Tom Seaman, Mortgage Broker NMLS #400629

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Tom Seaman, Mortgage Broker NMLS #400629 I help clients achieve their financial dreams. Let's connect - linktr.ee/tomseaman
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11/03/2026

Hey 𝘁𝗮𝗰𝗼 𝗹𝗼𝘃𝗲𝗿𝘀 🌮 here’s a house hack for you: Tired of tangled cords? 🤯 Bread clips to the rescue! 🍞

Simply clip one onto each cord and write on it what it’s for. Voila! No more guessing games. 💡

11/02/2026

✨ 𝐅𝐨𝐱 𝐂𝐢𝐭𝐢𝐞𝐬 𝐖𝐞𝐞𝐤𝐞𝐧𝐝 𝐑𝐨𝐮𝐧𝐝𝐮𝐩! ✨

🎊 𝗦𝗮𝘁𝘂𝗿𝗱𝗮𝘆, 𝗡𝗼𝘃𝗲𝗺𝗯𝗲𝗿 𝟳 | 𝟴:𝟬𝟬 𝗔𝗠–𝟲:𝟬𝟬 𝗣𝗠 – 𝗙𝗼𝘅 𝗖𝗶𝘁𝗶𝗲𝘀 𝗛𝗺𝗼𝗻𝗴 𝗡𝗲𝘄 𝗬𝗲𝗮𝗿
📍 Fox Cities Exhibition Center – 355 W Lawrence St., Appleton
Celebrate Hmong culture and traditions at this FREE two-day community celebration! Enjoy cultural performances, live entertainment, vendors and opportunities to learn more about the Hmong community. A wonderful way to experience and celebrate the cultural diversity of the Fox Cities! Festivities continue Sunday, November 8.

🛍️ 𝗦𝗮𝘁𝘂𝗿𝗱𝗮𝘆, 𝗡𝗼𝘃𝗲𝗺𝗯𝗲𝗿 𝟳 | 𝟵:𝟬𝟬 𝗔𝗠–𝟯:𝟬𝟬 𝗣𝗠 – 𝗔𝗽𝗽𝗹𝗲𝘁𝗼𝗻 𝗡𝗼𝗿𝘁𝗵 𝗔𝗿𝘁𝗶𝘀𝗮𝗻 𝗙𝗮𝗶𝗿𝗲
📍 Appleton North High School – 5000 N Ballard Rd., Appleton
Get a head start on your holiday shopping while supporting local artists and makers! Browse a curated selection of handmade jewelry, ceramics, woodworking, glass art, specialty foods and more. This community favorite also supports Appleton North Athletics. Admission is $5.

🎩 𝗦𝗮𝘁𝘂𝗿𝗱𝗮𝘆, 𝗡𝗼𝘃𝗲𝗺𝗯𝗲𝗿 𝟳 | 𝟵:𝟬𝟬 𝗔𝗠 – 𝗖𝗮𝗽𝗶𝘁𝗮𝗹 𝗖𝗿𝗲𝗱𝗶𝘁 𝗨𝗻𝗶𝗼𝗻 𝗛𝗼𝘂𝗱𝗶𝗻𝗶 𝟭𝟬𝗞
📍 Houdini Plaza – Downtown Appleton
A little magic meets a lot of running! This 6.2-mile race celebrates Appleton’s famous escape artist, Harry Houdini, with a scenic course along the Newberry Trail and Appleton Locks. Runners finish at Jones Park for post-race refreshments, and strolling magicians will be performing throughout the morning!

11/01/2026

Buying a home isn’t just about finding the right house. It’s about making sure you’re getting the right deal for YOUR financial situation. 🏡

And sometimes, the smartest moves happen before you even write an offer.

Here’s what I wish more buyers knew:

📉 𝐀 𝐫𝐚𝐭𝐞 𝐛𝐮𝐲𝐝𝐨𝐰𝐧 𝐜𝐚𝐧 𝐠𝐢𝐯𝐞 𝐲𝐨𝐮𝐫 𝐦𝐨𝐧𝐭𝐡𝐥𝐲 𝐛𝐮𝐝𝐠𝐞𝐭 𝐬𝐨𝐦𝐞 𝐛𝐫𝐞𝐚𝐭𝐡𝐢𝐧𝐠 𝐫𝐨𝐨𝐦. A temporary buydown can help ease you into your mortgage with lower payments during the first few years, while a permanent buydown can provide a lower interest rate for the life of the loan. Both can be valuable depending on your goals!

💰 𝐒𝐞𝐥𝐥𝐞𝐫 𝐜𝐨𝐧𝐜𝐞𝐬𝐬𝐢𝐨𝐧𝐬 𝐜𝐚𝐧 𝐛𝐞 𝐚 𝐧𝐞𝐠𝐨𝐭𝐢𝐚𝐭𝐢𝐧𝐠 𝐭𝐨𝐨𝐥. Depending on the loan program, sellers may be able to contribute toward eligible closing costs or a rate buydown.

