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Tom Kerr at Guaranteed Rate NMLS 266890

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Wauwatosa, WI
Tom Kerr at Guaranteed Rate NMLS 266890

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VP of Mortgage Lending NMLS 266890 at Guaranteed Rate NMLS 2611, for licensing: www.nmlsconsumeracces

10/28/2026

Before you start house hunting, make sure you know more than just your potential mortgage payment.

Understanding what you can comfortably afford each month, how much cash you’ll need at closing, and the full cost of homeownership can help you make a more informed decision. Property taxes, insurance, HOA fees, and maintenance all deserve a place in your budget.

Ready to understand your numbers and explore your options? Visit Rate.com/TomKerr to take the next step toward homeownership.

10/20/2026

Closing on a new home does not have to be a stressful waiting game. Our client TJ recently reached clear to close in just 14 days. The home buying market moves quickly, and having a proactive team makes all the difference in keeping your experience smooth and manageable. 🏡 If you are ready to purchase a home or want to explore your financing options, send me a message today. Let us make your next move simple and stress free.

https://myoc.io/Asfsa

NMLS # 266890

10/05/2026

Real estate agents shouldn’t have to chase their loan officer for answers. If you’re constantly asking, “Where are we on this loan?” “What’s holding things up?” or “Are we still on track to close?”—it may be time to rethink your lending partner.

The right loan officer should be proactive, communicative, and focused on finding solutions before problems become surprises.

That’s the kind of partnership I believe in: honest guidance, personalized solutions, and a mortgage experience built around each client’s unique goals.

Because when you have the right expert in your corner, you could spend less time worrying about the loan and more time serving your clients. 📲 Let’s connect and see what a better lending partnership could look like.

10/02/2026

A lower interest rate does not always save you money if you have to bid tens of thousands over asking price.

Today's housing market is quietly giving buyers something they have not seen in years, which is room to negotiate. Instead of waving inspections and rushing the biggest financial decision of your life, you now have choices. Price cuts are increasing, sellers are open to concessions, and balanced conditions are returning. Looking at the total financial picture matters far more than just focusing on headline rates.

If you want to see what is realistic for your budget and how to take advantage of today market, send me a direct message or visit Rate.com/TomKerr. Let us run the real numbers together so you can make a confident move. 🏡

09/30/2026

Getting pre-approved is an important first step but your pre-approval amount shouldn’t automatically become your home-buying budget.

You don’t have to spend the full amount you’re approved for. I always encourage buyers to think about what monthly payment feels comfortable and leave room for the costs that come with owning a home.

Taxes, insurance, HOA fees, repairs, and everyday expenses all matter. The goal isn’t to buy the most house you could qualify for. It’s to buy a home that fits comfortably into your life.

Contact me if you’re ready to build a home-buying plan that makes sense for you. - Rate.com/TomKerr

09/28/2026

There’s nothing better than knowing our clients felt supported and confident throughout their homebuying journey.

Thank you, Elizabeth, for trusting me and my team to be part of such an important milestone! We’re grateful for your kind words and recommendation, and we’re always here to make the mortgage process as clear, organized, and stress-free as possible.

Thinking about buying a home? Let’s talk about your goals and how I can help you get started.📲 Visit the Rate.com/TomKerr to connect with me.

09/25/2026

Being “almost qualified” doesn’t necessarily mean the conversation is over. Sometimes, the next step is looking a little deeper, at your debt, credit, reserves, income documentation, or even whether a different loan structure could make more sense.

My job isn’t just to tell you where you stand today. It’s to help you understand what’s possible and, when there’s a path forward, build a plan to get there.

If homeownership is your goal, let’s talk through your options. Contact me to get started. - Rate.com/TomKerr

09/22/2026

Condo lending is changing and staying ahead of the latest guidelines can make a difference for your 2026+ closings. 📲Email me at [email protected] for more info and to RSVP.

Join me for a live webinar where we’ll cover what’s changing with conventional condo guidelines, how those changes can impact approvals and budgets, and what you need to know moving forward.

📅 September 24 | 11:00 AM CT 🎙️ Hosted by Tom Kerr featuring Amy Ramon, Divisional Underwriting Manager

09/11/2026

Asking how much house you can afford is actually the wrong place to start your home buying journey.

Instead, ask yourself what monthly payment lets you live comfortably while still enjoying your life. Just because you qualify for a higher amount does not mean you should max out your budget.

Once we identify your ideal monthly number, we can explore different loan options and strategies to help you get there. Reach out and I can will help you work backward to find your target number. - Rate.com/TomKerr

09/10/2026

Fall could be one of the smartest times to buy a home .🍂 As the busy summer market winds down, buyers may find less competition, more motivated sellers, and more room to negotiate.

That can create an opportunity to focus on finding the right home—and the right financing strategy—without as much pressure.
If buying a home is on your radar, don’t wait until spring to start planning. Getting prepared now can put you in a stronger position when the right property comes along.

Ready to see what your options look like? 🏡 Visit Rate.com/Tomkerr to get started.

Address

1417 N Wauwatosa Avenue , #201 Office #1
Wauwatosa, WI
53213

Opening Hours

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

Telephone

+12624392221

Website

https://www.Rate.com/tomkerr?utm_source=facebook&utm_medium=organic&utm_campaign=yext&utm_content=15468&adtrk=%7Cseo%7Cf

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