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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.
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... Trysta L Port Charlotte, FL April 13 Rating: 5.0 out of 5.0 from Encompass
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...
I am a first time home buyer and Tommy took the time to explain everything thoroughly to me. Calie Venice, FL March 27 Rating: 5.0 out of 5.0 from Encompass
I am a first time home buyer and Tommy took the time to explain everything thoroughly to me.
I have been a realtor for over 20 years working with Tommy was the best experience I and my client have ever had in attaining a mortgage. Tommy was professional throughout the process, always available and went way beyond what I personally have experienced. He provided a product and level of service that was truly exceptional. Anyone looking for fi... James Venice, FL March 27 Rating: 5.0 out of 5.0 from Encompass
I have been a realtor for over 20 years working with Tommy was the best experience I and my client have ever had in attaining a mortgage. Tommy was professional throughout the process, always available and went way beyond what I personally have experienced. He provided a product and level of service that was truly exceptional. Anyone looking for fi...
Gor the most part the process was streamlined and easy to navigate. And my broker was always accessible to answer questions. Timothy Tampa, FL March 26 Rating: 5.0 out of 5.0 from Encompass
Gor the most part the process was streamlined and easy to navigate. And my broker was always accessible to answer questions.
On 04/30/2026 at 2:30 pm
Join us for Our Billion Dollar Playbook, a live mastermind designed to help real estate agents win more deals in today’s competitive market. Hear from Wes Costello of AnnieMac Home Mortgage as he breaks down the Cash2Keys suite of products and how to position your buyers like cash. Learn how Cash2Keys can level up your business.