Our Process
What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Client Testimonials
Why we should work together
About Tom
Using three years of mortgage experience and two decades in commercial real estate finance, Tom is a trusted lending partner among clients and industry associates. He actively goes out of his way to provide exceptional hands-on experience and prides himself on product and process knowledge, making every effort to source the best loan for each borrower’s needs.
When it comes to his work, there’s nothing that brings Tom more joy than building rapport and educating clients. Being able to make an impact on the largest financial transaction of their lives, while guiding them every step of the way, has been very rewarding. His ultimate goal is to ensure that his customers make the best mortgage choice for themselves and their families.
Tom and his wife have three children together, and two French Bulldogs. In his free time, he enjoys traveling, foreign language classes and doing triathlons. You can find Tom at the Bellevue branch. Please contact him for any of your mortgage financing needs!
WA LIC# MLO-1725263 | CA LIC# CA-DBO1725263
Mortgage Education Videos
Reviews
8 Reviews
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09/02/2019
Utkarsh from Seattle , WA via Zillow
Tom was amazing in guiding us through our condo buying journey. He is friendly, approachable, and responsible. We never felt the hesitation to contact him with anything. He was always available to answer any questions we had, and to help us understand the overall buying process piece by piece. He was very patient with us, and helped us make the right decisions by explaning the pros and cons of the available options. He would respond quickly, and even answered our questions when he was out on vacation. He would never rush us for anything, and he laid out a nice timeline of all the dealines we had, and kept reminding us of those so that we dont miss anything. At the time of closing, he was great at communicating every piece of information or document he sent us, and readily clarified any questions we had, even if it was repetitive at times. After closing, he is still continuing to help us with any questions we have, and any options of re-financing which might benefit us as the market changes. We definitely recommend Tom, and we are sure that we have built a long lasting relationship with him.
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08/16/2019
Kyle Matthew from Sumner , WA via Zillow
Tom not only helped ease my stress of a first-time home buyer but he did it with making me feel confident about the process, answering any & all my questions! Working with Tom felt as if he was always on my side from the beginning & continued to communicate with me to further better my financial situation down the road regarding the loan & built that TRUST us consumers are seeking for!
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04/09/2019
Konrad from Topanga , CA via Zillow
Worked with Tom on my recent new home purchase loan. Been through this process multiple times over the years for both purchase and re-fi. This was easily the smoothest experience to date. Highlights included: * Clear, consistent communication * Explanation of the types of loans, fees, and timelines * Worked very well with my real estate agent and escrow service Excellent work that resulted in a low-stress loan experience and on time closing.
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04/09/2019
Melanie Allred from Seattle , WA via Zillow
My husband and I worked with Tom Cummings over the course of a 3-month period to purchase our second home. I can't say enough good things about Tom. He was super responsive and kept the channels of communication open at all times. We met in person, over the phone, via videoconference, texted -- whatever was needed at the time. He came to the table with data and presentations but also his experience and advice. He's got good perspective on the market and I can tell really loves what he does. Ultimately, Tom provided a number of options to help us find the right mortgage product. And we had great discussion about the short vs long term, weighing out the options. When we eventually found the right home, he was there to guide us through the closing process. And despite the fact that he transitioned during this time from one firm to another, he kept close tabs, touching base frequently to make sure things were going smoothly. Since our home closed, we were able to meet with Tom in person and it really closed the loop. He reaches out and really make the effort to connect with his clients. I would work with Tom in a heartbeat on our next adventure!
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10/30/2018
Belinda C. from Seattle , WA via Zillow
I am huge on communication. To get responses almost immediately to every email or call I made, was amazing. He was very pleasant to work with and I would 100% recommend him to anyone!
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09/26/2018
Andi K. from Seattle , WA via Zillow
Tom always goes above and beyond. The wonderful thing about working with Tom is he looks out for the now as well as our future. All around an OUTSTANDING experience. Thanks Tom!
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09/25/2018
Trevor P from Seattle , WA via Zillow
Tom is very responsive - frequently answering emails on weekends and evenings, does a great job communicating, and works hard for his clients all while maintaining a positive demeanor.
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09/19/2018
scottr from Seattle , WA via Zillow
Tom did a fantastic job - clear and timely communications, knowledgeable and straightforward. He really put in extra hours for us, even weekends. I'd work with Tom again in the future for sure!
Calculators
Calculate your payment
Crunch your own numbers with our mortgage calculators. Run as many different scenarios as you’d like to see how much home you can afford.
Use this mortgage loan calculator to generate a mortgage estimate. Press the "Calculate" button to find out.
Use this mortgage loan calculator to generate a savings estimate. Press the "Calculate" button to find out.
Contact Tom