🏡 𝐍𝐨𝐭 𝐚𝐥𝐥 𝐩𝐫𝐞𝐚𝐩𝐩𝐫𝐨𝐯𝐚𝐥𝐬 𝐚𝐫𝐞 𝐜𝐫𝐞𝐚𝐭𝐞𝐝 𝐞𝐪𝐮𝐚𝐥. Having your income, assets, and credit reviewed by underwriting before making an offer can give you and the seller more confidence in your financing. It doesn’t guarantee final approval, but it may help uncover potential issues early.

Your lender and Realtor should be working together BEFORE you make an offer to help you understand your options, negotiate effectively, and choose a monthly payment that fits your life.

Because the goal isn’t just to get the keys. 𝐈𝐭’𝐬 𝐭𝐨 𝐟𝐞𝐞𝐥 𝐠𝐨𝐨𝐝 𝐚𝐛𝐨𝐮𝐭 𝐭𝐡𝐞 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬 𝐭𝐡𝐚𝐭 𝐠𝐨𝐭 𝐲𝐨𝐮 𝐭𝐡𝐞𝐫𝐞. 🔑

Know someone planning to buy a home? Send this their way!

10/30/2026

1️⃣ 𝐆𝐢𝐯𝐞 𝐲𝐨𝐮𝐫 𝐟𝐮𝐫𝐧𝐚𝐜𝐞 𝐬𝐨𝐦𝐞 𝐚𝐭𝐭𝐞𝐧𝐭𝐢𝐨𝐧
Find your furnace filter and check whether it needs replacing. A dirty filter can restrict airflow and make your heating system work harder. If your furnace hasn’t been serviced recently, consider scheduling a tune-up before the really cold weather hits.

2️⃣ 𝐂𝐡𝐞𝐜𝐤 𝐝𝐫𝐚𝐟𝐭𝐬 𝐚𝐫𝐨𝐮𝐧𝐝 𝐰𝐢𝐧𝐝𝐨𝐰𝐬 𝐚𝐧𝐝 𝐝𝐨𝐨𝐫𝐬
Feel cold air coming in around a closed door or window? You may need 𝘸𝘦𝘢𝘵𝘩𝘦𝘳𝘴𝘵𝘳𝘪𝘱𝘱𝘪𝘯𝘨 - an inexpensive strip of foam, rubber, or similar material that seals the small gaps where doors and windows close. You can find it at most hardware stores.

3️⃣ 𝐏𝐫𝐨𝐭𝐞𝐜𝐭 𝐲𝐨𝐮𝐫 𝐩𝐢𝐩𝐞𝐬 𝐟𝐫𝐨𝐦 𝐟𝐫𝐞𝐞𝐳𝐢𝐧𝐠
Disconnect outdoor garden hoses, even if you have frost/free faucets. On extremely cold days, open cabinet doors under sinks along exterior walls to let warm air circulate. If pipes are especially vulnerable, a slow faucet drip may help. And PLEASE know where your home’s main water shutoff valve is in case a pipe bursts!

4️⃣ 𝐏𝐫𝐞𝐩𝐚𝐫𝐞 𝐟𝐨𝐫 𝐡𝐢𝐠𝐡𝐞𝐫 𝐮𝐭𝐢𝐥𝐢𝐭𝐲 𝐛𝐢𝐥𝐥𝐬
Heating an entire house can cost more than heating an apartment. If you’re unsure what to budget, ask your utility company whether they can provide past usage information or offer budgeting friendly billing to help spread costs throughout the year.

5️⃣ 𝐆𝐞𝐭 𝐲𝐨𝐮𝐫 𝐬𝐧𝐨𝐰 𝐫𝐞𝐦𝐨𝐯𝐚𝐥 𝐬𝐮𝐩𝐩𝐥𝐢𝐞𝐬 𝐁𝐄𝐅𝐎𝐑𝐄 𝐭𝐡𝐞 𝐟𝐢𝐫𝐬𝐭 𝐬𝐭𝐨𝐫𝐦
Shovel, ice melt, snow brush and maybe even a snowblower depending on your driveway. Check your local rules for sidewalk clearing too! And make sure your ice melt is appropriate for your concrete and pets.

6️⃣ 𝐃𝐨𝐧’𝐭 𝐨𝐯𝐞𝐫𝐥𝐨𝐨𝐤 𝐲𝐨𝐮𝐫 𝐠𝐮𝐭𝐭𝐞𝐫𝐬 𝐚𝐧𝐝 𝐨𝐮𝐭𝐝𝐨𝐨𝐫 𝐝𝐫𝐚𝐢𝐧𝐚𝐠𝐞
Clear leaves and debris from gutters and make sure downspouts direct water away from your foundation. Clogged gutters can contribute to ice dams and water problems when the snow starts melting and refreezing.

