] Bair said the borrowing could be needed to cover short-term cash-flow pressures caused by reimbursing depositors immediately after the failure [...(FDIC) Chairman Sheila Bair said Tuesday (8/26/08) her agency might have to borrow money from the Treasury Department to see it through an expected wave of bank failures. Ms. Image via Wikipedia Federal Deposit Insurance Corp. There is a wide variety of lending institutions that offer home mortgage loans, including savings and loan associations, commercial banks, mutual savings banks, and mortgage companies. The lesson therefore is never limit yourself to just one option when you can have several.