Thomas Anthony Higgins

Matthew Bach

11 months ago

5/5

Working with MorningTide Financial Group was truly an incredible experience from start to finish. Tom and Ula went above and beyond at every step of the process. They were supportive, knowledgeable, and genuinely cared about making sure everything went smoothly for us. What could have been a stressful and overwhelming journey ended up being painless, enjoyable, and completely stress-free thanks to them. They answered every question, walked us through every detail, and made us feel confident and comfortable the entire time. You can tell they truly love what they do and care deeply about their clients. I would recommend Tom and Ula to absolutely anyone looking to buy a home. They made such a big moment in our lives feel easy and exciting, and we are so grateful for everything they did for us. MorningTide Financial Group is the best in the business, hands down. Highly recommend!

Suneel D

a year ago

5/5

Superb experience working with Tom Higgins and Morningtide Financial. This is my 3rd time working on a house with him over a 16 year period. And yet again, a fantastic smooth process from start to finish. Tom and Ula really go out to bat for all their clients in every way possible. They are highly knowledgable in the mortgage industry, and I would strongly recommend them to anyone buying a house!

Carrie Li

a year ago

5/5

Tom and Ula are such an incredible team!! As first time homebuyers, they were with us every step of the way guiding us through the process. Tom was always available to jump on a call early in the morning or late at night to explain in detail so we understood everything. Ula was extremely detailed in going over all the submitted documents and knew exactly what needed to happen for the loan to be approved. Their knowledge is unrivaled and they know all the ins and outs of the mortgage world. Overall, we couldn’t have found a better mortgage broker and we are so happy we worked with Tom and Ula!

Daniel Jordan

a year ago

5/5

Tom has been fantastic to work with. During our first mortgage application, he took the time to explain every step and number in detail, answer all of our dumb questions, and chased us for documents to get through the process efficiently. While working on a refinance, Tom tracked rates for us, providing updates through a volatile market and locked in an amazing rate saving us hundreds a month when other lenders couldn't beat his original rate. Couldn't ask for anyone better!

Tyler Hiu

a year ago

5/5

We were very happy with our experience with Tom and Ula at Morningtide. They offered competitive rates and were incredibly knowledgeable about the mortgage process, which was invaluable for us as first-time homebuyers. Tom and Ula helped us close very quickly, communicated effectively throughout the process, and provided excellent overall service. We highly recommend them!