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With 28 years of experience as a trusted mortgage advisor, Cynthia Thomas is passionate about helping clients navigate the home financing process with confidence. Whether you’re a first-time homebuyer or looking to refinance, her goal is to offer personalized, strategic mortgage solutions tailored to your unique goals. Known for her in-depth understanding of loan products, competitive market rates, and local real estate trends, Cynthia works tirelessly to ensure clients receive the best possible financing options. She is committed to making the mortgage process as straightforward and transparent as possible, guiding clients through each step with clear communication and expert advice. By building strong, lasting relationships with borrowers, real estate agents, and other professionals, she ensures every transaction runs smoothly, with successful outcomes. Her approach is rooted in trust, integrity, and a genuine desire to see clients succeed in achieving their homeownership dreams. Outside of work, Cynthia loves spending time with her family, enjoying the local seafood and her two doodles, Chewbacca and Sully.
Rating: 5.0 out of 5.0 from Encompass Mrs. Cynthia went above and beyond to make it happen for me as well as many others with her team! My realtor was amazing as well! If you are in the market to purchase a 1st time home, 2nd home or vacation home, Paige Joseph is your realtor and Annie Mac Home Mortgage Mrs. Cynthia and her team are the ones to MAKE IT HAPPEN!! I'd def use them again ... Ashley NicoleEastpoint, FL May 15
Mrs. Cynthia went above and beyond to make it happen for me as well as many others with her team! My realtor was amazing as well! If you are in the market to purchase a 1st time home, 2nd home or vacation home, Paige Joseph is your realtor and Annie Mac Home Mortgage Mrs. Cynthia and her team are the ones to MAKE IT HAPPEN!! I'd def use them again ...
Rating: 5.0 out of 5.0 from Encompass Cynthia by far was one of the best officers I have worked with. She was responsive, and helped pave the way for my first time buyers. Thank you Cynthia!!!! - Hailee Erica HaileeSopchoppy, FL May 11
Cynthia by far was one of the best officers I have worked with. She was responsive, and helped pave the way for my first time buyers. Thank you Cynthia!!!! - Hailee
Rating: 5.0 out of 5.0 from google Amazing people amazing team! They get the work done! Thank you guys so much for the knowledge and helping me close on my first home Cora Johnson Apr 28
Amazing people amazing team! They get the work done! Thank you guys so much for the knowledge and helping me close on my first home
Rating: 5.0 out of 5.0 from Encompass I'm a carpenter and do not use technology. Cynthia made the online process smooth and easy for me. She was patient and considerate with all my questions and concerns. I was surprised at how easy the process was. Thank you so much Cynthia. I appreciate everything you have done for me. Joseph AllenLanark Village, FL Apr 24
I'm a carpenter and do not use technology. Cynthia made the online process smooth and easy for me. She was patient and considerate with all my questions and concerns. I was surprised at how easy the process was. Thank you so much Cynthia. I appreciate everything you have done for me.
Rating: 5.0 out of 5.0 from Encompass Everything was explain very good, the staff seemed very professional and made things as smooth as possible and very friendly ChristopherSopchoppy, FL Apr 23
Everything was explain very good, the staff seemed very professional and made things as smooth as possible and very friendly
Rating: 5.0 out of 5.0 from Encompass a lender that ALWAYS goes the extra mile. Thank you again! Karen AnnCrawfordville, FL Apr 20
a lender that ALWAYS goes the extra mile. Thank you again!
Rating: 5.0 out of 5.0 from Encompass The kindness and caring through this process was greatly treasured. I appreciated Cynthia's compassion and honesty with each communication. Her wealth of knowledge, as told by others, was confirmed with my experience. Thank you! CathyTallahassee, FL Apr 16
The kindness and caring through this process was greatly treasured. I appreciated Cynthia's compassion and honesty with each communication. Her wealth of knowledge, as told by others, was confirmed with my experience. Thank you!
Rating: 5.0 out of 5.0 from Encompass The great communication and being on top of things Rebecca Leigh-AnnBristol, FL Apr 16
The great communication and being on top of things
Rating: 5.0 out of 5.0 from Encompass The loan team was filled with amazing people I couldn't have wished for a better team they got things done quick and were very knowledgeable on everything! CoraCarrabelle, FL Apr 15
The loan team was filled with amazing people I couldn't have wished for a better team they got things done quick and were very knowledgeable on everything!
