Our Services
Ready to stop overpaying for real estate? At Agent Fee Discount, we're turning the industry on its head with savings that put thousands back in your pocket. From revolutionary loan programs to game-changing commission discounts and rock-solid banking services, we've built something different—a financial powerhouse that actually fights for YOUR bottom line.
Whether you're buying your first home, building your dream estate, or hunting for investment properties, our award-winning team delivers solutions that other lenders can't touch. No corporate nonsense. No hidden fees. Just straightforward savings and service that's earned us top ratings across the board.
Loan Programs We Offer
Don't settle for one-size-fits-all financing. Our arsenal of loan options is designed to match every situation, credit profile, and property vision—with the flexibility to say "yes" when others say "no."
Government Loans
Break down barriers to homeownership with our government-backed FHA, VA, and USDA loans. Perfect for first-time buyers, veterans, or rural property hunters, these programs deliver with minimal down payments and terms that work for real people.
For our veterans and military families: Our VA loans aren't just good—they're exceptional. CNBC & Investopedia rated us the Best VA Construction Loan Lender in the country, and we wear that badge with pride. You served us; now let us serve you with the financing respect you deserve.
Conventional Loans
Want traditional financing without the traditional headaches? Our conventional loans deliver competitive rates and straightforward terms for buyers with strong credit profiles. Ideal for standard home purchases or refinances, these loans give you the predictability you need without unnecessary complications.
Jumbo Loans
Dream bigger without limits. Our jumbo loans are built for high-value properties that exceed standard loan caps. Whether you're eyeing a luxury home, multi-unit property, or expansive land parcel, we've got the financial muscle to make it happen anywhere in the country.
ITIN Loans for Foreign Nationals
No Social Security number? No deal-breaker here. Our specialized ITIN loans help foreign nationals and non-citizens invest in U.S. real estate with confidence. Don't let bureaucracy stand between you and your American property dreams.
Non QM Loans
Don't fit inside the box? Good—neither do we. Our non-qualified mortgage (Non-QM) solutions are perfect for self-employed entrepreneurs, investors, and anyone whose financial life doesn't match traditional lending checkboxes. We look at alternative income documentation, asset utilization, and more to find your path to approval.
Portfolio Loans
When conventional lenders say 'impossible,' we say 'let's make it happen.' Our portfolio loans stay on our books, giving us the freedom to approve properties and situations that scare off other lenders. Unique properties, special circumstances, creative solutions—this is where we shine.
Loan Types We Offer
Whatever your real estate ambition, we've got a loan type engineered to match. Our expertise has earned us top national rankings from industry heavyweights like Investopedia and CNBC—because we deliver results when others can't.
Purchase Loans
Ready to buy? Ready to SAVE? Our purchase loans come with a game-changing bonus: up to 30% off real estate commissions nationwide. That's thousands of dollars staying in YOUR pocket on homes, condos, land, or commercial properties. Why pay full commission when you don't have to?
Refinance Loans
Transform your current mortgage into something better. Whether you're hunting for a lower rate, shorter term, or cashing out equity, our refinance options give your property the financial refresh it deserves. Fast, flexible, and focused on increasing your bottom line.
Construction Loans
Building from scratch? You've found your financial partner. Named Best Overall Construction Lender and Best VA Construction Lender by Investopedia, we're the go-to experts for custom homes, log cabins, manufactured homes, and everything in between. From foundation to finishing touches, we make the building process financially seamless.
Renovation Loans
Turn that diamond-in-the-rough into your masterpiece. Our top-rated renovation loans cover everything from minor updates to complete overhauls. We've even showcased our expertise on Lifetime Channel's Military Makeover with Montel Williams—because transformation is in our DNA.
DSCR Rental Loans
Building a rental empire? Start here. Our Debt Service Coverage Ratio (DSCR) loans focus on property cash flow rather than personal income, making it easier to scale your investment portfolio without the typical financing roadblocks. Unlock the power of passive income with lending that thinks like an investor.
Consumer Loans
Need extra financial firepower? We've got you covered. Unique in the industry, our up to $50,000 consumer loans are available before, at, or after closing. Use them for renovations, emergencies, or anything else—this is flexibility that NO other bank we know offers. Why limit yourself when you can have options?
Commercial Loans (Case-by-Case)
Business property financing that means business. We review commercial loans individually, ensuring you get a tailored solution that aligns with your investment goals and cash flow realities. From mixed-use developments to retail spaces, we've got the commercial expertise you need.
Depository Bank Services
Beyond real estate, we're a full-service financial institution you can trust. Our FDIC-insured depository services keep your money safe, accessible, and growing—all under one roof with your real estate savings.
Checking Accounts
Banking shouldn't be complicated. Our straightforward checking accounts provide the access and features you need without unnecessary fees or hoops to jump through. Manage your money with ease, wherever you are in the U.S.
Savings Accounts
Watch your money grow with competitive rates. Our savings options are perfect for building your next down payment, preparing for property taxes, or simply strengthening your financial foundation for future real estate moves.
CD Accounts
Lock in higher returns with total confidence. Our Certificates of Deposit provide security and predictability for your money, creating a rock-solid component in your financial strategy as you prepare for your next real estate victory.
Why Choose Our Services?
We're not just another financial institution—we're a movement to transform how Americans buy, build, and bank. Our accolades and nationwide impact set us apart, ensuring you get elite-level service and unprecedented savings.
Top-Rated Excellence
Our trophy case speaks for itself. We're recognized as a top 10 VA loan lender nationwide with awards from industry leaders:
CNBC: Best Rated VA Construction Loan Lender
Investopedia: Best Overall Construction Lender, Best VA Construction Lender, and Best Manufactured Construction Lender
Bob Vila and Military.com: Top-rated for specialized renovation and construction
A+ BBB Rating and Stellar Zillow Reviews: Because customer satisfaction drives everything we do
Top Rated Mortgage Workplaces: Our team excellence translates directly to your experience
Featured on Lifetime Channel's Military Makeover with Montel Williams, our reputation for excellence isn't just marketing—it's verified by the toughest critics in the industry.
Unmatched Commission Discounts
We're attacking the purchase market with veracity, offering what we believe is the highest pre-negotiated real estate commission discount in the country—up to 30% off on ANY property type, ANYWHERE in the United States. No caps, no limits, no exceptions. Just thousands back in your pocket on every transaction.
Veteran Owned Values
Founded by veterans, we bring military-grade dedication and integrity to every service we provide. From loans to banking to commission savings, our mission is clear: deliver excellence while fighting to keep more money in YOUR hands, not the industry's.
Ready To Save With Us?
Whether you're financing a home, building from the ground up, or managing your money, our services are engineered to help you win the real estate game. Why settle for standard when you can have exceptional?
Tools to Get Started
See your savings in black and white. Use our Home Loan Calculator or Real Estate Agent Fee Discount Calculator to quantify exactly how much our services put back in your pocket compared to traditional options.
Take The Next Step
The path to savings starts with a single click. Visit our Contact Us page to call, check eligibility, or book a consultation with a banker about our exclusive programs. Don't wait—your financial breakthrough is waiting.
CHECK YOUR ELIGIBILITY NOW
Don't leave money on the table. Partner with the service provider that's redefining what's possible in real estate and finance.
Call Us 24/7
(844) 999-0639
To speak with a banker or check program eligibility, call anytime.
QUICK LINKS
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.
*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 AgentFeeDiscount.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.
AGENTFEEDISCOUNT.COM, POWERED BY THE FEDERAL SAVINGS BANK, 4120 WEST DIVERSEY AVENUE, CHICAGO, IL, 60639, UNITED STATES (844) 999-0639
