Thomas’s passion for assisting and providing his customers with the ultimate level of care throughout the loan process, has earned him a 100% customer referral rate. Referrals are how Thomas measures his success. His commitment and dedication to his clients, realtor, and CPA partners is unsurpassed. Thomas’s team is committed to providing clients with the highest level of service and most competitive mortgage rates available in Southern California. Thomas works with each client one-on-one to ensure they have a plan and obtain a personalized mortgage solution that fits their financial goals. Affiliated with over 75 competitive lenders with over 750 loan programs available to choose from.Whether you are purchasing your dream home or investment property, refinancing to lower rate and payment, term reduction, consolidate high interest debt, or take out equity for home improvements, Thomas and his team can help you find the right loan program, with the lowest rate available.Thomas has a Bachelors of Science in marketing/business administration from Arizona State University and lives in San Juan Capistrano with his wife Debbie.Specialties: First time buyers, active and retired military, VA, FHA, conventional, self employed bank statement loans, and conventional and Jumbo loans up to $5,000,000.