Mortgage Loan Officers
John G. Kelly
Home ownership starts with a great mortgage plan, and experienced bankers you can trust. Whether you are buying or building a new home, or are already a homeowner in the community, Federal Savings Bank local and dependable service will assist you through the entire mortgage process. View our current mortgage rates.
Meet Our Lenders
FSB offers a wide array of products designed to meet your specific needs. If you’re not sure which program is right for you, or are considering refinancing your mortgage, call one of our loan officers, to get the expert advice and accurate information you need.
Adjustable Rate Mortgages
You may select from a variety of repayment terms including, zero, one and two-point programs, and low down payments. While your rate can go up or down according to changes in specified indexes, such as Treasury bills, this plan offers low monthly payments. If you are just starting out or relocate frequently, this may be the plan for you!
This plan offers a predictable, monthly payment and low down payments. Once you select a repayment option, your rate stays the same for the life of the loan. Choose from one and two-point programs, no-point, no-fee programs.
Home Equity Loans
You may select from both fixed and adjustable rate programs. Use the equity in your home to consolidate debt, fund college tuition, buy a new car and more.
Our land loan rates are fixed for up to two years. If you own another property, 100% financing can be arranged. Let FSB help you turn a great location into a great home.
This plan offers no-point programs, interest- only payments for the first nine months, and fixed and adjustable rate options.
Benefits For New Mortgage Customers
FSB brings you CreditGUARD CoachTM, a completely secure site, where you can get a free credit report, tools to monitor and improve your credit, and explore ways to strengthen your financial future. Visit CreditGUARD Coach now.
Whether you are in the market to buy a new home, or are remodeling your existing home, expenses add up quickly. FSB has teamed with Genworth Financial to offer you a variety of discounts from a number of vendors, including Home Depot and JC Penny. Discounts are available for up to 12 months after your FSB home loan closing. To access these rewards, you need a lender participation code and an ID, provided at the time of closing.