Tom Sullivan SVP Mortgage Banking Executive NMLS 134713, First Commonwealth

06/13/2026

Buying a home with someone else can be exciting, but it also comes with a lot of questions.

Do lenders look at the lower credit score, or a combination of both? What if one person has more debt than the other? If your finances are separate, how do you calculate which monthly bills affect what you qualify for?

When you apply together, lenders look at the full financial picture — including both incomes, both credit profiles, and both debt obligations.

And sometimes that helps your buying power significantly.

Other times, there may be an alternate strategy for structuring your loan in a way that makes more sense for your specific situation.
That’s why I always encourage couples to have a conversation with a loan officer before they start looking at homes.

Not because you need all the answers today – but because understanding your options early can help you make smarter decisions later.

If you’re thinking about buying with a spouse, fiancé, partner, or family member and want someone to show you what your numbers could look like together, comment TOGETHER or visit my website and I’ll help you walk through it.

Equal Housing Lender NMLS #479240
https://myoc.io/Sullivan

06/12/2026

Every year, summer has a way of changing how people see their homes.

You spend more time outside, hosting, working from home, or trying to fit everyone into spaces that suddenly feel a little tighter than they used to.

And that's usually when I start hearing things like:

"We've been talking about moving for a while..."
"We didn't think we'd outgrow this house this fast."
"We love our home, but it's starting to feel a little cramped."

If you catch yourself starting to have those conversations, now is the perfect time to ask me what your options look like.

Because whether you're thinking about a bigger home, leveraging home equity to add life-changing upgrades, or simply curious about adjusting your payments to fit your current lifestyle, it helps to know what's realistic before you need to make a decision.

If you’re starting to feel like you’re ready for a change this summer, comment SPACE or visit my website for help exploring what could come next.

Equal Housing Lender NMLS #479240
https://myoc.io/Sullivan

06/11/2026

June is Homeownership Month – and honestly, there are a lot of people who’ve quietly convinced themselves that homeownership isn’t realistic…without even taking a look at the actual numbers.

Maybe it’s because of rates, down payment worries, or the news making it sound like buying a home is completely overwhelming and out of reach.

But what I wish more people knew is that I’m always happy to sit down with them and explain:

• What’s actually realistic with their income and credit
• What loan programs or assistance options may be available
• What’s holding them back (and what’s not)
• Or what small steps could help close the gap faster

It’s not a waste of time, and it’s not an expectation that you’ll buy now – or even work with me.

I just want to help more people understand what it takes to buy, and help them get there faster.

That’s why for National Homeownership Month, I’m offering free homebuying consultations all month long for anyone who is interested in learning more about the options available to help you get started.

If homeownership has felt like a goal that’s out of reach, comment or message me HOME to book your free consultation so we can talk through it together.

Equal Housing Lender NMLS #479240
https://myoc.io/Sullivan

06/10/2026

A surprising number of buyers save for vacations more intentionally than they save for homeownership.

And before anyone comes for me...I'm not saying don't take the vacation. 😅

Life is meant to be lived. Make the memories. Take the trip.

But I do think it's worth asking yourself one question:
Am I putting the same amount of planning into my long-term goals as I am into my next vacation?

Because it's interesting how many people can tell you exactly where they want to go this summer...but couldn't tell you what it would take to buy a home, move into a bigger one, or achieve another major financial goal in the next few years.

We tend to plan for the things that feel immediate and exciting, while putting off the goals that feel bigger or more complicated.
You don't have to choose between enjoying life today and preparing for what's next.

Sometimes the biggest difference is simply understanding what your options are and having a plan.

If buying a home is one of your goals—even if it's a year or two away—I'd be happy to help you understand what that path could look like and what steps would make the biggest impact along the way.

Comment PLAN or visit my website to start the conversation.

Equal Housing Lender NMLS #479240
https://myoc.io/Sullivan

06/09/2026

This is one of the questions I get asked most often, and it usually comes from people who've already talked themselves out of asking.
What lenders look at is how your total monthly obligations compare to your income.

Education payments are factored in the same way any other monthly commitment would be, which means in a lot of cases, student loans aren’t a dealbreaker. It's just part of the equation.

Here’s what actually determines where you stand:
✔️ How your income compares to your total monthly payments
✔️ How long you've been in your current job
✔️ What kind of loan program fits your situation
✔️ Whether there are ways to structure your loan to give you more room to work with

I've helped a lot of people in this exact situation figure out what's actually possible, and the answer ranges from "here's what to focus on over the next few months" to "yes, you're ready now".

