
  As a stand-alone product, it’s underwritten in tandem with the mortgage, allowing quick approvals and timely disbursements. No extra collateral is required, making it easier for borrowers to access their cash.

How It Benefits You as a Banker

• Close More Deals
  This extra loan can save transactions that might otherwise fall through due to insufficient funds, credit challenges, or high debt.

• Differentiate Yourself
  Few lenders offer a $50K Consumer Loan alongside a mortgage. This unique perk can fuel referrals from agents and borrowers seeking creative financing solutions.

• Leverage In-House Portfolio Flexibility
  Our internal loan committee evaluates exceptions based on compensating factors—leading to more approvals and a higher success rate, even for clients with non-standard situations.

• Veteran-Owned, FDIC-Insured Confidence
  Partner with a financially strong, 50-state institution that stands behind every loan, even in unpredictable market conditions.

Important Note: The $50K Consumer Loan is available exclusively to borrowers who are processing or have closed a mortgage with us, making it a truly specialized tool for you to attract and retain higher-quality clients.

*30% Off Real Estate Agent Commissions: A Game-Changer for Your Clients

Elevate your value to borrowers by offering one of the most significant real estate commission discounts available in the country. Through our exclusive partnership with a leading real estate firm, your clients can save up to 30% on agent commissions—but only if they aren’t already working with another Realtor. This game-changing benefit applies to residential homes, land, and commercial properties, giving you an unparalleled tool to attract and retain borrowers.

Why This Matters to You as a Mortgage Banker

• Boost Your Competitive Advantage
  By extending substantial commission savings, you differentiate yourself from other lenders and stand out as a one-stop solution provider.

• Enhance Affordability & Close More Deals
  The commission discount can free up thousands of dollars for closing costs, interest rate buydowns, or additional cash reserves—ensuring more loans successfully reach the finish line.

• Nationwide Reach
  Whether your borrowers are purchasing a first home, vacation getaway, or commercial investment, this partner network likely serves their market—so you can offer a consistent benefit.

• Streamlined Transactions
  When clients use this recommended partner, their agent and our lending process can work hand-in-hand, reducing miscommunication and expediting closing.

• Foster Client Loyalty & Referrals
  Saving clients money builds trust and goodwill. Satisfied borrowers often become repeat customers and refer you to friends and family.

Important Note: This commission discount is exclusively available to borrowers who choose our partner real estate firm and do not have an existing agent. It’s one of the most compelling ways to add value in a competitive marketplace—positioning you as the trusted Mortgage Banker who offers truly unique cost-saving solutions.

Advanced Lending Tools & The 24-Hour Mortgage

In a fast-paced market, speed matters. That’s why we’ve developed:

• The 24-Hour Mortgage

  • Conditional approvals in as little as 1 day, letting your clients move quickly on offers.

• E-Close

  • Minimize paperwork with a secure, digital closing experience.

• Cloud-Based LOS & CRM

  • Manage loans, run automated underwriting, and track leads seamlessly with advanced, bank-approved technology.

• Real-Time Analytics & Pricing

  • Make data-driven decisions and lock in rates confidently.

Marketing & Brand Support

Beyond just great rates, we empower you with top-tier marketing resources:

Personal Webpages & Targeted Ads

• Every banker in our division receives a custom loan officer page on BuildBuyRefi.com, as well as on the corporate TFSB site, plus support for PPC campaigns and lead capture funnels.

CRM: Nextopoly (Powered by HighLevel Experts) and The Gold Standard (Powered by Total Expert)

• Automated Journeys & SMS: Guide prospects through every stage of the loan process.

• Lead Capture Apps: Perfect for events, open houses, or social gatherings—collect data on the spot.

• Extensive Marketing Library: Ready-to-use email, social media, and print collateral to engage veterans, first-time homebuyers, and Spanish-speaking clients.

Social Media Management

• Full-Service Packages: Our marketing team can handle your content strategy, including reels, videos, and audience-specific promotions.

• DIY Option: Or, if you prefer direct control, tap our library of pre-made designs and post them yourself.

Print & Event Support

• High-quality business cards, flyers, postcards—and event materials like banners and tablecloths for maximum brand presence.

• Spanish-language resources to penetrate Hispanic markets with confidence, including in-language flyers, emails, and website content.

Training, Coaching & The Chairman’s Club

We Invest in Your Growth

• One-Day Intensive Onboarding: Learn bank policies, compliance fundamentals, and product guidelines—fast.

• Ongoing Webinars & Workshops: Stay current on industry updates, marketing trends, and advanced lending scenarios.

• Senior VP Mentorship: Our leadership team averages 20+ years in the mortgage industry, ready to guide you through complex deals.

Chairman’s Club: Recognizing Elite Producers

• Exotic Destinations: Past winners traveled to Cancun, Barcelona, Machu Picchu, Florence, and more.

• Enhanced Branding: Special business cards, email signatures, and social highlights.

• Exclusive Networking: Build relationships with top performers across the bank.

Culture & Values

Veteran Values Meet Mortgage Expertise

• Service & Integrity: Our veteran-led heritage prioritizes ethical lending and honest communication.

• People-Centric & Collaborative: We succeed when our bankers succeed, so we cultivate a supportive, high-performance environment.

• Work-Life Balance: Through automation, streamlined processes, and efficient tech, we free you up to live while you grow your pipeline.

From leadership to loan ops, every facet of TFSB believes in providing you with the tools, trust, and training to reach new milestones in your career.

Frequently Asked Questions (FAQ)

Ready to Elevate Your Career?

Step into a highly respected, financially sound environment that blends a federally chartered bank with the modern, entrepreneurial spirit of BuildBuyRefi.com. From nationwide lending and unique loan products to state-of-the-art marketing and chairman-level recognition, everything is designed to help you thrive as a top-producing Mortgage Banker.

Take the Next Step

Schedule your confidential call with one of our Senior Vice Presidents to discuss:

• Onboarding & Compensation

• Exclusive Product Access (ITIN Construction, $50,000 Consumer Loan, Non-QM)

• Marketing & Tech Support

• Culture & Career Growth

Click Here to Schedule

BuildBuyRefi.com | The Federal Savings Bank
Equal Opportunity Employer: We consider applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, or disability status.

Your Nationwide Opportunity Awaits

Join us in helping families across America create a place called home—while you build a billion-dollar pipeline that sets you apart in the mortgage industry. Experience the difference of a veteran-owned, mortgage-banker-led organization that gives you the tools, trust, and traction to elevate your success.

Become part of BuildBuyRefi.com, powered by The Federal Savings Bank—where your future is unlimited.

Schedule A Call To Change Your Future Today!