Tom Gibbons Mortgage Loan Officer

Tom Gibbons Mortgage Loan Officer Mortgage lender with experienced professionals in the neighborhoods where you live. NMLS 75243 Call or text Tom at 401-523-5947.

Tom Gibbons has been in the mortgage industry since 2013, starting as a loan processor and working his way up to Operations Manager at PRMG's Providence branch alongside his father, John Gibbons. After more than a decade of experience in processing, underwriting, and operations, Tom became a licensed loan originator, bringing valuable behind-the-scenes knowledge to every client he serves. Licensed

in Rhode Island and Florida, Tom helps homebuyers and homeowners with FHA, VA, USDA, conventional, jumbo, and Non-QM financing. Whether you're buying your first home, refinancing, or relocating, Tom's goal is simple: provide clear guidance and help you choose the mortgage solution that best fits your needs.

"Renting vs. buying isn't a simple “which one is better?” question.Over five years, you're making very different financi...
09/09/2026

"Renting vs. buying isn't a simple “which one is better?” question.

Over five years, you're making very different financial tradeoffs.

With renting, you're paying for the flexibility and use of the home. With owning, you're also building an ownership stake through principal paydown, with the potential for your home to appreciate over time.

But buying also comes with maintenance, taxes, insurance, and transaction costs.

The right choice depends on your timeline, finances, goals, and what the numbers look like for you.

The best question isn't “Should I rent or buy?”

It's “What does each option look like over the next 5 years?”



renting vs buying | rent vs buy | homeownership | first time homebuyer | home buying decision

09/01/2026

Thinking about buying a home? Don’t rush to pay off every debt first.
It might seem like the obvious move — use your savings to eliminate as much debt as possible.
But before you move money around, let’s look at the big picture.
Your cash, debts, income, credit profile, and home-buying goals all matter. Sometimes paying off a debt is the right move. Sometimes keeping those funds available may give you more options.
The key is knowing your options BEFORE making a major financial decision.
If buying a home is on your radar, let’s build the mortgage strategy first — then decide where your money makes the most sense.
Have questions about getting mortgage-ready? Send me a message.

Think your credit score isn't good enough to buy a home?There are a lot of myths about credit, and believing them could ...
08/29/2026

Think your credit score isn't good enough to buy a home?

There are a lot of myths about credit, and believing them could keep you from feeling confident about your homeownership goals.

Here are four common misconceptions:

✔ Paying on time is important, but it's not the only factor that affects your credit score.
✔ Closing old credit cards isn't always the best move.
✔ Checking your own credit score generally won't hurt it.
✔ Opening new credit accounts may not help if you're getting ready to buy a home.

The more you understand how credit works, the more prepared you'll be when it's time to start your homebuying journey.

Save this post for future reference.
Share it with someone who's working on their credit.



Credit Score | Credit Score Myths | Improve Credit Score | Credit Tips | Credit Utilization | Credit History | Credit Report | Soft Credit Inquiry | Hard Credit Inquiry | Personal Finance | Financial Wellness | Home Buying Tips | First-Time Homebuyer | Mortgage Preparation | Credit Education | Homeownership | Mortgage Tips | Buying a Home | PRMG | Credit Health

08/28/2026

Qualification and Affordability are not necessarily the same conversation. Contact me or click the link in my bio to discover which mortgage option best fits your needs.

One of the most common questions buyers ask is:"What if the appraisal comes in lower than my offer?"The good news is tha...
08/27/2026

One of the most common questions buyers ask is:

"What if the appraisal comes in lower than my offer?"

The good news is that it doesn't automatically mean you'll lose the home.

A home appraisal is simply one step in the buying process that helps determine the home's market value.

In today's lesson, we covered:

• What a home appraisal is.
• Why it's an important part of the process.
• What happens if the value comes in lower than expected.
• Some of the options that may be available depending on your purchase agreement.

Understanding the appraisal process can help you feel more confident and prepared if questions come up along the way.

Save this lesson for future reference.
Share it with someone who's preparing to buy a home.
Follow my page for more homebuyer education.



