About Tommy
Proudly serving clients across Florida.
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
Borrower Testimonials
Tommy Gainer took over the loan from another officer. That officer made a significant mistake that cost time and the first contract. Tommy was transparent, compassionate, knowledgeable, and very courteous. He completely turned a wrecked situation into a win. I would only feel comfortable referring a friend directly to him.Vanessa Brandon, FL
Working with Tommy on our first home purchase was an outstanding experience from start to finish. As first-time buyers, we had plenty of questions, and Tommy went above and beyond to make sure we understood every step of the process. His professionalism, responsiveness, and deep knowledge of the lending process made what could have been a stressful...Robert Valrico, FL
Working with Tommy was the best. He kept me informed through the process and made sure I understood everythingMyn-Yon Bartow, FL
Exceptional Lender – Highly Recommend! Working with Tomny through the Cash2Keys program was an absolute game-changer! The communication was excellent from start to finish — clear, timely, and professional every step of the way. He worked quickly, found creative solutions, and helped make what seemed like an impossible situation come together s...Tammy Lakeland, Florida
Tommy is an excellent partner and knows real estate extremely well. He follows up with what he says he will do, is creative, and very responsive. At the end of the day, he makes things happen and makes you feel confident along the way. Will definitely use him again as our expert in the future!Duston St. Petersburg, FL
Tommy knows his stuff .Joshua C Saint Petersburg, FL
- View more testimonials on Experience.com & Zillow.com