Tom Kerr at Rate (Nmls #266890)

I am a loan officer with over 20-plus years of experience in home financing that has put me in touch with many different people. Whether its a first-time homebuyer, a refinance or in need of a HELOC or self-employed entrepreneurs with complex tax returns. Ive helped my clients save money and get into the home of their dreams. No matter what you do for a living, I can help you achieve your homeownership goals. NMLS: 263124, Branch NMLS: 2399746

I have more than 24 years of experience in mortgage lending. I have worked as a Mortgage Loan Officer and Sales Manager and have been an owner of a mortgage company. I have assisted more than a thousand borrowers with their financing.Over the years, I have learned that success is listening, having an upbeat attitude, and treating everyone with respect. My approach is to help people achieve their goals by giving them as many options as possible while educating them so they can make the best choices in their home mortgage options. My goal is to make the process a positive and memorable experience.I have been privileged to help people in their best times and in some of the most stressful times in their lives. I have come to realize that there are many reasons borrowers seek a home mortgage. Sometimes, a growing family needs a larger home or a move from an apartment to their first home. Sometimes a client needs a mortgage due to a job move, divorce, or other challenging time in their lives. And sometimes, a client needs a listening ear and the patient attention of a knowledgeable mortgage broker to help them realize their dream of homeownership.I feel I specialize in giving people a different perspective to getting a mortgage. Before I was mortgage lender I worked as Design Engineer. I also coached baseball and basketball for boys and girls for over 24 years. I use those two experiences to help understand my borrower and listen to them. My goal is not sell a mortgage but be a guide to educate and assist a borrower with getting them a mortgage that meets their families needs. NMLS: 271768, Branch NMLS: 2399746