Either way, you deserve a real answer, instead of an assumption.

Comment STUDENT or visit the link in my profile to set up a free consultation so we can see where you stand.

Equal Housing Lender NMLS #479240
https://myoc.io/Sullivan

06/08/2026

The people I work with who have the easiest path to homeownership – and honestly, to most of their financial goals – aren't the ones who earned the most in their 20s.

They're the ones who built good habits early and let time do the rest.

As a loan officer, here are a few things I see new grads overlook early on:

Paying on time consistently matters more than the amount. Even small accounts, paid reliably, tell a much stronger story to a lender over time.

Keeping your monthly obligations manageable now gives you more flexibility later. Every payment you take on today is something a lender will factor in when the time comes.

And getting a general picture of where you stand financially before you feel "ready" is almost always worth it. It's not a commitment to do anything. It's just clarity.

None of this advice is glamorous – but over time, these habits create something really important: flexibility.

The people who actually follow it are the ones who end up with the most options.

If you're a recent graduate – or the parent of one – I'd be happy to have a conversation about building a strong financial foundation for the future.

Because one of the most valuable things you can learn isn't how to buy a home – it's how to prepare for opportunities before you need them.

If you want help understanding what your financial picture looks like right now and how to build financial habits that set you up for future success, comment HABITS and let's have a conversation.

Equal Housing Lender NMLS #479240
https://myoc.io/Sullivan

06/06/2026

There's a real difference between people who say "I want to buy this year" in January and the ones who actually close by December.

It usually comes down to three things.

1️⃣ They stopped waiting for conditions to feel perfect, and took steps to find out what their actual options were.

2️⃣ They made a few strategic moves to strengthen their position, like reducing monthly payments or moving savings into the right account.

3️⃣ They worked with me to build a real plan so buying a home felt actionable, instead of overwhelming.

Six months is enough time to do something real with, if you start now. There's a meaningful difference between wanting to buy and actually mapping out what each month between now and closing needs to look like.

Comment MIDYEAR and I'll help you build a plan that actually fits your timeline.

Equal Housing Lender NMLS #479240
https://myoc.io/Sullivan

06/06/2026

We are thrilled to have these incredible Mortgage Professionals join the First Commonwealth Bank Mortgage Team! They will expand our regional coverage into the Dayton Market! Looking forward to continued growth within this market with these elite professionals leading the charge!

We are excited to welcome new additions to our First Commonwealth Mortgage team in Ohio. Todd will serve as the Vice President/Mortgage Area Sales Manager and Haley will be a Senior Mortgage Loan Originator. https://www.fcbanking.com/why-us/press-releases/first-commonwealth-announces-appointment-of-two-mortgage-loan-originators-to-cincinnati-region/

06/05/2026

Most people overestimate what they can accomplish in a month, and underestimate what they can accomplish in a year.
That's especially true when it comes to preparing for homeownership.

Higher credit scores aren't built overnight. And strong financial habits aren't something people suddenly start the month before they buy a home.

They're built with intention – when each payment is made on time, savings are built up each month, and smart financial decisions are repeated consistently until they become habits.

It might not feel exciting, but those small choices add up faster than you’d expect.

So if homeownership is one of your goals, don't focus on doing everything perfectly – instead, do your best to make steady progress.
A year from now, you'll be glad you started today.

What's one financial habit you've started in the past few years that has had the biggest impact on your life? I’d love to hear your best tips in the comments.

Equal Housing Lender NMLS #479240
https://myoc.io/Sullivan

06/04/2026

A lot of couples plan for the wedding, but not the conversations that come before buying a home together.

Timing matters more than most people expect. The sequence of a wedding, a lease ending, and a closing date can create a lot of pressure if it isn't planned out ahead of time.

One of the most common things I hear from engaged couples is:
"We want to do both...we just don't know what makes the most sense."

That's why having the conversation early helps, so you have answers to questions like:

• What can we actually afford together?
• Should we buy before or after the wedding?
• How much do we need to save for the down payment, vs what we can use for the wedding?
• What programs do we qualify for that make buying more affordable?

If you and your partner have been talking about buying a home someday, now is a great time to see what that path could actually look like.

Comment TOGETHER or visit my website and I'll help you explore your options.

Equal Housing Lender NMLS #479240
https://myoc.io/Sullivan