Home Buying 101 | Home Appraisal | Appraised Value | Home Buying Process | First Time Homebuyer | Buying A Home | Home Value | Home Buying Tips | Home Purchase | Real Estate Education | Appraisal Process | House Hunting | Homeownership | Home Buyer Guide | Buying Your First Home | Mortgage Education | Home Buying Education | Real Estate Tips | Home Buying Journey | Market Value

08/26/2026

Buying a rental property? Your W-2 income may not be the only way to qualify.
A DSCR loan looks at the rental property’s income and asks a simple question:
Does the property’s cash flow cover the monthly housing payment?
That’s different from traditional financing, where your personal income, W-2s, and tax returns can play a major role.
If you’re a real estate investor looking to purchase your next rental property, understanding your financing options before you make an offer can make a big difference.
Have a property in mind? Send me the address and let’s look at the numbers.
Tom Gibbons | Mortgage Loan Officer | PRMG
Rhode Island & Florida

One of the biggest questions homebuyers have is:"What happens if the inspection finds problems?"The good news is that an...
08/25/2026

One of the biggest questions homebuyers have is:

"What happens if the inspection finds problems?"

The good news is that an inspection isn't about finding a perfect home, it's about giving you a better understanding of the home's condition so you can make informed decisions.

In today's lesson, we covered:

• What a home inspector evaluates.
• What an inspection doesn't determine.
• Why it's normal for reports to include findings.
• What happens after you receive the report.
• When repairs or credits may be negotiated.

Most homes have a few items worth noting. The inspection is simply an opportunity to learn more about the home before moving forward.

Save this lesson for future reference.
Share it with someone who's getting ready to buy their first home.
Follow my page for more homebuyer education.



Home Buying 101 | Home Inspection | First Time Homebuyer | Buying A Home | Home Buying Process | Home Inspection Checklist | Inspection Report | Home Buyer Guide | Homeownership | Home Buying Tips | Real Estate Tips | Home Maintenance | Buying Your First Home | House Hunting | Home Purchase | Home Inspection Process | Home Buying Education | Real Estate Education | Mortgage Education | Homeownership Journey

08/24/2026

Are higher mortgage rates slowing the housing market?

Want to build home equity faster? 🏡💰Growing your equity doesn't always mean making major financial changes. Sometimes it...
08/22/2026

Want to build home equity faster? 🏡💰

Growing your equity doesn't always mean making major financial changes. Sometimes it's the small, consistent habits that can make the biggest difference over time.

Here are three simple strategies to consider:

✔ Make bi-weekly mortgage payments (if available through your loan servicer).
✔ Apply extra payments directly toward your principal balance.
✔ Invest in home improvements that may add long-term value.

Every homeowner's situation is different, but small steps today may help you build equity over time.

Save this post for future reference.
Share it with a homeowner who may find these tips helpful.

Which strategy would you try first?



Home Equity | Build Home Equity | Homeowner Tips | Homeownership | Mortgage Tips | Bi-Weekly Mortgage Payments | Principal Payments | Paying Down Your Mortgage | Home Improvements | Increase Home Value | Home Maintenance | Real Estate Education | Financial Wellness | Home Buying Tips | Mortgage Education | Equity Growth | Build Wealth Through Real Estate | Home Equity Strategies | Personal Finance | PRMG

"Finding the right home is exciting, but making an offer is where the process really begins.Many first-time buyers assum...
08/20/2026

"Finding the right home is exciting, but making an offer is where the process really begins.

Many first-time buyers assume the list price is exactly what they'll pay, but there's often more to the conversation.

In today's lesson, we covered:

• What goes into an offer.
• What earnest money is and why it's important.
• How contingencies help protect buyers.
• Why negotiations are a normal part of the process.
• What happens after your offer is accepted.

Every home purchase is unique, but understanding these steps can help you feel more prepared when it's time to make an offer.

Save this lesson for future reference.
Share it with someone who's getting ready to buy their first home.
Follow my page for more homebuyer education.



Home Buying 101 | Making an Offer | Home Offer | Offer Price | Earnest Money | Contingencies | Home Buying Process | First Time Homebuyer | Home Buying Tips | Real Estate Negotiation | Home Purchase | Buying A Home | Homeownership | Mortgage Education | Real Estate Tips | Purchase Contract | Offer Accepted | Home Buyer Guide | House Hunting | Home Buying Education

Address

3 Regency Plaza Suite 23
Providence, RI
02903

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+14015235947

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