Blue Collar, Big Dreams, No B.S. – Get Up to *30% Off Agent Fees + $50,000 Extra to Make It Yours
Whether you’re laying pipe, stocking shelves, or pulling night shifts — we’ve got your back. Real savings. Real funding. All 50 states. We help you turn hard work into homeownership.
Discover the Secrets to Our Almost Perfect Rating
4.9/5 Star Average
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
Loans Available in All 50 States
Programs for Every Buyer
Fast, In-House Approvals
Trusted by Thousands Nationwide
Check What Loans You May Qualify For – No Credit Pull Required
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 Don’t Push Paper — We Help You Pull It Off
Straight Talk. Real Options. No B.S.
This was built for the folks who fix the leaks, drive the trucks, pour the concrete, and keep this country running — the ones who still wonder if homeownership is even possible.
Real Help. No Hand-Offs.
You won’t get bounced around. We match you with a banker who sticks — start to finish — fighting to get it done.
Straight-Up Communication
Call, text, email — we don’t hide behind support desks. You get real numbers, real updates, and real people.
Loan Options That Fit
Not "more of the same." We find smart loan options that work for your credit, income, and real-world goals.
Why Choose Us?
Most banks say “no new loans” during your mortgage. We say — let’s get it done smarter.
Fund projects without touching your mortgage
Get cash fast — no collateral required
Use it before, during, or after your home loan closes
Increase your buying power without increasing stress
Stay in control — no surprises, no bait-and-switch
What Would You Do With An Extra *$50K?
No rules. No fluff. Just real ways to put it to work.
Furnish Your Home
Set it up right — from couches and mattresses to a fully stocked kitchen. Your space, your way.
Build a Backyard Retreat
Add a patio, hot tub, fire pit, outdoor kitchen — whatever lets you breathe a little deeper when you come home.
Pay Off High-Interest Debt
Wipe out credit cards or auto loans. Lower your stress. Free up your monthly cash flow.
Renovate Inside & Out
Remodel your kitchen. Upgrade a bathroom. Replace flooring or roofing. From touch-ups to total makeovers — it’s your call.
Create a Rental Unit
Design a basement suite or backyard ADU. Use it to make income or house someone you love.
Launch a Side Hustle
Start a business. Build a workshop. Or invest in tools and training to level up. You call the shots — we help fund it.
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
More Loans. More Access. More Ways to Say Yes.
You bring the dream. We’ll bring the options most banks can’t.
Built for Real Life
Buy an existing home, build new construction, or renovate the one you’ve got — we’ve got flexible loans to make it happen.
Buy with scores as low as 550 and 640 on new build construction
Renovation + construction options available nationwide
Down payment & closing cost help in all 50 states
Ready for How You Work
You don’t need a W-2 to get approved. We offer creative solutions built for how real people earn.
Loans for 1099 and gig workers
Foreign national loans using ITIN #'s
DSCR loans for real estate investors
Bonus-Level Benefits
When you're ready to level up, we’re ready to go with you.
Jumbo renovation & construction loans — including portfolio options
Up to $3 million+ loan amounts available
Qualified borrowers can receive up to $50,000 extra in unsecured funds
Got Loan Questions? Let's Talk First.
No pressure & no credit check to chat.
01
Message Us Anytime
Start a real conversation with our loan team. No bots. No waiting.
02
Talk to a Real Expert
We’ll match you with a trusted banker who listens, not sells.
03
Get Real Options Fast
We’ll show you what’s possible — no pressure, no credit pulls.
Real People. Real Loans. Real 5-Star Results.
See why thousands of hardworking families trust us to help them buy, build, or renovate their homes.
Jermaine R.
Kansas City, MO
“As a first-time buyer, I was totally overwhelmed. I work construction, so paperwork and credit stuff isn’t really my world. These guys made it simple, explained everything, didn’t push, and found a loan that worked with what I had.”
Tiana Blake
Greenville, SC
I’m self-employed and didn’t think I could qualify. I’d been turned down before. But this team walked me through the whole thing and treated me like a real person. Super down-to-earth and honest. Never felt pressured once.”
Marisol Vega
Riverside, CA
“We needed help fast. My husband and I weren’t sure what we could afford with our credit, but they broke it all down, showed us our options, and even helped with closing costs. The process was smoother than I ever expected.”
Your Questions Deserve Straight Answers, Not Sales Pitches.
We skip the fluff and give you real talk about what’s possible — even if other banks said no.
Can I get approved with low credit or past issues?
Yes. We work with buyers down to 550 FICO in many cases. Been denied elsewhere? That doesn’t mean your journey stops here.
I’m self-employed or 1099 — can I still qualify?
Absolutely. We help gig workers, contractors, and entrepreneurs every day. No W2? No problem — we’ve got creative options that banks ignore.
Do I need to have a down payment ready?
Not always. We have 0% down options in all 50 states and programs that include down payment and closing cost assistance — even if you’re short on savings.
How fast can I get pre-approved?
Most clients get a soft-approval quickly, and a full file review in 24–48 working hours depending on the program.
Will this hurt my credit?
Not for the initial conversation. You can text or complete our quiz with no credit pull — we’ll walk you through what happens next before running anything.
What makes you different from my bank or credit union?
We’re built for real-life borrowers. You won’t get hand-offs, sales scripts, or dead ends. Just straight answers and smart loan options that actually fit your situation.
Call Us 24/7
(844) 999-0639
To speak with a banker or check program eligibility, call anytime.
Popular Loan GUIDES
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.
BlueCollarHomeLoans.com, POWERED BY THE FEDERAL SAVINGS BANK, 4120 WEST DIVERSEY AVENUE, CHICAGO, IL, 60639, UNITED STATES (844) 999-0639
