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Tom Seaman, Mortgage Broker NMLS #400629

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United States
Appleton, WI
Tom Seaman, Mortgage Broker NMLS #400629

I help clients achieve their financial dreams. Let's connect - linktr.ee/tomseaman
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06/09/2026

Hey 𝘁𝗮𝗰𝗼 𝗹𝗼𝘃𝗲𝗿𝘀 🌮 here’s a house hack for you:
Say hello to your new best friend: the designated drop zone for keys, wallet, and mail. 🗝️📬

Here’s why you need it:
𝐂𝐥𝐮𝐭𝐭𝐞𝐫-𝐅𝐫𝐞𝐞 𝐂𝐨𝐮𝐧𝐭𝐞𝐫𝐬: Tired of hunting for your keys or sifting through piles of mail? This drop zone ensures everything has a designated spot, keeping your countertops clear and clutter-free.
𝐒𝐭𝐫𝐞𝐬𝐬-𝐅𝐫𝐞𝐞 𝐌𝐨𝐫𝐧𝐢𝐧𝐠𝐬: No more frantic searches for your essentials as you rush out the door! With everything neatly organized in one place, mornings become smoother and more relaxed.
𝐄𝐧𝐡𝐚𝐧𝐜𝐞𝐝 𝐄𝐟𝐟𝐢𝐜𝐢𝐞𝐧𝐜𝐲: Save time and energy by having your most-used items easily accessible. Whether it’s grabbing your keys on your way out or quickly sorting through the mail, efficiency is at your fingertips.

Creating your drop zone is as easy as 1-2-3:
𝐂𝐡𝐨𝐨𝐬𝐞 𝐚 𝐋𝐨𝐜𝐚𝐭𝐢𝐨𝐧: Select a convenient spot near your entryway or in your kitchen—somewhere easily accessible but out of the way of everyday traffic.
𝐃𝐞𝐬𝐢𝐠𝐧𝐚𝐭𝐞 𝐒𝐭𝐨𝐫𝐚𝐠𝐞: Invest in a stylish tray, bowl, or wall-mounted organizer to corral your keys and wallet. For mail, consider a letter holder or magazine rack.
𝐒𝐭𝐚𝐲 𝐂𝐨𝐧𝐬𝐢𝐬𝐭𝐞𝐧𝐭: Make it a habit to use your drop zone consistently. Encourage household members to follow suit, and watch as your home stays tidier effortlessly.

Ready to reclaim your space and streamline your routine? Try out this drop zone hack today! 🌟

06/08/2026

Financial advisors tell you to never touch your 401(k) to buy a home. They'll scare you with penalties and ruining your retirement.

Here's the truth. You can take a loan against your 401(k). Zero taxes. Zero penalties. Your money stays invested and keeps growing. You pay yourself back through payroll deductions, and the interest goes right back into your retirement account.

Meanwhile, if you wait 3 years to save a down payment, that $400,000 house could easily be $440,000. The old advice just cost you $40,000.

21% of buyers already know this and borrowed against their 401(k) to buy a home last year. Follow for more strategies most advisors won't tell you.

06/08/2026

✨ Fox Cities Weekend Roundup! ✨

🪴 𝗦𝗮𝘁𝘂𝗿𝗱𝗮𝘆, 𝗝𝘂𝗻𝗲 𝟭𝟯 | 𝟭𝟭:𝟬𝟬 𝗔𝗠–𝟮:𝟬𝟬 𝗣𝗠 – 𝗙𝗼𝘅 𝗩𝗮𝗹𝗹𝗲𝘆 𝗣𝗹𝗮𝗻𝘁 𝗙𝗮𝗶𝗿
📍 Lucky Dog’z – 157 S Green Bay Rd, Neenah
Plant lovers, this one’s for you! Browse a variety of houseplants, garden plants, succulents, plant accessories, and local vendors while connecting with fellow plant enthusiasts. Whether you’re a seasoned gardener or just starting your collection, there’s something for everyone.

🇺🇸 𝗦𝗮𝘁𝘂𝗿𝗱𝗮𝘆, 𝗝𝘂𝗻𝗲 𝟭𝟯 | 𝟮:𝟬𝟬 𝗣𝗠 – 𝗔𝗽𝗽𝗹𝗲𝘁𝗼𝗻 𝗙𝗹𝗮𝗴 𝗗𝗮𝘆 𝗣𝗮𝗿𝗮𝗱𝗲
📍 Downtown Appleton
Celebrate one of Appleton’s most cherished traditions! Recognized as the nation’s oldest Flag Day Parade, this year’s event honors the 250th anniversary of the U.S. Marine Corps and Navy with marching bands, military units, floats, and patriotic displays. The 2026 parade follows its new route along College Avenue from State Street to Drew Street.

