Use up to *$50,000 in cash to furnish, remodel, or invest — and save up to 30% on real estate agent fees when you buy or sell through us.
Discover the Secrets to Our Almost Perfect Rating
4.9/5 User Rated
Trusted by hardworking families chasing the dream of homeownership
3000+ Recommendations
From hard working Americans — not bought reviews or corporate fluff
Top Rated Reviews
Zillow, Google, Facebook & more — your voice drives everything
This Isn’t Your Local Bank’s Loan Quiz
No SSN required. No credit pull. No risk. The info you share on this eligibility form is only used to check general eligibility against our banks loan programs — based on what you tell us. We never pull your credit (not even a soft pull), and we don’t ask for sensitive data like your Social Security number at this stage. Your information is never sold. If you decide to move forward, your banker will walk you through next steps and confirm before running any credit check. Until then, it’s 100% no-pressure, no-obligation.
As Seen In
We’re Not Like the Lender Your RE Agent Recommended.
And It Shows.
Our team isn’t here to “just run the numbers” — we’re here to unlock better deals, bigger approvals, and smarter ways to buy.
Home Loans in All 50 States — Nationwide Power, Local Precision.
Hundreds of Loan Options — Smarter Paths to Get You Approved.
Fast In-House Underwriting — Speed You Can Feel at Closing.
Top-Rated Nationwide — 5 Stars, A+ BBB, and Trusted Everywhere.
Your Local Bank Can’t Compete With This.
Programs built to win offers — and funding options your local bank can't provide.
01
More Buying Power. More Flexibility. Less Bank B.S.
We’re a nationwide, direct FDIC-insured lender offering custom loan programs other banks can’t touch — including broader approvals, smarter solutions, and better options in all 50 states.
02
Real Bankers Who Strategize — Not Just Push Paper.
Our team doesn’t just "process loans." We structure deals, optimize approvals, and fight for better rates, timelines, and loan terms — making your offer stronger in a competitive market.
03
Up to *$50K Extra — Before, During, or After You Buy.
We created a game-changing option for qualified borrowers: an unsecured loan of up to *$50,000 to use however you need. Renovate, furnish, or invest — available before, at, or after close.
Not Everyone Gets It.
But If You Do — Use It Right.
Up to *$50K in extra cash is on the table. Here's how smart buyers put it to work.
Furnish It Fast
Beds, couches, appliances, even a full kitchen setup — make your new place move-in ready from day one.
Build A Backyard Oasis
Add a hot tub, patio, fire pit, or outdoor kitchen. Your new space, your way — no waiting years to enjoy it.
Ditch The Debt
Pay off high-interest cards or auto loans to free up your monthly cash. Get breathing room right away.
Renovate It Right
Want a dream kitchen, luxe bathroom, or bigger shower? Use your upgrade funds now — not “someday.”
Add a Rental or ADU
Convert a basement, garage, or guest space into a cash-producing unit — and help offset your mortgage.
Make It Pay Off
Start a home-based business, upgrade your tools, or set up your shop — and keep your savings intact.
We Make You Our Priority.
If You Have A Better Offer,
We'll Tell Ya, Not Hard Sell Ya!
*Our consumer loans are only available to mortgage customers of The Federal Savings Bank
We’re Not Just Another Bank — We’re Your Advantage.
Veteran-Owned. Results-Driven.
If you qualify, our Smart Loan can work across all loan & property types — no games, no gatekeeping.
Up To *$50,000 Smart Loans Available Across All Major Programs: Conventional, FHA, USDA, VA, Non-QM, Bank Statement Loans, ITIN, Foreign National, and custom in-house approvals that most local banks won’t even look at.
Use It On Any Property Type: Primary residence, second homes, or investment properties — if you can live in it, rent it, or flip it, we’re interested in helping.
From Single-Family To 4-Unit+ And Everything Between: Condos, townhomes, triplexes, high-rises, you name it. We’ve got the greenlight for just about all of ‘em.
Even The Weird Stuff Gets Love: Modular, manufactured, log cabins, barndominiums, ICFs, SIPs, foam homes, 3D printed homes, ADUs — you’re not boxed in just because your house is.
Construction & Renovation? Covered: We offer purchase, renovation, home additions, debt consolidation, and cash-out loans — plus bridge loans and home equity lines.
*No hard credit pull required to see all of your available options.
