Tommy the Mortgage & Real Estate Guy

06/16/2026

For my first time buyers out there, I often hear, “how much can I afford?”

A Michigan loan officer breaks down the real household income needed to buy a $300,000 home, using debt-to-income math and local Oakland and Macomb County numbers.

06/09/2026

$279 a month.... that was the difference between "we got the house" and "we walked away."

My buyers had already lost 3 offers. Then they found the one, a $525K dream home and the lender's payment quote nearly scared them off. "Let's just wait for rates to drop."

We didn't wait. A lender-paid buydown cut their first-year payment ~$279/mo. funded by the lender, not them, not the seller. Winning offer🙌 Keys in hand. 🔑

Know a buyer stuck on the payment? Send them my way 👇

A Rochester buyer was ready to walk on their dream home over the payment. Here is how a lender-paid 1/0 buydown got them to write the winning offer.

05/01/2026

Boring fed decision...but when you look under the hood, it tells us some interesting things...

The Fed held rates on April 29, 2026. Here's what it actually means for Michigan home buyers and whether waiting for cuts is still a strategy.

07/12/2025

🦅💙🤍Proud to donate $500 to the Rochester High School Athletic Boosters. One of the homes I sold last week belonged to a Falcon family, and this felt like the perfect way to give back. As a Rochester dad, this community means a lot to me.

I’m really grateful for the two families who trusted me to help them close on their homes last week. One in Saint Clair, one right here in Rochester Hills. It’s an honor to be part of such an important moment in their lives.

Also feeling thankful to be surrounded by some incredible people at REALTEAM. I get to work alongside a team that shows up with passion and drive every single day.

If selling has been on your mind, this is a great time to make a move especially in Rochester. The market is active and serious buyers are out there.

Thanks again to everyone who supports me and cheers me on. I don’t take it for granted.

07/12/2025

Proud to donate $500 to the Rochester High School Athletic Boosters. One of the homes I sold last week belonged to a Falcon family, and this felt like the perfect way to give back. As a Rochester dad, this community means a lot to me.

I’m really grateful for the two families who trusted me to help them close on their homes last week. One in Saint Clair, one right here in Rochester Hills. It’s an honor to be part of such an important moment in their lives.

Also feeling thankful to be surrounded by some incredible people at REALTEAM. I get to work alongside a team that shows up with passion and drive every single day.

If selling has been on your mind, this is a great time to make a move especially in Rochester. The market is active and serious buyers are out there.

Thanks again to everyone who supports me and cheers me on. I don’t take it for granted.

05/29/2025

Come be our neighbor. This is a great home in a great location. You will love the neighborhood, promise :-)

Call me for a showing: 586-315-4507

https://mirealteam.com/listings?id=628017995

Michigan Made Mortgage & Real Estate Expert - NMLS # 31194 MI Lic. 380758

11/20/2024

Big W for the Chips tonight! Thought this was appropriate to repost.

10/11/2024

🏡 JUST SOLD! 🏡

I want to give a huge shout-out and heartfelt thank you to my friends Terri and Stu Kissinger, proud Rochester High School parents, for trusting me with the referral of Terri's mother to help sell her beautiful home! It’s been an honor to work with your family, and I’m so grateful for the opportunity.

As a fellow Falcon Booster and in the spirit of supporting our amazing community, I’ll be donating $250 to the Falcon Boosters Club in her name. It’s a small way to give back to the place we love while celebrating our Falcon Families! 🦅💙

To my Rochester family, if you or someone you know is looking to make a move, don’t hesitate to reach out! I’m always here to help. Now let's BEAT Harper Woods!!!

09/25/2024

Ahhhh TC!

04/26/2024

Oak Park Ranch Home!!
3 BD | 1.1 BA | 1,162 SQ FT
$174,900
Listing Agent: Kevin Devergilio - 248-396-4246

⬇️⬇️⬇️⬇️*click the link in the comments for more info*⬇️⬇️⬇️⬇️