Bernie Tomei - NMLS 350615

Bernie Tomei - NMLS 350615 Mortgage Lender I Girl Mom I Dream-Maker

They can’t all be content days! 🤓 I’m working on something I’m super excited about and can’t wait to share in the next f...
09/04/2026

They can’t all be content days! 🤓 I’m working on something I’m super excited about and can’t wait to share in the next few weeks! Plus, we’re off to celebrate my nieces birthdays tonight! And with no kids soccer games this weekend, I’ll be available by cell if any questions come up!

08/28/2026

I wouldn’t let my best friend buy a house without calling me first. 😉
Not because I want their business…
Because I want to make sure they actually understand the numbers before making one of the biggest purchases of their life.
Know your budget.
Know your payment.
Know your closing costs.
Know your options.
A pre-approval is a starting point. A plan is so much better.
When you have a lender in your corner who knows your goals, knows your situation, and is actually invested in getting you to the closing table, you have someone who can help you navigate the unexpected, look for ways to save money, and make sure there are no surprises along the way.
That’s what I want for my friends, my clients, and honestly… anyone buying a home.
So whether it’s me or another trusted lender in your circle, call your friend first.
And if your friend is getting ready to buy, refinance, or invest, send them this post.
Because friends don’t let friends buy a house unprepared.

08/26/2026

Some people call me Bernie. Some call me Bern. I just want you to call me when you need a mortgage…seriously, just call me. If you start today, you can be in your own home by the holidays! 🎄🔑

Fannie Mae updated its mortgage rate forecast for 2026… but before you decide to wait until next year, there’s something...
08/25/2026

Fannie Mae updated its mortgage rate forecast for 2026… but before you decide to wait until next year, there’s something important to remember:

📉 Forecasts are predictions

The market can change. Rates can change. Your situation can change. And what makes sense for one buyer may not make sense for another.

My job isn’t to tell you when to buy or wait — it’s to help you understand your options and make an informed decision.
SWIPE through for the latest forecast ➡️

08/20/2026

Moving from CA to TN? Here’s a closing cost difference you may not know about.

If you’re buying a home in Tennessee after living in California, you may notice some unfamiliar taxes on your closing statement.

In California, the standard documentary transfer tax is generally $1.10 per $1,000 of the sale price (0.11%), although some cities have additional transfer taxes.

Tennessee has a realty transfer tax of $0.37 per $100 of the property value/consideration. Tennessee also has an indebtedness tax on recorded mortgage debt of $0.115 per $100, after excluding the first $2,000 of indebtedness.
For example, on a $600,000 Tennessee purchase with a $500,000 mortgage, the state taxes alone would be approximately:

• Realty transfer tax: $2,220
• Indebtedness tax: $573

That’s roughly $2,793 in these two Tennessee taxes.

And here’s the important part: who pays what can differ between California and Tennessee, so don’t assume your California closing experience will look the same in Tennessee.
Moving states means learning a whole new set of rules—and that’s exactly why having a local professional in your corner matters.

If you’re considering a move from CA to TN, save this post. You’ll want it when you start looking at your closing costs. And if you want to chat, I’m a licensed mortgage advisor who made the move myself. Bernie Tomei I NMLS 350615

If you’ve been watching mortgage rates and wondering what the latest Treasury announcement could mean for you, this is w...
08/19/2026

If you’ve been watching mortgage rates and wondering what the latest Treasury announcement could mean for you, this is worth a read 👀 SWIPE ➡️ through for the simple version and SAVE this for when you’re ready to chat. And when that time comes, I’m here to help you make sense of the numbers and your options 🤍 I Bernie Tomei I Mortgage Advisor I NMLS 350615

08/19/2026

Plot twist: The appraisal was about to expire… and we still got it done. 👀
This client first came to me in March for a buyout of an inherited property.
We ordered the appraisal, but setbacks with the buyout forced us to cancel the transaction.
Fast forward to August 1: she was ready to move again.
The appraisal was set to expire 8/24.
So we moved.
📄 Paperwork received Monday, 8/3
✅ Disclosed + submitted
🎉 Clear to close by 8/4
✍️ Jumbo loan signed 8/11
💰 Funded Monday, 8/17
And the best part?
No second appraisal. No unnecessary additional fees. No dragging it out.
We also coordinated the deed signings needed for the buyout so all the pieces could come together on time.
This is why who you work with matters.
When a transaction is time-sensitive, you need more than someone who can get you approved.
You need someone who communicates, anticipates problems, knows the process, and can actually execute when the clock is ticking.
If you have a time-sensitive purchase, refinance, buyout, or other lending situation, let’s talk.
Sometimes the difference between “this is going to be a nightmare” and “we funded Monday” is who you have in your corner.

