My Mission:
My mission is to help my fellow Americans — especially Millennials and Gen Z — achieve the dream of homeownership. I believe that every American deserves the chance to build wealth and secure a piece of our great country, rather than watching hard-earned money disappear into rent. With honesty, education, and care, I am committed to making homeownership accessible and empowering families to create lasting stability and prosperity for generations to come.
Tom Caldwell
Tom Caldwell is a Licensed Mortgage Loan Originator in all 50 states (NMLS #2678466). He is an expert in all types of residential financing including Conventional, Veterans (VA), FHA, USDA, and Jumbo Mortgages.
As a dedicated Loan Officer, I specialize in helping first-time homebuyers navigate the often overwhelming process of financing a home. With a clear, step-by-step approach, I take the complexity out of mortgage lending—explaining every option in plain language and tailoring solutions to fit your unique financial situation. I am prepared to work with all buyers, regardless of experience, and will partner with you to strategize your credit and finances so you can qualify for a home purchase. My goal is not just to secure a loan, but to empower you with the knowledge and confidence that you need to make one of the most important decisions in your life.
I am experienced in a wide range of mortgage options, including Cash-Out and Rate-Term refinances, HELOCs, Second Mortgages, and more. Whether you’re looking to lower your monthly payment, tap into your home’s equity, or find the right path toward financial flexibility, I will walk you through the options and help you choose what works best for you.
Tom also serves investors with Hard Money (Fix & Flip) and DSCR (Rental Property) loans.
