Tom Menendez - Mortgage Loan Officer NMLS # 810680

Tom Menendez - Mortgage Loan Officer NMLS # 810680 I’m Tom Menendez, NMLS #810680 — your local mortgage lender serving Lutz & Land O’ Lakes! Let’s connect and get you home!

If you’re looking to buy a home in our area, I’m here to help you make it happen.

04/12/2026

If you received a friend request from me, that was not me. My account may have been hacked.

💡 There’s been a lot of news about the Fed yesterday — and many buyers assume that means mortgage rates automatically ch...
09/18/2025

💡 There’s been a lot of news about the Fed yesterday — and many buyers assume that means mortgage rates automatically change.

👉 But here’s the truth: The Federal Reserve Bank does NOT set mortgage rates.

The Fed influences the economy, and its decisions can impact the direction of rates over time. But mortgage rates actually follow the bond market and other factors — not a direct Fed announcement.

✅ Helping buyers understand this gives them clarity, keeps them from panicking at headlines, and helps them focus on what really matters: their buying power today.

📲 Realtors — Are your buyers are asking about “what the Fed did yesterday?

—
Tom Menendez
Mortgage Loan Executive | GTE Financial

💡 Realtors: This is the dilemma so many buyers face right now…On one hand: “What if rates go down?”On the other hand: “W...
09/16/2025

💡 Realtors: This is the dilemma so many buyers face right now…

On one hand: “What if rates go down?”
On the other hand: “What if prices go up?”

The truth is, no one has a crystal ball. But waiting often comes with a hidden cost — homes that sell before buyers make a move, or higher prices that erase any benefit of a lower rate.

✅ Helping buyers understand the “cost of waiting” can give them the clarity they need to move forward.

📲 Realtors, if you’d to show buyers what waiting could really cost them, let’s connect.

Tom Menendez
Mortgage Loan Executive | GTE Financial
813-215-1592

08/28/2025

Networking at Walk-On’s in Land O Lakes!

08/18/2025

We’re proud to share that GTE Financial has been recognized by American Banker as one of the Best Credit Unions to Work For!
This incredible honor reflects our passionate, dedicated team and the strong culture we’ve built together. From wellness programs and community outreach to open communication and collaboration – GTE is more than a workplace. It’s a place where people grow, support each other, and make a real difference. Thank you to our team for making GTE an extraordinary place to work and serve our members.

📝 Is Your Buyer’s Prequalification Any Good?A prequalification letter can look impressive…But here’s the truth — if cred...
08/11/2025

📝 Is Your Buyer’s Prequalification Any Good?

A prequalification letter can look impressive…
But here’s the truth — if credit, income, and assets haven’t been reviewed, it’s not worth much.

Why does this matter?
Because when those details aren’t verified upfront, surprises can pop up later — and that can derail your deal.

A strong prequalification should mean:
✅ Credit report reviewed
✅ Income verified with paystubs/tax returns
✅ Assets confirmed for down payment and closing costs

When these pieces are in place, you and your buyer can move forward with confidence, negotiate from a stronger position, and avoid last-minute stress.

That’s how I protect your deal — and your client’s dream home.

💬 Want to make sure your next buyer’s prequalification is rock solid? Let’s talk.

🛑 5 Buyer Financing Delays That Can Derail Your Deal — And Why a Strong Lender Partner Matters You don’t have to be a fi...
08/05/2025

🛑 5 Buyer Financing Delays That Can Derail Your Deal — And Why a Strong Lender Partner Matters

You don’t have to be a financing expert — that’s why you have a great lender on your side.
But as a buyer’s agent, knowing where things can go off track helps you coach your clients early and protect your deals from falling apart later.
Here are 5 common delays to watch out for:
🚫 Missing documents – Make sure your buyer gets everything to the lender ASAP
🚫 Undisclosed debt – A new car loan or new credit cards can wreck a preapproval.
🚫 Gift funds or transfers – These can cause delays if not properly documented upfront.
🚫 Self-employed income – Looks great on paper, not always on tax returns. Expect extra review time.
🚫 Weak prequalification's – If income, credit, and assets weren’t verified, it’s not solid.
💡 A little buyer coaching + the right lender = smooth contracts, happy closings.
📩 Want a quick checklist you can use during your next buyer consult? I’ve got one ready. Just comment or DM me and I’ll send it over.

Price Drop vs. Payment Drop 💡 Could a rate buydown help your listing sell faster than a price cut? Before you recommend ...
07/31/2025

Price Drop vs. Payment Drop

💡 Could a rate buydown help your listing sell faster than a price cut?

Before you recommend a price reduction to your seller, let’s look at another option.
A seller-paid rate buydown can often create more monthly savings for the buyer than a traditional price drop — and that increased affordability can make your listing stand out.
It’s a strategy that helps buyers say yes without asking your seller to give up as much.
Want to learn how this could work on your current listings? Let’s grab a coffee and talk strategy.
📩 DM me to schedule a quick consultation.

07/31/2025

We’re hosting our monthly CLE luncheon at the Carrollwood Country Club on August 14, 2025, featuring an expert panel on Personal Injury Law. Enjoy an engaging luncheon as attorneys Matias Cordoba, Mack McCormick, and Bill Winters answer questions guided by our moderators Mike Hancock and Sarah Roberge. Don’t miss this opportunity for insightful discussion, networking, and continued education!

I just bought a new paddle, who's ready for some pickleball!
07/31/2025

I just bought a new paddle, who's ready for some pickleball!

Realtors—this is what great teamwork looks like!We just closed on a home for a buyer we all worked with for over a year....
07/25/2025

Realtors—this is what great teamwork looks like!

We just closed on a home for a buyer we all worked with for over a year.

What made the difference?
✔️ Consistent communication
✔️ Patience when the timing wasn’t quite right
✔️ A shared commitment to helping the buyer succeed

The buyer, their agent, and I stayed connected, adjusted when needed, and kept the momentum going—even when things got quiet. And now here we are—with a happy buyer at the closing table.

If you’re focused on helping your buyers win—no matter how long it takes—let’s grab a coffee and talk about ways we can work together to close more deals.

📩 Send me a message to schedule a time.

Address

11790 N Dale Mabry Highway
Tampa, FL
33618

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5pm
Saturday 10am - 6pm
Sunday 11am - 6pm

Telephone

+18132151592

Website

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Home Loans with a Little TLC

I’m Tom Menendez, NMLS: 810860 , Loan Officer with Total Lending Concepts,

WHAT SETS US APART?

Simply put, we won’t be outworked. Our experienced TLC team will stop at nothing to make sure you have the information and resources you need to get into your first home, your next home, or your dream home.

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