Access more borrowing power than your local bank with greater options than the big institutions.

Maximize Your Next Property Purchase with Up to $50,000* Extra In Unsecured Funds

Exclusively Through Our Bank; Qualified First-Time Homebuyers, Second Home Buyers, & Investors, Including ITIN Foreign Nationals May Be Eligible On All Loan Types & Property Styles To Use These Funds As They Wish, Furnish The Home, Remodel, & More. 5-Star Reviews & Ratings
Home Loan Bank, Maximize Your Next Home Loan With Up To $50,000 Extra Logo

Access more borrowing power than your local bank with greater options than the big institutions.

Maximize Your Next Property Purchase with Up to $50,000* Extra Unsecured Funds

Exclusively Through Our Bank;
Well Qualified First-Time Homebuyers, Second Home Buyers, & Investors, Including ITIN Foreign Nationals May Be Eligible On All Loan Types & Property Styles To Use These Funds As They Wish, Furnish The Home, Remodel, & More. 5-Star Reviews & Ratings Offers Up To 50K Extra On Your Next Home Loan For Eligible Borrowers
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100's OF LOAN




A+ BBB, & 5-STAR


We're Radically Different From Other Banks Offering Home Purchase Loans; We Aim To Transform The Industry By Providing You Greater Options & Increased Borrowing Power.

As a Nationwide Direct FDIC Insured Lender, providing options. in all 50 states, we set ourselves apart from the same boring banks by providing our customers more borrowing power & loan options.

You need bankers who will listen, experts that make the numbers work to your favor, who hit your closing on-time, and provide competitive advantages consumers need in today's market conditions.

Where our competition just offers standard home loans, we go above and beyond, by offering qualified borrowers access to extra unsecured capital to transform their buying experience.

The Purchase Cash Out Home Loan Awards & Accolades

Three Ways We're Different From Other Home Purchase Lenders.

  1. Nationwide Direct Lender: Serving all 50 states so you can find and buy anywhere in the U.S. We're highly rated (great 5-stars), heavily awarded, FDIC Insured, and an Equal Housing Lender.

  1. Our Own Loan Committee: We view every aspect of your request from home to income and assets, and seek compensating factors to find more ways to approve your loan, not deny it.

  1. Extra Borrowing Power: We offer qualified borrowers up to *$50,000 extra in unsecured funding to support your purchase, underwritten from the same credit pull, and accessible before or same day as your home closing.

Our Nationwide coverage, 5-star bankers, and our top-rated loan committee help approve the more complex scenarios, setting us far apart from the other banks you encounter.

With our unsecured loan, you can leverage additional financial power by immediately securing additional funds to use as needed, whether for your last home, this home, or the next!

Some customers choose to consolidate debt before closing, this lowers their debt ratio and increases their loan amount and negotiating power.

Use these funds for a home or room renovation, property expansion, furniture purchase, appliance upgrades, or anything in between!

This extra loan underwritten by us at the same time, gives you the flexibility to make your investment property dreams a reality. Funds can be accessed prior to or at closing.

No collateral required and fast approval times, enjoy the peace of mind that comes with knowing you have the resources you need to succeed. Discover the power of our unsecured loan and level-up your investment portfolio.

*Just keep in mind, this unsecured loan can not be used to fulfill down payment requirements.

What Can You Do With *$50,000 Extra?

Furnish A Single Room Or The Whole Home

Furnish A Single Room Or The Whole Home

You could furnish your entire home with new furniture, appliances, and decor. From a cozy living room to a fully equipped kitchen, you could create the home of your dreams.

Create A Backyard Oasis

Create A Backyard

Retreat Or Oasis

Let your imagination run wild with the possibility of turning a blank canvas of grass into a wonderful relaxation retreat. Add an outdoor kitchen, pool, hot tub, spa, or ice-bath, lounges, multi-tiered decking, or add fire-pits and water features.

Payoff High Interest Credit Cards and Automobile Loans

Pay Off High Interest Autos, Debt, Or Cards

Lowering debt is a smart financial move, surely when it comes to high-interest car loans, personal debt, or credit cards. By doing so, you'll free up monthly cash flow and reduce financial worries.

Renovate Your Home Inside, Outside, Or Both

Renovate Your Home, Inside, Outside or Both

Renovate your home, whether it's a kitchen remodel, a new bathroom, update all appliances, or even a complete makeover. This may not only improve the value of your home but also give you a more customized living space, perfect for you.

Design A Basement Rental or Build An DU

Design A Basement

Rental or Build An ADU

Increase your wealth or payoff your home faster by investing in the rental markets. Whether you want to be an AirBNB Host, design a basement or attic rental unit, or add an accessory dwelling unit to your backyard, this could be the time to start.

Create A Side Business, Hire Staff, Or More

Create A Side Business, Hire Staff, Or More

Need to hire help around the house, want to build a home office, start a new home-based business for extra income, or hire property rental management, the options are endless to use these funds as you wish, the next step is up to you.

The Options Are Endless....

*Our consumer loans are only available to mortgage customers of The Federal Savings Bank

What’s Special About 'The Purchase Cash Out Loan' And How Is It Different?

Offering Multiple Home Loan Options

Unlock A Whole New Market Of Homes To Shop For & Power Up Your Home Financing Potential with Our Wide Range of Options.

  • We're the direct lender, the bank, the team with the cash and the decision makers.

