Guidance You Can Trust. Results You Can Count On.

Meet Tom

When it comes to getting a mortgage, the process shouldn’t be overwhelming – and with me as your loan officer, it won’t be.

Over the years, I’ve had the privilege of helping hundreds of families secure financing for their dream homes. Whether you’re buying your first home, refinancing your current one, or somewhere in between, my approach is simple: provide honest guidance, clear communication and unwavering support, from start to finish.

Your Guide Through the Process

I believe every homebuyer deserves to feel confident in their decisions. I take the time to walk my clients through every step of the mortgage process – from reviewing loan options and discussing monthly payments to explaining closing costs and cash-to-close estimates. I encourage clients to complete an online application early on, which helps us make the most of our time together – whether we’re talking on the phone or meeting in person.

My team and I are in consistent communication with you throughout the loan process, so you’re never left in the dark about what to expect and what’s coming next. My goal is always a smooth, on-time closing – with no surprises.

Feel Like a Trusted Friend

Clients often tell me that I treat them like a trusted friend – and that’s exactly how I want them to feel. My guiding principle is the Golden Rule, and I treat every borrower the way I’d want my own family members or close friends to be treated. I genuinely put my clients' best interests first, even if it means advising them to walk away from a deal that doesn’t make sense.

Personalized Solutions for Your Unique Needs

No two buyers are alike, and I tailor my approach accordingly. Some clients are seasoned pros who need the basics and quick answers. Others, especially first-time homebuyers, appreciate more guidance and reassurance. Fortunately, I work with an incredible teammate, Kelly, who has a gift for walking new buyers through the process with patience and care.

At the end of the day, I know mortgages are largely about getting the best terms. If we can offer that, great. But if we can’t, we make sure to earn your trust in other ways: closing on time, communicating quickly and making sure every detail is handled correctly.

What Sets Me Apart

I’m not the guy who’s going to give you a flashy sales pitch – that’s never been my style. Rather than chasing leads, I focus on building relationships. I’m proud that my clients describe me as honest, responsive and trustworthy. I can connect with almost anyone, and I let my experience and reliability speak for themselves.

My job isn’t to “sell” you a loan. It’s to help you make the best possible financial decision – and feel good about it from start to finish.

Expertise & Specialties

1. Purchases
2. Jumbo Loans and Self-Employed Borrowers
3. Conventional Loans
4. Government loans: FHA, VA & USDA
5. Vacation/Second Homes
6. Refinances

Honors & Awards

• Bell Bank Mortgage President’s Club (2015 - 2024)
• Bell Bank Mortgage Platinum Club (2019 - 2024)
• Super Mortgage Professional – Minneapolis St. Paul Magazine (2016 - 2024)