🕺 𝗦𝗮𝘁𝘂𝗿𝗱𝗮𝘆, 𝗝𝘂𝗻𝗲 𝟭𝟯 | 𝟰:𝟬𝟬–𝟳:𝟬𝟬 𝗣𝗠 – 𝗠𝗼𝘁𝗵𝗲𝗿 & 𝗦𝗼𝗻 𝗗𝗮𝗻𝗰𝗲
📍 Crystal Ballroom, W3307 County Road B, Hilbert
Moms and sons can enjoy a special evening of dancing, music, photo opportunities, refreshments, and memory-making in one of the area’s most beautiful historic ballrooms. A perfect excuse to dress up and enjoy a night out together.

06/07/2026

One of the biggest mistakes buyers make is focusing only on the purchase price.

Don’t get me wrong—price matters. 𝐁𝐮𝐭 𝐬𝐨𝐦𝐞𝐭𝐢𝐦𝐞𝐬 𝐭𝐡𝐞 𝐦𝐨𝐬𝐭 𝐯𝐚𝐥𝐮𝐚𝐛𝐥𝐞 𝐧𝐞𝐠𝐨𝐭𝐢𝐚𝐭𝐢𝐨𝐧 𝐢𝐬𝐧’𝐭 𝐭𝐡𝐞 𝐨𝐧𝐞 𝐭𝐡𝐚𝐭 𝐥𝐨𝐰𝐞𝐫𝐬 𝐭𝐡𝐞 𝐩𝐫𝐢𝐜𝐞. 𝐈𝐭’𝐬 𝐭𝐡𝐞 𝐨𝐧𝐞 𝐭𝐡𝐚𝐭 𝐢𝐦𝐩𝐫𝐨𝐯𝐞𝐬 𝐲𝐨𝐮𝐫 𝐨𝐯𝐞𝐫𝐚𝐥𝐥 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐨𝐬𝐢𝐭𝐢𝐨𝐧.

For many buyers, cash is tight when purchasing a home. Between the down payment, closing costs, moving expenses, furniture, and unexpected repairs, those first few months can get expensive quickly.

That’s why seller credits can be so powerful. Instead of spreading savings out over years through a slightly lower monthly payment, a credit can reduce the amount of cash you need to bring to closing right away.

The best part? There’s no universal “right” answer.

Some buyers benefit more from a lower purchase price. Others benefit more from lower upfront costs. It all depends on your goals, finances, and how long you plan to own the home.

𝐓𝐡𝐞 𝐬𝐦𝐚𝐫𝐭𝐞𝐬𝐭 𝐛𝐮𝐲𝐞𝐫𝐬 𝐝𝐨𝐧’𝐭 𝐣𝐮𝐬𝐭 𝐧𝐞𝐠𝐨𝐭𝐢𝐚𝐭𝐞 𝐭𝐡𝐞 𝐡𝐨𝐮𝐬𝐞—𝐭𝐡𝐞𝐲 𝐧𝐞𝐠𝐨𝐭𝐢𝐚𝐭𝐞 𝐭𝐡𝐞 𝐭𝐞𝐫𝐦𝐬 𝐭𝐡𝐚𝐭 𝐩𝐮𝐭 𝐭𝐡𝐞𝐦 𝐢𝐧 𝐭𝐡𝐞 𝐬𝐭𝐫𝐨𝐧𝐠𝐞𝐬𝐭 𝐩𝐨𝐬𝐢𝐭𝐢𝐨𝐧 𝐚𝐟𝐭𝐞𝐫 𝐜𝐥𝐨𝐬𝐢𝐧𝐠.

That’s why it’s important to look beyond the sticker price and understand all the options available before making an offer 👍

06/05/2026

Owning a home comes with more than a mortgage payment - it also means planning for the care that keeps it running smoothly.

Setting aside money for regular upkeep can help prevent small issues from turning into expensive surprises.

The goal isn’t perfection, it’s preparedness and peace of mind.

A little planning can go a long way toward enjoying your home long-term.

06/04/2026

If you have ever wondered how much house you can actually afford, the online mortgage calculators are almost certainly giving you the wrong numbers and here is the actual formula that matters.

