Get to know Thomas
Tom is a financial planner turned Mortgage Loan Officer. He is known as the "Mortgage Doctor" for his ability to solve problems, build the credit scores of clients, and save people money on their mortgage. Tom originates conventional, FHA and VA loans. He is an expert in Federal Home Loan Bank assistance programs. As a real estate investor for 20 years, he also specializes in helping clients build wealth and income through the purchase of rental properties.
Why choose Thomas?
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Brokerage info
Questions? Thomas has answers.
We prompted questions to Thomas so you can learn more about their skills, preferences, and availability.
The Mortgage Doctor can make house calls, meet at a Chartway branch in the Virginia Beach/Norfolk area, or have a facetime conversation. I typically begin with an initial phone consultation.
I have a document checklist. To start, we need W2s for two years, last 30 days of pay stubs, and statements for checking, retirement, and other assets. Mortgage statement and home ins for refinance.
I can originate a loan in any state. The application is online and I'm available 24-7 at 757-284-1722. Currently helping a buyer in Lexington, Kentucky
I encourage clients to start the conversation and get prequalified before they contact a real estate agent. We will discuss your credit score, debt to income ratio, and cash needed to close.
No surprises Tom. I put together a plan and timeline for all borrowers. I try to anticipate problems and collect as many documents as I can up front. Home buying should not be stressful.