Phil Pallozzi was born and raised in the Capital District. He graduated from Siena College and was a certified Social Studies teacher with 15 years of public school teaching experience. Prior to working at The Federal Savings Bank, Phil spent time as a telemarketer, banker assistant and even had a real estate license. With over 20 years of experience in the mortgage lending industry, Phil's extensive knowledge on available programs such as VA and Conventional loans, has allowed him to develop the best plan to achieve their financial goals. He has worked for several mortgage businesses in the Clifton Park area. Phil always puts the customers' needs first as they make one of the most important decisions in their lives. He prioritizes making his clients feel comfortable with him and the company through honesty, respect, and clear communication to ensure that the loan process is a stress-free experience. Phil currently resides in Waterford. Outside of work, Phil enjoys watching old westerns and visiting the Saratoga Racetrack. He is a sports fan with his favorite teams being the Yankees and the Jets.