Tom Pifer NMLS #500655

Tom Pifer NMLS #500655 Tom Pifer is a home loan mortgage originator in Sacramento, CA. Get acquainted with Tom Pifer, a third-generation Californian.

Tom grew up in the East Bay Area and earned his bachelor’s degree in economics from California State University, Chico. He loves calling Northern California home and has enjoyed living in all areas of the state, from the city life in San Francisco to the past 5 years living the forest life in unincorporated Placerville. Tom developed his passion for lending while purchasing his first home. The fre

edom of homeownership hooked him. He has been helping clients experience that freedom for the past 26 years originating home loans. Tom excels at listening to his client’s needs, educating his clients and sharing his knowledge. He has witnessed the joy of hundreds of first-time homebuyers receive the keys to their new home. Clients appreciate his honest and straightforward advice. Tom has earned a 5-star reputation helping borrowers build their dream home(s). He has accumulated a vast knowledge base in construction lending which allows him to prepare borrowers for everything from the big picture to the small details. Homebuilding can be complicated, and Tom navigates the process with calmness, patience and logic. He loves knowing he has a part in the home’s history where families and future generations will live, grow, and dream.

Finish 2023 on a high note! If you’re buying a home soon, you can still take advantage of Waterstone Mortgage's Platinum...
11/21/2023

Finish 2023 on a high note! If you’re buying a home soon, you can still take advantage of Waterstone Mortgage's Platinum Credit Approval Closing Guarantee… but time is running out. We’re offering this exclusive program for Platinum Credit Approval (PCA) customers who complete the PCA process by December 31, 2023.

With our Platinum Credit Approval Closing Guarantee, if we are unable to close a PCA loan — due to an internal error during our underwriting process — Waterstone Mortgage will pay the seller(s) of the subject property $5,000.

Remember that time is limited, so send a message to get started on your PCA process!

https://bit.ly/3R0ToCh

Did you know that for the first 1-3 years of your mortgage, you could potentially have a lower interest rate than the on...
11/20/2023

Did you know that for the first 1-3 years of your mortgage, you could potentially have a lower interest rate than the one you initially locked in? 🤩

A temporary buydown is a mortgage loan option in which the seller reduces the interest rate for the first 1-3 years of the homebuyer’s loan.

This can be a great tool for the seller, too, because it allows them to sell quickly without dropping the listing price.

Visit the blog to learn more about how a buydown works ➡️ https://bit.ly/40JrxtD

To rent or to own? 🤔Do you want to build someone else’s wealth by paying rent and in turn, their mortgage? Or would you ...
11/16/2023

To rent or to own? 🤔

Do you want to build someone else’s wealth by paying rent and in turn, their mortgage? Or would you rather build your own wealth by investing in homeownership? The choice is simple.

Invest in your future; own a home.

Send a message to get started.

Your personal brand can define your success in the real estate industry. It’s the foundation you lay down to build a cre...
11/15/2023

Your personal brand can define your success in the real estate industry. It’s the foundation you lay down to build a credible career.

When you begin to create your personal brand, it’s important that you stay true to who you are and what you believe.

Still trying to figure out what your brand looks like?

Here are some tips on how to build your personal brand: https://bit.ly/3sz93PJ

Your home’s equity can be one of the biggest resources to you financially. 🏠 💸 You can tap into that equity with a cash-...
11/14/2023

Your home’s equity can be one of the biggest resources to you financially. 🏠 💸 You can tap into that equity with a cash-out refinance for things like debt consolidation, paying off student loans, making home renovations, and more.

Learn more about Waterstone Mortgage’s refinance options: https://bit.ly/3SH9W3s

This Veterans Day, we honor those who have served or are currently serving our country. Thank you for your service.
11/11/2023

This Veterans Day, we honor those who have served or are currently serving our country. Thank you for your service.

Current mortgage rates can be scary, but they don’t have to be! If you purchase a home now, you may be able to refinance...
11/07/2023

Current mortgage rates can be scary, but they don’t have to be! If you purchase a home now, you may be able to refinance your mortgage if rates drop in the future.

At Waterstone Mortgage, we can help you take the fear out of buying and refinancing your home. Send a message to chat about your options!

Happy Motivation Monday! Take it from Laura Ingalls Wilder, “Home is the nicest word there is.” What’s motivating you on...
11/06/2023

Happy Motivation Monday! Take it from Laura Ingalls Wilder, “Home is the nicest word there is.”

What’s motivating you on your journey to homeownership today? 🏡

If you are interested in purchasing a home soon, don't miss out on this amazing opportunity! In case you missed it, we r...
11/03/2023

If you are interested in purchasing a home soon, don't miss out on this amazing opportunity! In case you missed it, we recently launched our Platinum Credit Approval Closing Guarantee, and it's only available for a limited time! We're offering this exclusive program for Platinum Credit Approval (PCA) customers who complete the PCA process by December 31, 2023.

With our Platinum Credit Approval Closing Guarantee, if we are unable to close a Platinum Credit Approval loan — due to an internal error during our underwriting process — we will pay the seller(s) of the subject property $5,000.

Remember that time is limited, so send a message to get started on your Platinum Credit Approval process!

https://bit.ly/40rVNZY

There’s no place like home for the holidays! If a new home is on your holiday wish list, let’s chat about your financing...
11/01/2023

There’s no place like home for the holidays! If a new home is on your holiday wish list, let’s chat about your financing options. 🎁

Waterstone Mortgage offers a variety of traditional and specialty loan options to fit your unique needs. Learn more: https://bit.ly/3FIycKK

Happy Halloween! 🎃 Wishing you a spook-tacular day filled with only treats — no tricks.
10/31/2023

Happy Halloween! 🎃 Wishing you a spook-tacular day filled with only treats — no tricks.

Want to buy a house, but aren’t thrilled with where rates are at? Consider a temporary interest rate buydown. Here's how...
10/30/2023

Want to buy a house, but aren’t thrilled with where rates are at? Consider a temporary interest rate buydown.

Here's how it works. You'll lock in an interest rate, then it will be reduced by 2% for the first year. For the second year, your original interest rate will be reduced by 1%. Then, in year three and going forward, you'll have that original interest rate. There's no extra cost for the homebuyer — it's covered by the seller.

This example features a 2-1 buydown, but Waterstone Mortgage also offers 3-2-1 and 1-0 buydown options.

Learn more about how this could potentially help you save on your mortgage payments: https://bit.ly/3Qap5HG

Address

836 57th Street Suite 330
Sacramento, CA
95819

Opening Hours

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

Telephone

+19163000769

Website

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