Tom Ritter - Home Loans

Tom Ritter - Home Loans Senior Mortgage Advisor - NMLS 120727

Serving WA, ID, UT, & MT
Your home loan and reverse mortgage expert. NMLS #120727

Senior Mortgage Advisor at Axia Home Loans with 15 years in the mortgage industry.

Thank you, Erin, for your kind words! I'm so glad I could help you navigate your loan. It was a pleasure working with yo...
02/11/2025

Thank you, Erin, for your kind words! I'm so glad I could help you navigate your loan. It was a pleasure working with you.

When you work with me, you can count on these key commitments:

→ I offer tailored expert advice to fit your specific financial picture.
→ I maintain open and honest communication throughout the entire process.
→ I'm committed to giving you personalized support and answering all your questions.
→ I work hard to get you the best possible loan terms and rates.
→ I will never push you into a financial situation that I don't believe is right for you.

Schedule a meeting with me today to get started: https://buff.ly/4jYiRsD

The net worth of homeowners is about 40x that of the average renter. That's crazy! Think of your home as a built-in savi...
10/10/2023

The net worth of homeowners is about 40x that of the average renter. That's crazy!

Think of your home as a built-in savings account that you can tap into when you need it. You're not only paying towards the ownership of the home, but you're also gaining equity as your home's value increases. All while having the luxury of living in your beautiful asset.

If homeownership feels out of reach, join us on Oct 14th at 12 pm for our Homebuyer Navigation Class. Let's make your homeownership dreams a reality! 🏡💫 RSVP here: https://buff.ly/45eLU2v

Don't let the clock tick away your financial opportunities! In Weber County, the estimated cost of waiting to buy a $450...
10/06/2023

Don't let the clock tick away your financial opportunities! In Weber County, the estimated cost of waiting to buy a $450k house can be staggering:

📆 Waiting just 6 months: -$6,820
📆 Waiting a full year: -$24,434
📆 Waiting three years: -$57,224

Imagine what you could do with that money instead!

But there's good news – you don't have to wait any longer to take the first step towards homeownership. Join us on October 14th at 12 pm for our Homebuyer Navigation Class at ERA Brokers Consolidated in Ogden. We're here to equip you with valuable insights and tools to make informed decisions in the local housing market. Plus, we've got lunch and refreshments covered!

RSVP now: https://buff.ly/45eLU2v.

In 2024, experts anticipate a nationwide increase in home prices, projecting a 3.4% rise due to limited housing inventor...
09/30/2023

In 2024, experts anticipate a nationwide increase in home prices, projecting a 3.4% rise due to limited housing inventory. However, the Odgen - Clearfield region is expected to experience an even higher increase of 7.4%.

If you're considering purchasing a home in the upcoming year, now is the time to act before interest rates drop and the market becomes saturated with buyers. Historically, fall has proven to be an advantageous season for buyers, as sellers are eager to make sales before winter sets in.

If you're unsure whether it's the right moment to buy, we invite you to attend our Homebuyer Navigation Class. This event will provide you with valuable insights and tools to make informed decisions in your local housing market.

Join us on Saturday, October 14th, from 12 pm to 2 pm at ERA Brokers Consolidated in Ogden. Lunch and refreshments will be provided!

Please RSVP here: https://buff.ly/45eLU2v

If you’re thinking about buying a home soon, one thing you can do to help you get ready is focus on your credit score. H...
09/15/2023

If you’re thinking about buying a home soon, one thing you can do to help you get ready is focus on your credit score. Higher scores can help you get a lower mortgage rate and better loan terms. A loan officer can provide even more strategies to help you improve your credit score. If you're ready to buy now, DM me for other valuable tips on the homebuying process.

Are you worried that there aren't any buyers out there?Data says it's just the opposite. The latest ShowingTime Showing ...
09/13/2023

Are you worried that there aren't any buyers out there?

Data says it's just the opposite. The latest ShowingTime Showing Index (a measure of buyers touring homes) shows buyers are still more active than they were during the normal years in the housing market.

Follow for more housing updates!


Reflecting on a day that changed our world forever. 🇺🇸 Let's honor the bravery, resilience, and unity that emerged from ...
09/11/2023

Reflecting on a day that changed our world forever. 🇺🇸 Let's honor the bravery, resilience, and unity that emerged from the darkness of 9/11.

House hacking is a fantastic real estate strategy that can provide multiple benefits. It involves:1. Purchasing a proper...
09/08/2023

House hacking is a fantastic real estate strategy that can provide multiple benefits.

It involves:

1. Purchasing a property.
2. Living in one part of it.
3. Renting out the other portion(s) to generate rental income.

This approach allows individuals to significantly reduce or even eliminate their housing expenses while also building equity and generating passive income.

For first-time homebuyers or real estate investors, house hacking offers a way to enter the market and start building wealth. The rental income from the property's additional units can help cover mortgage payments and other expenses, making it a financially savvy approach.

If you have any questions about the house hacking process or need further information, feel free to reach out.

Address

Eden, UT

Telephone

+12063107707

Website

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