Know someone spending their FIRST winter a home? Save this checklist and send it their way!

10/29/2026

𝐉𝐮𝐬𝐭 𝐛𝐞𝐜𝐚𝐮𝐬𝐞 𝐲𝐨𝐮 𝐂𝐀𝐍 𝐩𝐮𝐭 𝟐𝟎% 𝐝𝐨𝐰𝐧 𝐝𝐨𝐞𝐬𝐧’𝐭 𝐚𝐥𝐰𝐚𝐲𝐬 𝐦𝐞𝐚𝐧 𝐲𝐨𝐮 𝐒𝐇𝐎𝐔𝐋𝐃. 🏡💰

A bigger down payment has its benefits, but there’s something I wish more buyers considered before putting most of their savings into a home…

𝐖𝐡𝐚𝐭 𝐝𝐨𝐞𝐬 𝐲𝐨𝐮𝐫 𝐛𝐚𝐧𝐤 𝐚𝐜𝐜𝐨𝐮𝐧𝐭 𝐥𝐨𝐨𝐤 𝐥𝐢𝐤𝐞 𝐀𝐅𝐓𝐄𝐑 𝐜𝐥𝐨𝐬𝐢𝐧𝐠?

Because homeownership doesn’t stop costing money once you get the keys.

There’s furniture to buy, unexpected repairs, moving expenses, and all those little things you didn’t realize you’d need until you moved in. 😅

Here’s what I want buyers to understand:

💰 𝙇𝙚𝙨𝙨 𝙙𝙤𝙬𝙣 𝙙𝙤𝙚𝙨𝙣’𝙩 𝙢𝙚𝙖𝙣 𝙮𝙤𝙪’𝙧𝙚 𝙢𝙖𝙠𝙞𝙣𝙜 𝙖 𝙗𝙖𝙙 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙙𝙚𝙘𝙞𝙨𝙞𝙤𝙣.
Many loan programs allow smaller down payments, giving you the option to keep more cash available.

🏡 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙞𝙨𝙣’𝙩 𝙖𝙡𝙬𝙖𝙮𝙨 𝙖 𝙙𝙚𝙖𝙡𝙗𝙧𝙚𝙖𝙠𝙚𝙧.
Sometimes the cost of PMI is worth comparing against the benefit of keeping a healthy savings cushion.

📊 𝙄𝙩’𝙨 𝙖𝙗𝙤𝙪𝙩 𝙛𝙞𝙣𝙙𝙞𝙣𝙜 𝙩𝙝𝙚 𝙧𝙞𝙜𝙝𝙩 𝙗𝙖𝙡𝙖𝙣𝙘𝙚.
A larger down payment can lower your monthly payment and interest costs, but that doesn’t automatically make it the best choice for your situation.

Before deciding how much to put down, ask your lender to run a few different scenarios so you can compare the monthly payments, mortgage insurance, cash needed at closing, and savings you’ll have left.

The goal isn’t just to afford the house. It’s to still feel financially comfortable once you’re living in it.

Know someone saving for their first home who thinks they NEED 20% down? Send this their way! 🔑

Locking in or agreeing to the interest rate for your mortgage is known as a mortgage rate lock. Whether you lock in your...
10/28/2026

Locking in or agreeing to the interest rate for your mortgage is known as a mortgage rate lock.

Whether you lock in your interest rate early on, or closer to closing, it has to be agreed upon before the mortgage can be finalized.

Lenders offer this locking service to borrowers because interest rates often fluctuate while your home loan application is being finalized. The purpose of the mortgage rate lock is to secure the loan at a specific interest rate and avoid changes before you close.

Various factors influence interest rate changes, such as the stock market, the Federal Reserve, inflation, worldwide events and politics. Interest rate changes may happen during the mortgage application process. If interest rates go up after you’ve locked yours in, you won’t be impacted by the increase.

Get A Free No-Obligation Rate Quote 👉 https://home-loans-with-tom-seaman-fb.secure-clix.com
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10/27/2026

Hey 𝘁𝗮𝗰𝗼 𝗹𝗼𝘃𝗲𝗿𝘀 🌮 here’s a house hack for you:
Say goodbye to smelly, germ-filled kitchen sponges with this easy hack! 🧽✨

Just microwave your wet sponge for 1-2 minutes to zap bacteria and extend its life. Not only will your sponge stay fresh longer, but you’ll also save money and reduce waste. 🌍💚

Here’s how to do it:
1. Thoroughly wet the sponge.
2. Place it in the microwave.
3. Microwave on high for 1-2 minutes.
4. Carefully remove (it will be hot!) and let it cool before use.