Take your gross monthly income and divide it by three. That is your maximum payment with existing debt obligations. So if your total household income is $100,000 a year, that is $8,333 a month. Divide by three and you get roughly $2,770. That is the total mortgage payment you would qualify for under standard debt-to-income guidelines. At today's rates with 10 percent down, that buys you a home around $430,000.

But here is what most people never hear. If you have zero other debt, no car payments, no student loans, no credit card minimums, you can actually qualify for up to half your gross monthly income. That same $100,000 household income now qualifies you for up to a $4,160 monthly payment. With 10 percent down that buys you a home around $650,000. That is a massive difference in buying power and most people have absolutely no idea that range even exists.

Your actual number sits somewhere in that window depending on your specific debt picture and the loan program you qualify for. The only way to know exactly where you land is to have the real conversation with a lender who will run your actual numbers.

Comment the word HOME and I will send you a DM with your personalized breakdown.

06/04/2026

One of the most common things I hear is:
“My friend just got a lower rate than I did. How is that possible?” 🤔

𝐓𝐡𝐞 𝐭𝐫𝐮𝐭𝐡 𝐢𝐬, 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐫𝐚𝐭𝐞𝐬 𝐚𝐫𝐞𝐧’𝐭 𝐨𝐧𝐞-𝐬𝐢𝐳𝐞-𝐟𝐢𝐭𝐬-𝐚𝐥𝐥.

A rate is based on a combination of factors, including credit score, down payment, loan type, property type, and even how the income is documented. That’s why two buyers can apply on the same day and still receive different offers.

What surprises most people is that a small difference in rate can have a noticeable impact on a monthly payment over time.

And here’s something many buyers don’t realize: 𝐭𝐢𝐦𝐢𝐧𝐠 𝐦𝐚𝐭𝐭𝐞𝐫𝐬 𝐭𝐨𝐨.

Mortgage rates move every day, and you typically can’t lock a rate until you’re under contract on a specific property. That means two buyers shopping in the same market—even just weeks apart—could be looking at very different numbers.

That’s why it’s important not to compare your rate to someone else’s. The better question is whether you’re getting the best option available for your situation.

The buyers who feel the most confident aren’t usually the ones chasing the lowest advertised rate—they’re the ones who understand their options and have a strategy before they start house hunting 👍

06/03/2026

Let me show you the easiest way to save $140,000 when you buy a home. It takes about five minutes to set up and most people have never heard of it.

Here is how it works. Say you have a $500,000 mortgage at 6.25 percent. Your monthly payment is $3,078. Here is what your bank is not telling you. Take that payment and divide it in half. That is $1,539. Instead of paying once a month, pay that amount every two weeks.

Here is why this is so powerful. There are 52 weeks in a year. Paying every two weeks means 26 payments. That adds up to 13 months worth of payments made in 12 months, one full extra payment every year without even thinking about it or feeling it in your budget.

Over the life of a 30-year mortgage that single habit saves you $140,000 in interest and cuts five full years off your loan. Your bank is not going to tell you this because they profit from you paying more interest over a longer period of time.

This is the easiest six-figure win available to any homeowner and it costs you nothing to implement. Follow me for more tips like this that actually move the needle on your financial future.

06/03/2026

Congratulations! 🎉Your offer has been accepted, but you're not done yet.

The work is just beginning as there are several important steps to take in order to ensure that your purchase goes smoothly and without a hitch.

You're probably wondering what happens next?

Here are the 8 steps to go from accepted offer to clear to close successfully!

Get A Free No-Obligation Rate Quote 👉 https://home-loans-with-tom-seaman-fb.secure-clix.com
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06/02/2026

This trend is going viral with homebuyers right now and most people do not even know how to ask for it. Let me break it down.

Say you are looking at a house listed for $450,000. Based on comparables you think you can get it for $430,000. The traditional move is to offer $430,000. Your down payment drops a little and your monthly payment goes down by about $100. That feels like a win.

But here is what smart buyers are doing instead. They offer the full $450,000 but ask the seller to give them $20,000 back at closing as a seller credit. Yes your monthly payment is about $100 higher. But you walk away with an extra $20,000 in your pocket right when you need it most, for furniture, renovations, moving costs, or just a financial cushion while you settle in. The seller agrees because they still net the same amount. Everyone wins.

This is just one of seven seller credit strategies every buyer should know right now. I put together a free guide that breaks down all seven and shows you exactly how to ask for each one so you get the most out of every deal.

Comment HOME and I will send it over to you right away.

Address

200 E
Appleton, WI
54911

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	8am - 8pm
Sunday	8am - 8pm

Telephone

+19205403582

Website

http://www.tomseamanmortgage.com/

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