08/04/2026

Moving With Middle Schoolers
When we moved from Rocklin CA to Franklin TN, my daughter was in 6th grade — which was still elementary in CA. Here in Franklin, 6th grade is middle school. I was so nervous for my girl, but here’s what the school did for us, without us even asking:
1️⃣ They set up a meeting before day one. An hour with the grade principal and counselor — they answered every question we had and helped her pick electives based on her interests and past classes, plus gave us a full tour.
2️⃣ They handed her a full supply packet. Color-coordinated folders and all — one less thing for us to stress about that first week.
3️⃣ They connected her with coaches early. Season was already over, but they asked what sports she played and personally introduced her to the basketball and soccer coaches — so by tryouts that summer, she didn’t feel like the “new kid.”
4️⃣ They gave her a mentor for her first week. Not just a random volunteer — they found out she plays competitive soccer and paired her with another comp soccer player to walk her to classes and sit with their friends at lunch.
5️⃣ The one downside - report card grading. Our elementary graded on year end standards and we left before year end. They didn’t do % or letter grades so the new school had to decipher a grade for the report card - and they gave my daughter 85s across the board. I didn’t know to push back and in hindsight I wish I had. If middle school report cards and GPAs are a concern, this is definitely something to talk to the counselors about if you move mid-year.
One last thing - being just weeks away from 6th grade promotion when we moved, her principal gave her a “mini promotion” on her last day of school - knowing we wouldn’t have this milestone for memories and pictures 🥹 If you find yourself in the same boat, it’s def worth an ask!

If you’re considering a move with middle schoolers, know that resources like this exist — you just may not know to ask for them.

I’m a licensed mortgage advisor in both CA & TN, but mostly I just remember what this move was like. Feel free to comment or DM with anything, mortgage-related or not.

To be honest, before moving to TN, I had a lot of ideas of how life would be. After living in Franklin for a year, there...
07/28/2026

To be honest, before moving to TN, I had a lot of ideas of how life would be. After living in Franklin for a year, there were a few of the things I was surprised by – some good, some not great, but all worth knowing:

😊 How friendly the people are. Online, CA transplants get a ton of heat, but in my personal experience, the people I’ve met have been nothing short of kind and welcoming.

🎶 There’s music everywhere. Not just the large concerts but literally everywhere. On the street, at the restaurants, at the wineries, in the hotel lobby and the airport. Its amazing.

🌫️ The humidity! I read before we moved that that the heat here is “oppressive”. I lived in Rocklin where it regularly got above 100 – how hot could it really be? Well let me tell you, with the humidity – it is HOT! But that’s what A/C is for! And as a bonus, utilities are far less expensive and there’s no soccer practice in the summer! And for the ladies – surprisingly, this humidity doesn’t seem to affect my hair the same 🤷🏻‍♀️ so that’s another plus

🐞 The more humid, the bigger the bugs – is that a saying? Because the bugs here are big and they’re LOUD! I always said that (despite where they actually spent the money), for me, I paid my CA taxes to keep the bugs and the humidity away. So, the tradeoff for me with no state taxes meant bigger bugs. And we just hire a really great pest control company.

⛈️ Storm Season. We do get real thunderstorms and tornado watches here! But it kind of reminds me of FL – it’s sunny and hot and then we get a storm in the afternoon sometimes - at least that’s what it’s felt like all month. In the last year, we’ve had 1 tornado warning where we had to hunker down as a family in the closet. It was a little scary but I was thankful that my tweens had no choice but to snuggle me because of the lack of room. Count your blessings where you can! For Davidson and Williamson County - on YouTube and Insta is a MUST FOLLOW for weather updates.

So there it is - things to consider if you're planning a move to TN.
Having lived the move myself recently, happy to chat about any part of the move – not just the money stuff.

“Should I pay off debt or save for my downpayment?” One of the most-asked questions I get – and why the answer is differ...
07/23/2026

“Should I pay off debt or save for my downpayment?” One of the most-asked questions I get – and why the answer is different for almost every client. Everyone wants a rule of thumb answer. But here’s the honest truth: there isn’t one. And anyone handing you a universal answer isn’t looking closely enough. What I CAN tell you is how the two levers work: Pay down debt affects your debt-to-income ratio, one of the key numbers in what you may qualify to borrow. Saving affects your down payment options, your reserves, and which loan program might fit. The catch? They pull against each other, and they interact differently depending on your balances, your timeline, your income, and your goals. Two people with identical paychecks can land on completely opposite strategies – and both are right. That’s why the real answer isn’t a rule. It’s a review. Your numbers, on paper, with the trade-offs laid out side by side – so YOU can make the call with clear eyes. (And for the bigger financial picture, your tax professional or financial advisor is a great part of the team too!). Sitting on this exact question right now? DM me “LEVERS” and let’s look at your numbers – no rules of thumb, just your actual math.


Bernie Tomei I NMLS 350615, Mortgage Advisor
United American Mortgage Co, NMLS 1942

Address

Brentwood, TN
37027

Telephone

+14088937939

Website

Alerts

Be the first to know and let us send you an email when Bernie Tomei - NMLS 350615 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Bernie Tomei - NMLS 350615:

Shortcuts

Share

Category