Home purchase loans
Mortgage options support new home purchases.
Javier Garcia - The Federal Savings Bank
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About Javier Garcia - The Federal Savings Bank
Mortgage lending is the core service, supporting home purchases and refinancing for borrowers. Options include FHA, VA, USDA, jumbo, physician, bank statement, low down payment, and veteran loans. The business also offers down payment assistance guidance, rate-lock options, accelerated approval timelines, and a Same-Day program with options as little as 3% down. A HELOC can be requested online in five minutes, with funds available in as few as five days and no in-person appraisal required. Personal loans are also available, with applications completed in minutes and funds delivered in days. Javier Garcia serves as Senior Vice President and Producing Branch Manager, bringing more than 23 years of finance experience to clients across the Midwest. Services are available in Chicago.
Disclosure: Profile information has been compiled from publicly available sources and has not yet been verified by the business.
Representative photos. Illustrative images for this category, not photos of Javier Garcia - The Federal Savings Bank and not provided by the business.
At a glance
- Service area
- Midwest
- Credentials
- NMLS: 217343, Member of his local real estate agent association
- Team
- Javier Garcia is Senior Vice President and Producing Branch Manager, leading a team of mortgage bankers.
- Lock ‘N’ Roll rate lock for 60, 75, or 90 days without a signed contract
- Same-Day program offers loan approval in one day with options as little as 3% down
- Foreign National loans do not require a social security number, green card, visa, or FICO score
From www.rate.com, checked 22 Oct 2026. Only what the business states on its own website.
Services
- Home purchase loans
- Refinancing
- HELOC Apply in 5 minutes; funds in as few as 5 days
- Personal loans Apply in minutes
- Down payment assistance Grants and programs from federal and local governments
- VA loans Listed as a low down payment loan option
- FHA loans Listed as a low down payment loan option
- USDA loans Listed as a low down payment loan option
- Bank Statement loans For self-employed borrowers; no tax returns, W2s or pay stubs required
- Jumbo loans
- Reverse mortgages For homeowners over 62
- Physician loans Includes paid mortgage insurance and as little as 5% down
As listed by Javier Garcia - The Federal Savings Bank. Prices as published by the business and may change.
Services & specialities
Highlights
Mortgage refinancing
Refinance an existing home loan.
HELOC and personal loans
Apply online for HELOC or personal loan funding.
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