Tom Ulrich Mortgage Loan Officer NMLS #404854

Tom Ulrich Mortgage Loan Officer NMLS #404854 Tom Ulrich, VP of Mortgage Lending at Rate. Personal NMLS # 404854. Rate #2611. He’s committed to helping borrowers find options that work for them.

Tom Urich is a new Senior Loan Officer joining the Embrace team in our Melville, New York branch, where he originates loans and provides exceptional customer service to borrowers at every step of the mortgage process. The culture and growth mindset drew Tom to come aboard, along with the opportunity to succeed through our exceptional marketing support and product options for borrowers like Approved to MoveTM. Tom is a Top Purchase Producer who has also earned industry distinctions for Top Customer Service. Prior to Embrace, Tom was a Loan Officer with US Bank. He grew up in Lindenhurst and currently lives in Wading River with his wife and children.

Purchasing your first home in one of life's major milestones. Once you've saved enough for a down payment, monthly mortg...
06/10/2026

Purchasing your first home in one of life's major milestones. Once you've saved enough for a down payment, monthly mortgage payments, real estate taxes and assorted closing costs, you may feel move-in ready. Buy unexpected renovations and maintenance fees could add to your expenses. Budgeting beforehand could help reduce the stress of those surprises.

From repairs to upgrades, understanding homeownership's full financial picture could help you manage a plan for long-term success. Learn more about Hidden Costs of Buying and Owning a Home.

https://www.rate.com/mortgage/resource/overlooked_costs_homeownership?LOID=37174

The most informed buyers ask the smartest questions.Before signing anything, you should understand your loan options, yo...
06/09/2026

The most informed buyers ask the smartest questions.
Before signing anything, you should understand your loan options, your interest rate, your closing cost and your timeline. Knowing what to ask your lender puts you in control of the process.
I broke down 20 of the most important questions every buyer should bring to their lender, from rates and down payments to pre-approvals and fees. Smart mortgage decisions begin here.
Considering buying? Start with these questions

https://www.rate.com/mortgage/resource/questions-to-ask-mortgage-lender?LOID=37174

With a DSCR loan from Rate, your investment property's income plays the leading role. That means more flexibility and mo...
06/09/2026

With a DSCR loan from Rate, your investment property's income plays the leading role. That means more flexibility and more opportunity to grow your portfolio. Ready to explore investment opportunities with our DSCR Program? Contact us today to learn more!

https://www.rate.com/mortgage/loan-types/non-qm/dscr?LOID=37174

Prove you mean business with PowerBid Approval.* Our lightning-fast, full-underwriting credit approval eliminates the un...
05/15/2026

Prove you mean business with PowerBid Approval.* Our lightning-fast, full-underwriting credit approval eliminates the unknowns, giving you the edge to compete with cash. Contact me and become a power-buyer today.

https://www.rate.com/?loid=37174

Buying a home in 2026 doesn't start with listings, it starts with understanding where you stand financially. Taking time...
03/20/2026

Buying a home in 2026 doesn't start with listings, it starts with understanding where you stand financially. Taking time now to review income, debt and savings makes it easier to know what you can comfortably afford while avoiding surprises later. Preparing early helps create clarity and confidence when you're ready to make a move. Learn more about preparing for 2026.

https://www.rate.com/mortgage/resource/how-to-prepare-your-finances-to-buy-a-house?LOID=37174

01/23/2026

Struggling to find a property you love? A renovation loan may be the game-changer you're looking for. With one loan, you could finance a house and the upgrades that turn it into your dream home. Learn how our reno team could help you buy smarter and dream bigger.

01/22/2026

Clear tools and straightforward support, made for your home.? %

01/21/2026

Finally, there's a feel-good way to finance with the Rate App. Find a home that fits your vibe, get pre-approved fast and seal the deal all in one place. Check out timesaving tools that help you make all the right moves, from purchasing power to price alerts. Explore a wealth of wellness videos - from guided meditations and financial fitness to workout challenges and soothing sleep sounds. Free to download. Built to empower. Get the Rate app today.

For self-employed borrowers, business owners and those with significant assets who need larger loan amounts, flexible op...
01/21/2026

For self-employed borrowers, business owners and those with significant assets who need larger loan amounts, flexible options and more control of their cash flow - Rate Portfolio now offers super jumbo financing up to $5M. Reach out, let's talk options.

http://rate.com/tomulrich

Address

Melville, NY
11747

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

+16319052649

Website

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