Lynne Tomkowski, VP Sr Mortgage Originator, NMLS 552378,First Commonwealth

09/09/2026

If you're looking for a home outside the city, there's one loan option I always want buyers to know to ask about.

Because a lot of people hear "USDA" and assume we're talking about farms or homes way out in the country – but that's not necessarily the case.

Eligible properties can be located in many rural and suburban areas, and for qualified buyers, USDA financing may offer benefits like 100% financing with no down payment required.

The catch? Both the property and the borrower have to meet USDA eligibility requirements.

So if you've found a home you love or if you're starting to look in an area a little farther outside the city, send me the address.

I’d be happy to help you check whether USDA financing could be an option and if it makes sense for you.

Equal Housing Lender NMLS #479240
https://myoc.io/dQBr40dbuCG

09/09/2026

5.0 star review received on Experience.com for Lynne Tomkowski by John R H - Lynne is a true professional. She is very nearly always available, courteous and knowledgeable. Her assistance is invaluable. I would recommend her to anybody looking to finance.

Click to see all 999 reviews of Lynne Tomkowski - First Commonwealth Mortgage , VP/Senior Mortgage Loan Originator | NMLS # 552378

09/08/2026

There can be a pretty big difference between what you’re approved to borrow, and what you'll actually feel comfortable paying every month.

That's why I don't want to stop the conversation at, "Here's what you're approved for."

I want to know what else matters to you.

Do you need room in the budget for travel, or daycare costs coming soon?
Do you have other financial goals you're working toward?
Would a higher payment make you feel stretched, even if you technically qualify for it?

I make sure to help you anticipate the costs that might not show up on a mortgage application, but absolutely matter when you're deciding how much home feels right for you.

Because getting approved is just the first step toward buying a home. My job is to help guide you through the rest.

Equal Housing Lender NMLS #479240
https://myoc.io/dQBr40dbuCG

09/03/2026

5.0 star review received on Experience.com for Lynne Tomkowski by Jeremy H - Everything wlent quickly, smoothy, and very efficient!

Click to see all 997 reviews of Lynne Tomkowski - First Commonwealth Mortgage , VP/Senior Mortgage Loan Originator | NMLS # 552378

09/01/2026

5.0 star review received on Experience.com for Lynne Tomkowski by Craig M - Lynne Tomkowski was absolutely stellar in the whole process.

Click to see all 996 reviews of Lynne Tomkowski - First Commonwealth Mortgage , VP/Senior Mortgage Loan Originator | NMLS # 552378

08/24/2026

5.0 star review received on Experience.com for Lynne Tomkowski by Zaine T T - Lynne was fantastic to work with and the best MLO in the business! Thanks for everything!

08/20/2026

Every summer I talk to people who are one conversation away from being ready to buy.

They've been watching the market. Saving. Thinking about it. But something keeps making them push the timeline back — rates, inventory, timing, life.

And sometimes that makes total sense. But sometimes they just haven't had someone sit down with them and actually walk through the numbers. Once that happens, the picture gets a lot clearer.

If this summer has had you thinking about buying, downsizing, or making a move before the end of the year, I'd genuinely love to have that conversation with you.

Comment SUMMER below and I'll reach out. No pitch, just clarity.

Equal Housing Lender NMLS #479240
https://myoc.io/dQBr40dbuCG

08/19/2026

If you are the type who checks your credit score before buying a house every few days hoping for a jump, I get it. That habit comes from wanting to feel in control of something that feels uncertain.

But watching a number does not move it. Understanding what is behind it does.

What actually helps your credit score and your mortgage rate is knowing what is working in your favor and what is quietly holding you back, then having a plan for it before you apply. That takes a real conversation, not a daily app check.

Let this be your permission to close the app and talk to someone instead.

Comment SCORE and tell me where you're at. I'd be happy to do a quick consultation to help you assess your specific situation so you can stop guessing and start taking steps forward.

Equal Housing Lender NMLS #479240
https://myoc.io/dQBr40dbuCG

08/18/2026

The homebuying process doesn’t start when you begin touring houses. It starts with understanding where you stand financially and creating a plan that fits your goals.

That might mean getting pre-approved now, or exploring loan options you didn't know existed.

Or it might simply mean identifying a few things to work on over the next few months so you're in a stronger position when you're ready.

The sooner you have that clarity, the more confident you'll feel when the right home comes along.

If buying before the end of the year is on your mind, comment PLAN below or visit my website. I'd be happy to help you figure out what your next step looks like.

Equal Housing Lender NMLS #479240
https://myoc.io/dQBr40dbuCG

08/17/2026

If you've ever thought, "My situation is probably too complicated...", this post is for you.

Honestly, one of the reasons I love working at First Commonwealth is what we're able to do for customers who don't fit the standard mold.

Most lenders are working off the same set of guidelines, which means that when your situation falls outside those guidelines, the answer can often be an automatic “no”.

As a local bank, our ability to hold certain loans in-house means we're not always bound by the same rigid requirements.

Because of that, I’ve been able to close loans for people who have already been turned away somewhere else. Not because we cut corners, but because we have more options to work with.

If you've been told no somewhere else or you think your situation is too complicated, comment FIT below. I'd love to take a look with fresh eyes.

Equal Housing Lender NMLS #479240
https://myoc.io/dQBr40dbuCG