Rating: 5.0 out of 5.0 from Encompass Constant communication and hard work that was done by the team. David EdwardCrawfordville, FL Apr 15
Constant communication and hard work that was done by the team.
Rating: 5.0 out of 5.0 from Encompass She was very informative and had excellent communication skills, which made the entire process a breeze. Truly wonderful to work with. Jeffrey LynCrawfordville, FL Mar 27
She was very informative and had excellent communication skills, which made the entire process a breeze. Truly wonderful to work with.
Rating: 5.0 out of 5.0 from Encompass Cynthia was very personable and wonderful to work with Woody ECrawfordville, FL Feb 18
Cynthia was very personable and wonderful to work with
Rating: 5.0 out of 5.0 from Encompass We had a fantastic experience with Cynthia and her team. Highly recommend! SylviaTallahassee, FL Feb 12
We had a fantastic experience with Cynthia and her team. Highly recommend!
Rating: 5.0 out of 5.0 from Encompass The easiest experience ever. Greatful! RandallTallahassee, FL Feb 10
The easiest experience ever. Greatful!
Rating: 5.0 out of 5.0 from google Such an easy process with Cynthia’s help! Cara Strain Feb 09
Such an easy process with Cynthia’s help!
Rating: 5.0 out of 5.0 from google Best and experience ever. She is knowledgeable in every aspect Randy Feb 02
Best and experience ever. She is knowledgeable in every aspect
Rating: 5.0 out of 5.0 from Encompass Cynthia was great with communication and quick to respond to both realtor and buyer! KelleyCrawfordville, FL Jan 29
Cynthia was great with communication and quick to respond to both realtor and buyer!
Rating: 5.0 out of 5.0 from google An Amazing team that care and go above and beyond for their customers and future home owners. They will do their job any time of the day to get you into your forever home. Boyanna Weaver Jan 10
An Amazing team that care and go above and beyond for their customers and future home owners. They will do their job any time of the day to get you into your forever home.
Rating: 5.0 out of 5.0 from Encompass Cynthia was always ready and able to walk us through the process to get us into our forever home. We had a dream and Cynthia made it come true. We have tried before and it was heartbreaking but it wasn't meant to be at that time. This time was our time and she made it happen thank to Cynthia and her amazing crew they didn't let anything stop us fro... Boyanna EEastpoint, FL Jan 08
Cynthia was always ready and able to walk us through the process to get us into our forever home. We had a dream and Cynthia made it come true. We have tried before and it was heartbreaking but it wasn't meant to be at that time. This time was our time and she made it happen thank to Cynthia and her amazing crew they didn't let anything stop us fro...
Rating: 5.0 out of 5.0 from google Cynthia Thomas is the BEST! I had to refinance my current loan and wasted too much time with another lender. Cynthia was quick and reassuring through the entire process. I couldn’t have asked for a better person! I will definitely use her again and recommend her to anyone I know. Joyce Feakes Jan 08
Cynthia Thomas is the BEST! I had to refinance my current loan and wasted too much time with another lender. Cynthia was quick and reassuring through the entire process. I couldn’t have asked for a better person! I will definitely use her again and recommend her to anyone I know.
Rating: 5.0 out of 5.0 from Encompass Cynthia and her crew went above and beyond to get us in our home asap. They really care about making sure all your information and paperwork is done so their is no unexpected issues come up during the loan process. They also make sure all of your utilities are up and running for your move in day. They even make sure that everyone is on they same pa... David DEastpoint, FL Jan 07
Cynthia and her crew went above and beyond to get us in our home asap. They really care about making sure all your information and paperwork is done so their is no unexpected issues come up during the loan process. They also make sure all of your utilities are up and running for your move in day. They even make sure that everyone is on they same pa...
Rating: 5.0 out of 5.0 from Encompass it was my first deal with Cynthia and couldn't have ask for a smoother transaction. LeeCrawfordville, FL Dec 21
it was my first deal with Cynthia and couldn't have ask for a smoother transaction.
Rating: 5.0 out of 5.0 from Encompass You made it great!! Comminication, knowledge, all of it! RebekahCrawfordville, FL Dec 19
You made it great!! Comminication, knowledge, all of it!