  • We won't share and sell your information to 5 or more companies who will call, text, spam you, and violate your data. We offer soft pull credit reports if not ready to make a decision, we underwrite, and fund in-house.

  • Options such as credit scores down to 580, down payment assistance programs, 2nd homes, investor loans, bank statement loans, ITIN funding for foreign nationals, 100% LTV purchase loan programs for Medical Pros, Veterans, USDA buyers and more.

  • Get up to *$50,000 EXTRA unsecured to use as you wish... Pay-off debt, remodel, furnish the home, and more. Offering you a huge difference when it comes to buying a new home. You could build out a rental unit, add onto the property, & so much more. Get creative and use the power of our money to your advantage.

(Messaging & Data Rates May Apply For SMS Text)

Unlock Extra Cash On Your Next New Home Purchase
Secure Loan Programs And Fast Service
Unlock Extra Funding On Your Next Home Purchase

So Many Loan Programs & Property Styles To Choose From, You Won't Have To Switch Banks Because We Don't Have It!

  • Conventional, FHA, USDA, VA, Non QM, Bank Statement Loans, ITIN Foreign National Financing, & In-House Portfolio Options, Committee Approval For Compensating Factors & More.

  • Great Construction Loans for Stick-Built, Modular, Manufactured, Log Cabin, Barndominium, Foam Homes, ICF, SIP, & ADU (Accessory Dwelling Units). As the style of homes evolves so do we.

  • Primary Residence, 2nd Home, & Investment Properties. We want to stay with you through the years.

  • Single Family, Duplex, TriPlex, 4-Family+, Condo, High-Rises, & Townhomes. We have you covered.

  • Hundreds Of Programs Including Construction, Renovation, Home Additions, Purchase, Streamline IRRRL Refi, Cash-Out, Debt Consolidation, Bridge Loans, and Cross Collateralization exceptions when needed.

Here’s What Our Clients Say

Real Reviews From Our Clients On Top Rated® & Zillow Sites, Photos Used Protect The Identity Of Our Customers.

Here’s What Our Clients Have To Say

Blue Quotation Mark Logo

Working with TFSB, Gus and Rosemarie we were finally able to turn our dreams into something attainable. We cannot thank them enough for the confidence and effort in their work to get us not only a mortgage but a consumer loan. Offering us the consumer loan to consolidate our debt made home ownership possible. They treat us like a friend not just a loan number.

The Purchase Cash Out Home Loan Review By Joni L.

Joni L.

Shirley, New York

Zillow Review

Blue Quotation Mark Logo

Whenever I had a question or a bump in the road - Robert was there to explain it to me and provide me with a resolution. Compared to my experience with other mortgage bankers, he puts them in the dust! My last interaction with another mortgage banker told me I can only do between 10%-20% down (which I already knew is not true being a banker) and it was a world of difference working with Robert. He explained to me all the scenarios between 3% down to paying cash in full. All in all, I would highly recommend Robert to everyone and without a question.

The Purchase Cash Out Home Loan Review By S. Lauefer

S. Lauefer

New York, N.Y.

Zillow Review

Blue Quotation Mark Logo

I've completed 4 or 5 loans with Saif and Richie. They work very hard to get everything together. They communicate consistently, but don't pester me. I've even had them compete with other lenders and they always win. Whether it's rate or service they get my business every time. I highly recommend working them. They're professional, competent, efficient, and great to work with in every way.

The Purchase Cash Out Home Loan Review By Micky P.

Micky P.

Salt Lake City, UT

Top Rated® Local Review

Apply Now and Experience the Benefits of Our Flexible Purchase Loan Options and Competitive Rates


*Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.

*Messaging and Data Rates May Apply.

*VA eligibility is required for VA loan products. USDA loans are only available in USDA-eligible areas as designated by the USDA.

*We do not offer new dealer-manufactured home loans in New York, but we do offer modular and site-built land and home construction.

*Qualification for up to $50,000 extra is for qualified borrowers and can be applied to all loan programs. This is a separate unsecured consumer loan we will underwrite in-house at the same time as your requested mortgage loan. Please contact your banker to request this program and the applicable rates, terms, and conditions. Consumer unsecured lending programs prohibit loan proceeds from being used for down payment.

REALTOR® is a registered trademark of the National Association of Realtors and is not affiliated with or The Federal Savings Bank.

†Subject to applicable law and lender approval, when represented by one of our participating real estate brokerage companies during the purchase or sale of a home or land, eligible Consumers may receive a rebate of up to thirty percent (30%) off of the fee to be received by the participating real estate brokerage company representing the respective Consumer, at closing, which rebate will be applied exclusively toward paying down that Consumer’s applicable closing costs. In no event shall any rebate be greater than the aggregate of all closing costs. Issuance of a rebate is subject to a participating real estate brokerage company’s receipt of its fee. The following states condition, or do not permit, the granting of a rebate by real estate brokerage companies (list is subject to change at any time): Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, New Jersey, Oklahoma, Oregon, and Tennessee. No remuneration is paid to The Federal Savings Bank or to any of our Bankers. This is a free program offered exclusively by us to help our consumers save on their real estate transactions. Logo Member FDIC, Equal Housing Lender, A+ BBB Rating

Member FDIC. Equal Housing Lender

NMLS# 411500

4120 W Diversey Ave, Ste C501, Chicago, IL 60639

A+ Better Business Bureau Rating

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