Real Clients. Real Results.
Real Freedom.
Our Smart Loan is helping families, investors, and first-time buyers unlock homeownership — their way.
Benjamin Hart
Peoria, AZ
Jessica Edwards was amazing. She helped us navigate our primary construction loan and showed us how to use the Smart Loan to buy a modular in-law suite in the backyard for my wife's mom. We never thought we could do it all at once — now it's our dream setup.
Amina Khatib
Edison, NJ
I used the Smart Loan to furnish and finish the basement into a full rental unit. Bobby and his team made everything easy to understand, and the rate was better than what my local bank offered. Now I have a tenant paying most of my mortgage. Brilliant.
Kiara Monroe
Atlanta, GA
As a small-time investor, I used this program to renovate a duplex I just bought — without bringing in a partner or taking out hard money. This gave me breathing room and 100% control. Highly recommend Kenneth, especially for new investors.
No Games. No Suprises. No Hard Credit Pull To Start
We’ll guide you through your loan options — clearly and without impact to your score.
Veteran-Owned. Customer-Loved. Built to Fund More Dreams.
💡 Smart Loan FAQs:
Answers to Know Before You Start
For first-time buyers, investors, and anyone ready to buy smarter — not harder.
What makes this different from what my local bank offers?
Most banks only offer one standard purchase loan — with strict rules, no creativity, and very little flexibility. Our Smart Loan works with nearly every loan option we offer, if you qualify. It gives you access to extra funding traditional lenders don’t offer — and they’ll usually tell you not to apply anywhere else until after your loan closes. That makes it harder to act once a lender sees you just took on a big mortgage. Our approach gives you more control, more options, and real buying power.
Is this part of my mortgage or a second loan?
No — this is not added onto your mortgage and it's not a second mortgage or home equity loan. The Smart Loan is a separate, unsecured loan that does not affect your primary mortgage, and can be used before, at, or after closing.
When do I get the money?
You can access funds before, at, or after closing — depending on when you qualify. Because it’s unsecured, the loan doesn’t rely on your home closing to be funded.
Do I have to use the funds right away?
Nope. You can access the funds when you’re ready — before, at, or after closing — and use them however you like, on your timeline.
What can I use the Smart Loan for?
You can use the funds for nearly anything related to your new home — renovations, upgrades, furnishing, debt payoff, landscaping, appliances, or even adding a rental or in-law unit.
What types of mortgages does this work with?
The Smart Loan can work alongside most loan types, including VA, FHA, USDA, Conventional, Jumbo, Non-QM, DSCR, and even our own private portfolio loans. Ask your banker which combo works best for your goals.
What happens after I check eligibility?
You’re scenarios will run, and you will be instantly matched with a real in-house banker who reviews your situation and shows all the options you may qualify for based on parameters you provided. Many of our clients are pre-approved to build, buy, or renovate, depending on the property.
Will this hurt my credit?
Checking your eligibility will not trigger a soft or hard credit pull. It’s simply to show you what programs and options may be available to you. If you choose to move forward and expand your options, we may request a soft pull to better tailor your choices. A hard credit report is only pulled if and when you complete a full application. Our eligibility form is not a credit application — it's just the first step to understanding what’s possible without impacting your score.
See Your Smart Loan Options
With No Impact to Credit
Call Us 24/7
(844) 999-0639
To speak with a banker or check program eligibility, call anytime.
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POPULAR LOAN GUIDES
COMPANY
THE FEDERAL SAVINGS BANK IS NOT AFFILIATED WITH OR ACTING ON BEHALF OF THE FHA, USDA, VA, OR THE FEDERAL GOVERNMENT.
*Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.
*No SSN required. No credit pull. No risk. The info you share on this eligibility form is only used to check general eligibility against our banks loan programs — based on what you tell us. We never pull your credit (not even a soft pull), and we don’t ask for sensitive data like your Social Security number at this stage. Your information is never sold. If you decide to move forward, your banker will walk you through next steps and confirm before running any credit check. Until then, it’s 100% no-pressure, no-obligation.
*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 NationwideHomeLoansGroup.com 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.
USDANATIONWIDE.COM, POWERED BY THE FEDERAL SAVINGS BANK, 4120 WEST DIVERSEY AVENUE, CHICAGO, IL, 60639, UNITED STATES (844) 999-0639
