About Tommy
Proudly serving clients across FL, DE, MD, NC, PA, TX
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Borrower Testimonials
Tommy and his team were great!
Tommy did a great job with helping us through our home buying process, I would highly recommend his services!
Easy to talk to, and very understanding. quick and responsive when answering questions .
Tommy made this process so easy and smooth for us, he was there to help and answer all and any questions we had! Super helpful, and super kind!
the Team at Annie Mac made things as thorough and easy as possible along with being being available and helpful along the entire way I couldn't have picked a better team
Tommy went above and beyond and really made the process seamless. We even closed early! I really appreciated Tommy's expertise and willingness to break everything down. No question too silly. Thanks Tommy!
Tommy is an exceptional lender and a true problem solver. He is knowledgeable, responsive, creative, and always willing to go the extra mile to keep a difficult transaction moving toward closing. When others say a deal cannot be done, Tommy finds a way. I highly recommend him to anyone looking for a dependable mortgage professional.
Tommy is very knowledgeable about down payment assistance programs which is the reason I chose him. His skills far exceed anyone else I've encountered. I did what he said and had enough funds for closing. He put the deal together so well I actually brought no money to closing and ended up with 5% down on mortgage. It was amazing! I recommend Tommy ...
Tommy is exceptional! Always quick to answer or return calls, even when he's not at his office. He's thorough, proactive, and calm - giving me and referred clients a reassuring feeling. I'd refer Tommy to any client.
Tommy made the experience great, the communicated within coming contact with us throughout the process.
Tommy was great. Easy to talk with, always made himself available and explained everything clearly. Thanks again!
knows his stuff! He's been in the industry a very long time. He knows all the ins and outs and all the different steps like the back of his hand. Tommy had great communication throughout the process always kept everybody in the loop and had a great positive attitude that made the whole experience pleasant!
Working with Tommy was a great experience! Communication was always quick, clear, and easy to understand—no guessing, no chasing updates. We made it to clear to close in under three weeks, which honestly felt kind of seamless. Everything was handled so smoothly. Looking forward to working with him again!
Tommy and his team were fantastic. Always available for inquiries and they had a sense of urgency that I really appreciated. Tommy took the time to provide explanations for me as a 1st time home buyer that allowed me to fully understand each step of the way. I'm so pleased with how everything went, and would recommend them to friends and family any...
Everything was handled efficiently with a helpful friendly professional way. We were very pleased with our experience.
Tommy and his team were on top of it from the start. Friendly, knowledgeable, and always available. They handled every issue from start to finish like true professionals. Great experience!
Things were handled efficiently and always with a helpful through way.
keep up informed through the process
Tommy went beyond the basic customer service experience. He answered all of my questions, and responded to my phone calls and emails on time.
The way my clients were treated.
Tommy and his team were fantastic. Always available for inquiries and they had a sense of urgency that I really appreciated. Tommy took the time to provide explanations for me as a 1st time home buyer that allowed me to fully understand each step of the way. I'm so pleased with how everything went, and would recommend them to friends and family any...
Tom Gainer was awesome to deal with And knows how to get the deal done
Tommy Gainer is hands-down the lender I trust most—both for my own personal loans and for my clients. Unlike big-brand lenders who tend to offer a narrow set of cookie-cutter options, Tommy does all the standard mortgage products plus dozens of additional lending programs that can often be layered or combined creatively. That flexibility makes a ...
Tommy is wonderful to work with! I 100% recommend working with him!
- View more testimonials on Experience.com & Zillow.com
Realtors! Announcing Our: Real Estate Realities Masterminds
On 10/21/2026 at 2:00 pm
In a crowded market, doing great work is not always enough. People also need to understand what makes working with you different. Join me for Real Estate Realities: Jumpstart Your 2027 with Lance Pendleton on October 21 at 2 p.m. ET. Lance will share how to: - Create messaging that cuts through industry noise - Build a business around what clients truly need - Deliver an experience people remember and want to refer See you there!