Mortgage Consultant
We make the home loan process as simple as possible by guiding you through every step.
892 Main Street
Suite 301, 3rd Floor
Thomas has been in the mortgage industry since 2012. As a seasoned Mortgage Consultant, he prides himself in his thorough approach with clients, walking them through the process, step-by-step, from pre-approval to closing and after. He is available whenever you need help – day or night – to help with questions ranging from monthly payment, downpayment options, types of financing and all the other questions that come up when buying a home. Thomas understands how complex the financing process can be and takes a comprehensive approach to creating a strategy to ensure his clients are suited with a product that fits their own unique financial situation. Prosperity Home Mortgage provides clients with the products and technology that create a boutique home loan experience.
Thomas was born and raised in Saugerties, NY where he currently resides with his wife and children. He holds a bachelor’s degree from Siena College. He has been involved in strengthening communities in Ulster, Greene, Dutchess, and Columbia counties by working with the United Way, teaching “mortgage finance” to first-time homebuyers at various RUPCO (a local not-for-profit housing agency) and he received a certificate of recognition for his commitment as VP of The Hyde Park Chamber of Commerce.
While being passionate about his career, Thomas loves spending time with his family, playing music - especially guitar - with his daughter. He is a fitness enthusiast and loves helping those who are new to fitness and/or have specific fitness goals, by creating diet meal plans and training regimens.
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Pathway To Prosperity
Ask Us About
Pathway To Prosperity
Ask Us About
Pathway To Prosperity
I'm here to answer allyour mortgage questions
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
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"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."
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