Why this works: The microwave heat kills up to 99% of bacteria lurking in your sponge, keeping your kitchen cleaner and safer. Happy cleaning! 🧼✨

10/26/2026

✨ 𝐅𝐨𝐱 𝐂𝐢𝐭𝐢𝐞𝐬 𝐖𝐞𝐞𝐤𝐞𝐧𝐝 𝐑𝐨𝐮𝐧𝐝𝐮𝐩! ✨

👻 It’s officially trick-or-treat season! Grab your costumes, buckets, and flashlights — here’s when the candy hunt is on across Outagamie County ⬇️

🎃 𝗦𝗮𝘁𝘂𝗿𝗱𝗮𝘆, 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟯𝟭
Appleton: 4–8 p.m.
Buchanan: 4–7 p.m.
Combined Locks: 5–7 p.m.
Grand Chute: 4–7 p.m.
Greenville: 4–7 p.m.
Hortonville: 3-5 p.m.
Kaukauna: 4–7 p.m.
Kimberly: 5–7 p.m.
Little Chute: 5–7 p.m.
New London: 5–7 p.m.

👻 Stay safe, have fun, and tag your spooky crew!

10/25/2026

𝐓𝐡𝐞 𝐩𝐮𝐫𝐜𝐡𝐚𝐬𝐞 𝐩𝐫𝐢𝐜𝐞 𝐢𝐬𝐧’𝐭 𝐭𝐡𝐞 𝐨𝐧𝐥𝐲 𝐭𝐡𝐢𝐧𝐠 𝐲𝐨𝐮 𝐜𝐚𝐧 𝐧𝐞𝐠𝐨𝐭𝐢𝐚𝐭𝐞 𝐰𝐡𝐞𝐧 𝐛𝐮𝐲𝐢𝐧𝐠 𝐚 𝐡𝐨𝐦𝐞! 🏡

Sometimes, HOW you structure your offer can make just as much of a difference as the price you agree to pay.

Here’s something I wish more buyers knew:

💰 𝐒𝐞𝐥𝐥𝐞𝐫 𝐜𝐫𝐞𝐝𝐢𝐭𝐬 𝐚𝐫𝐞𝐧’𝐭 𝐣𝐮𝐬𝐭 𝐟𝐨𝐫 𝐜𝐥𝐨𝐬𝐢𝐧𝐠 𝐜𝐨𝐬𝐭𝐬. Depending on your loan program, they may also be used to help lower your interest rate.

📉 𝐀 𝐥𝐨𝐰𝐞𝐫 𝐫𝐚𝐭𝐞 𝐜𝐚𝐧 𝐦𝐞𝐚𝐧 𝐥𝐨𝐧𝐠-𝐭𝐞𝐫𝐦 𝐬𝐚𝐯𝐢𝐧𝐠𝐬. A permanent rate buydown can reduce your monthly principal and interest payment for the life of the loan.

🏡 𝐓𝐡𝐞 𝐛𝐞𝐬𝐭 𝐝𝐞𝐚𝐥 𝐢𝐬𝐧’𝐭 𝐚𝐥𝐰𝐚𝐲𝐬 𝐭𝐡𝐞 𝐥𝐨𝐰𝐞𝐬𝐭 𝐩𝐮𝐫𝐜𝐡𝐚𝐬𝐞 𝐩𝐫𝐢𝐜𝐞. Sometimes negotiating a credit can have a bigger impact on your monthly budget than asking the seller to reduce their price.

Your Realtor and lender should be working together to figure out which strategy makes the most sense for YOU.

𝐓𝐡𝐞 𝐠𝐨𝐚𝐥 𝐢𝐬𝐧’𝐭 𝐣𝐮𝐬𝐭 𝐭𝐨 𝐠𝐞𝐭 𝐲𝐨𝐮𝐫 𝐨𝐟𝐟𝐞𝐫 𝐚𝐜𝐜𝐞𝐩𝐭𝐞𝐝. 𝐈𝐭’𝐬 𝐭𝐨 𝐦𝐚𝐤𝐞 𝐬𝐮𝐫𝐞 𝐭𝐡𝐞 𝐧𝐮𝐦𝐛𝐞𝐫𝐬 𝐰𝐨𝐫𝐤 𝐢𝐧 𝐲𝐨𝐮𝐫 𝐟𝐚𝐯𝐨𝐫 𝐥𝐨𝐧𝐠 𝐚𝐟𝐭𝐞𝐫 𝐜𝐥𝐨𝐬𝐢𝐧𝐠.

Follow along! I’m sharing more ways buyers can structure smarter offers and potentially save money. 🔑

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

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