Federated Mortgage Services

Federated Mortgage Services has established a powerful reputation as a leading mortgage lender, serving the lending needs of real estate professionals, mortgage brokers, builders, and individual homebuyers throughout the state for over 38 years. As a premier service mortgage lender, we pride ourselves on our experienced staff that offers expertise in every area of mortgage lending. From purchase and refinance to residential and commercial lending, our lending specialists are dedicated to finding the right loan with competitive rates, terms, and costs to meet your unique needs. We provide regular loan updates and progress reports throughout the lending process, ensuring that you remain informed and up-to-date on the status of your loan.

Our Services

At Federated Mortgage Services, we offer an extensive range of loan products and programs designed to meet the diverse needs of our clients. Our loan products and programs include:

• Jumbo/Super Jumbo loans
• Portfolio Super Jumbo Loans
• Pledged Assets
• Adjustable Rates (3-, 5-, 7-, 10-year)
• Fixed-Rate (3-,5-,7-,10-year) Jumbo (15-,20-,30-year)
• Conforming Interest-only and balloon types
• Bridge Financing
• Second Mortgages
• Vesting title in Entities
• Hard Money Wholesale Lending
• Reverse Mortgages
• Private mortgages
• Commercial Lending

Our commercial lending services include:

• Permanent loans for the acquisition or refinance of industrial, office, retail, and multifamily properties
• Construction loans for the development of new properties or the rehabilitation of existing ones
• Bridge loans for short-term financing needs
• Mezzanine financing for equity investments in commercial real estate

At Federated Mortgage Services, we understand that every client is unique, which is why we offer a broad range of loan products and programs to choose from. We are committed to finding the right loan to meet your specific needs and financial goals.

Overview of Our Loan Process

At Federated Mortgage Services, we strive to make the loan application process as simple and efficient as possible. Once you select us to obtain your home loan, you'll be amazed at how quickly and smoothly the loan process moves. Here's an overview of our loan application process:

Step One: Prior to selecting a property, we offer a free pre-approval process. We strongly suggest being pre-approved, so when you are writing an offer, you will be required to issue a pre-approval letter at the time of negotiations. Most sellers want to be assured that the buyer has been pre-approved before accepting an offer. Once you've selected a property and have a contract with the Seller, the next step is to contact us for a loan application by phone or online request. If you are refinancing, the same process applies without the seller contact. At the appropriate time, we'll order a property appraisal for you.

Step Two: Your Real Estate Agent or the Seller will make suggestions and designate an escrow/title company to handle the funding of the loan, along with many other factors which make your purchase go smoothly. We will coordinate with the escrow team and you'll sign the final papers at their office. At any point, feel free to e-mail or call us regarding any questions you may have. We are here to personally help you through the entire financing process.

At Federated Mortgage Services, we are committed to providing exceptional mortgage lending services that exceed our clients' expectations. Contact us today to learn more about our loan products and programs and how we can help you achieve your financial goals.