Jared Thom - Loan Officer

10/19/2026

Were you close to qualifying for a mortgage, but your credit score held you back? It may be worth taking another look.

We can now review eligible Conventional and VA loan files using VantageScore® in addition to FICO®, giving us another way to evaluate your credit. Rent payment history may also be considered when available.

A different scoring model doesn’t guarantee approval or better terms, but a second review could help you understand your options and what steps come next.

Call us at 602-410-0069 and ask for a Second-Model Review. Let’s see what another look could mean for your plans.

10/16/2026

Love the condo, but heard financing could be complicated? Before you cross it off your list, let’s explore your options.

Hotel-style features, such as a front desk, can make traditional condo financing more challenging. But we may have financing available for eligible condotel properties associated with a major luxury chain.

Checking the property’s eligibility early can help you understand what’s possible before you get further into the purchase.

Call us with the property details. We’ll help you take a closer look and explore your next step. Program requirements and restrictions apply.

10/14/2026

You took the leap and started your own business. Now you’re wondering if being self-employed means putting your home plans on hold.

One year in business may open more doors than you think. Eligible borrowers may have financing options without waiting for a full two-year self-employment history.

Your income, documentation, credit, and overall qualifications still matter. We can review your situation and help you understand what may be possible.

Call us to see whether your first year of self-employment could be enough to take the next step.

10/14/2026

The down payment isn’t the only expense that can make buying a home feel out of reach. Closing costs can be another hurdle, and seller concessions may help bridge that gap.

Seller concessions are negotiated contributions from the seller toward eligible buyer costs. Depending on your loan program, they could help cover closing costs, prepaid expenses, or an interest rate buydown.

Every purchase is different, and contribution limits apply. Call us before you make an offer. We’ll work with you and your agent to compare the numbers and see how seller concessions could fit your purchase.

10/09/2026

Before you start shopping for a home, let’s talk about the monthly payment you’re comfortable with.

Your preferred payment helps us build a price range around your budget. What you qualify for also depends on your income, credit, debts, and down payment. Looking at both helps you shop with confidence and focus on homes that fit your life.

Mortgage rates move daily, much like stock prices. We’ll use current rates to estimate your payment while you shop, then review your rate and lock options once you’re under contract.

Give us a call! We’ll help you understand your numbers before you fall in love with a home.

10/06/2026

5.0 star review received on Experience.com for Jared Thom by Janiece E - My experience was great. My questions were answered when I was unsure. Jared and his team are wonderful to have in your corner. He knows what he is doing. I am VERY happy to have had Jared 's help with my loan.

Click to see all 812 reviews of Jared Thom, VP/Senior Loan Officer | NMLS #170154

10/06/2026

5.0 star review received on Experience.com for Jared Thom by Robert G - As the listing agent of my interaction with Jared, it was a smooth process. He provided updates as requested and we closed on time. I would welcome the opportunity to work with him again in another transaction

Click to see all 812 reviews of Jared Thom, VP/Senior Loan Officer | NMLS #170154

10/04/2026

5.0 star review received on Experience.com for Jared Thom by Robert L P - Jared was awesome, proactive along the process and very responsive when we had questions.

Click to see all 812 reviews of Jared Thom, VP/Senior Loan Officer | NMLS #170154

10/03/2026

5.0 star review received on Experience.com for Jared Thom by Christie C R - Jared made it great! He was definitely looking out for me, great communication, felt like I had a friend in the business!

Click to see all 810 reviews of Jared Thom, VP/Senior Loan Officer | NMLS #170154

09/28/2026

5.0 star review received on Experience.com for Jared Thom by Douglas T P - Jared is awesome. He's patient, listens and focuses on the best option for you. outstanding experience!

Click to see all 808 reviews of Jared Thom, VP/Senior Loan Officer | NMLS #170154