Niche Home Loan Programs With Tom

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Niche Home Loan Programs With Tom Finance your home with the best in the business and enjoy our award winning customer service

Homeowners and future homeowners: Finance your home with the best in the business and enjoy our award winning customer service and industry low rates.

10/07/2026

The best feedback isn’t about rates. It’s about how the process felt.

Grateful for clients who trust us with one of the biggest decisions they’ll make.

👋 Buying or refinancing? Send me a message or call 949-285-0660. We’ll take it one step at a time.

I prioritize quick responses, clear answers, and a team that has your best interest in mind.

09/26/2026

Access your home’s growing equity at a fraction of the time and cost.

Digital HELOC - better than a loan:

✅ 5.99% - 14.99% Fixed APR
✅ $5,000 - $400,000 Line of Credit
✅ Lowest HELOC Rate-guaranteed
✅ Fixed Monthly Payments

Unlock more than your home equity: your financial potential.

Get approved in minutes.

DM for info

09/16/2026

Thinking about asking the seller for a discount?

$25k off an $800k house? That barely moves your payment (~$135–160/mo).

Ask them to put that $25k toward a rate buydown instead.

Permanent: a few hundred off every month.
Temporary 2-1: closer to $880/mo in year one.

Same seller dollars. Completely different payment.

09/13/2026

Ryno’s changed pizza forever in San Clemente. We don’t deserve you!

Get your f***y over to Ryno’s Pizza | NYC Style Pizza | San Clemente and order yourself a hot honey pep!

09/10/2026

Considering a HELOC?

Here are 3 reasons homeowners may explore one… plus a bonus reason:

1. Access funds for home improvements or major expenses.

2. Use available equity without refinancing your existing mortgage.

3. Enjoy flexible borrowing by accessing funds as needed.

4. Bonus: A HELOC may offer a lower interest rate than credit cards or other unsecured loans, potentially helping consolidate higher-interest consumer debt.

Your home equity may be one of your most valuable financial resources. Want to see how much equity you may be able to access?

Send me a message or comment “HELOC” to start the conversation.

The property-tax twist most people miss.You might be able to take your low tax base with you.Up to 3 times.DM me or visi...
09/03/2026

The property-tax twist most people miss.

You might be able to take your low tax base with you.

Up to 3 times.

DM me or visit tomjessop.com

Prop 19 in 10 seconds:55+? You can move and keep your low tax base.Leaving the house to your kids? They may keep it too....
09/03/2026

Prop 19 in 10 seconds:
55+? You can move and keep your low tax base.
Leaving the house to your kids? They may keep it too... if they live there.
Have questions about a move or refinance?
Send me a message.

09/01/2026

✋⭐️ Smooth process. Clear communication. Follow-through.

That’s the goal every single time. Thanks for the kind words, Lucia 🙌

Need a lender you can count on? Reach out anytime.

Address

224 Avenida Del Mar, Suite E
San Clemente, CA
92672

Opening Hours

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

Telephone

+19492660143

Website

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