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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.
Rating: 5.0 out of 5.0 from Encompass 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! KatherineSpring Hill, FL Jul 21
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!
Rating: 5.0 out of 5.0 from Encompass 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. MichaelSpring Hill, FL Jul 18
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.
Rating: 5.0 out of 5.0 from Encompass 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 ... Amy EPort Charlotte, FL Jul 16
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 ...
Rating: 5.0 out of 5.0 from Encompass 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. ChristineLand O Lakes, FL Jul 13
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.
Rating: 4.8 out of 5.0 from Encompass Tommy made the experience great, the communicated within coming contact with us throughout the process. Jonathan D.Land O Lakes, FL Jul 01
Tommy made the experience great, the communicated within coming contact with us throughout the process.
Rating: 5.0 out of 5.0 from Encompass Tommy was great. Easy to talk with, always made himself available and explained everything clearly. Thanks again! ChadLakeland, FL May 21
Tommy was great. Easy to talk with, always made himself available and explained everything clearly. Thanks again!
Rating: 5.0 out of 5.0 from Encompass 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! Rafael LozanoLakeland, FL May 15
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!
Rating: 5.0 out of 5.0 from Encompass 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! StephanySpring Hill, FL May 05
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!
Rating: 5.0 out of 5.0 from google 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 Lynn May 02
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...
Rating: 5.0 out of 5.0 from google Everything was handled efficiently with a helpful friendly professional way. We were very pleased with our experience. Kitty McNeel May 02
Everything was handled efficiently with a helpful friendly professional way. We were very pleased with our experience.
Rating: 5.0 out of 5.0 from Zillow 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! Lawrence RocheInverness, FL Apr 30
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!
Rating: 5.0 out of 5.0 from Encompass Things were handled efficiently and always with a helpful through way. Katherine A.Spring Hill, FL Apr 25
Things were handled efficiently and always with a helpful through way.
Rating: 5.0 out of 5.0 from Encompass keep up informed through the process Daniel C.Spring Hill, FL Apr 25
keep up informed through the process
Rating: 5.0 out of 5.0 from Encompass Tommy went beyond the basic customer service experience. He answered all of my questions, and responded to my phone calls and emails on time. Estelle MicoleClearwater, FL Apr 21
Tommy went beyond the basic customer service experience. He answered all of my questions, and responded to my phone calls and emails on time.
Rating: 5.0 out of 5.0 from Encompass The way my clients were treated. RoderickClearwater, FL Apr 20
The way my clients were treated.
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... Trysta LPort Charlotte, FL Apr 13
Rating: 5.0 out of 5.0 from google Tom Gainer was awesome to deal with And knows how to get the deal done siplin Siplin Apr 09
Tom Gainer was awesome to deal with And knows how to get the deal done
Rating: 5.0 out of 5.0 from google 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 ... Michael Greer Apr 09
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 ...
Rating: 5.0 out of 5.0 from google Tommy is wonderful to work with! I 100% recommend working with him! Calie Fulmer Apr 02
Tommy is wonderful to work with! I 100% recommend working with him!
Rating: 5.0 out of 5.0 from facebook Came through in the end. A struggle to get through and aggravating at times because it's a lot. But Tommy does his job and wants to do right by the customer. He takes his business personality as well as professionally. Makes sure to achieve the end goal. He got me opened and closed within a month on a home and I could not be happier. Michael Mann Mar 28
Came through in the end. A struggle to get through and aggravating at times because it's a lot. But Tommy does his job and wants to do right by the customer. He takes his business personality as well as professionally. Makes sure to achieve the end goal. He got me opened and closed within a month on a home and I could not be happier.
Rating: 5.0 out of 5.0 from facebook Tommy was amazing to work with! From making offer to closing was less than 2 weeks!! He got me financing when I thought it was going to be impossible! I suggest if you are looking to purchase a home or refinance, use Tommy!!! Shawn Brooks Mar 28
Tommy was amazing to work with! From making offer to closing was less than 2 weeks!! He got me financing when I thought it was going to be impossible! I suggest if you are looking to purchase a home or refinance, use Tommy!!!
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. CalieVenice, FL Mar 27
I am a first time home buyer and Tommy took the time to explain everything thoroughly to me.
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... JamesVenice, FL Mar 27
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...
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. TimothyTampa, FL Mar 26
Gor the most part the process was streamlined and easy to navigate. And my broker was always accessible to answer questions.