Tom Sullivan SVP Mortgage Banking Executive NMLS 134713, First Commonwealth

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Tom Sullivan SVP Mortgage Banking Executive NMLS 134713, First Commonwealth

The opinions expressed on this page do not necessarily reflect the view of First Commonwealth Bank or First Commonwealth Mortgage. Offers subject to change.

www.fcbanking.com/mortgage

09/10/2026

Really excited to be together with our New Dayton Mortgage Team at First Commonwealth Bank Mortgage. We are excited about the Austin Landing location, and will be opening the office soon! More addtional growth to come! Thanks for the incredible production and effort Todd Nerlinger Haley Swarts Noelle Bradford and Maria Fleck! You have truly put up excellent production numbers and have represented our brand so well! The future is bright in this market, thanks to your talent and effort!

09/09/2026

If you're looking for a home outside the city, there's one loan option I always want buyers to know to ask about.

Because a lot of people hear "USDA" and assume we're talking about farms or homes way out in the country – but that's not necessarily the case.

Eligible properties can be located in many rural and suburban areas, and for qualified buyers, USDA financing may offer benefits like 100% financing with no down payment required.

The catch? Both the property and the borrower have to meet USDA eligibility requirements.

So if you've found a home you love or if you're starting to look in an area a little farther outside the city, send me the address.

I’d be happy to help you check whether USDA financing could be an option and if it makes sense for you.

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

09/08/2026

If you asked me whether a home equity loan or HELOC is "better," my first question would probably be:

What are you planning to use the money for?

If you know you're replacing the roof and have a pretty good idea what it'll cost, receiving one lump sum with a fixed rate and predictable payment might make sense.

But if you're renovating room by room, have expenses coming at different times, or simply want access to funds without borrowing everything upfront, the flexibility of a HELOC may be worth considering.

Neither is automatically better.

They're just designed to work differently, which means the right fit depends on what you're trying to accomplish, how much you need, and how you want to manage repayment.

If you've built equity in your home and you're wondering what you could do with it, that's a conversation I'm always happy to have.
We can look at what you're planning and figure out which option makes the most sense for you.

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

08/20/2026

Every summer I talk to people who are one conversation away from being ready to buy.

They've been watching the market. Saving. Thinking about it. But something keeps making them push the timeline back — rates, inventory, timing, life.

And sometimes that makes total sense. But sometimes they just haven't had someone sit down with them and actually walk through the numbers. Once that happens, the picture gets a lot clearer.

If this summer has had you thinking about buying, downsizing, or making a move before the end of the year, I'd genuinely love to have that conversation with you.

Comment SUMMER below and I'll reach out. No pitch, just clarity.

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

08/19/2026

Nobody hands you a manual when you decide to buy a home. Most buyers I talk to just start searching online at 11pm and hoping for the best.

Here are three things I wish more customers knew going in, because I've watched people get caught off guard by all three.

Your down payment and your closing costs are two different pots of money. I've had customers save for months for a down payment, but still be surprised by what's due at the table.

Your rate doesn't lock the second you apply. That's a conversation we have together, at the right moment for your situation.

And the loan part usually isn't the slow part. It's the searching and the waiting on the right house that takes the time. Once you're under contract, things often move quickly.

Every buyer's numbers look different depending on their income, their timeline, and what they've already saved. A generic calculator online can't tell you that. I can.

Comment READY and tell me where you're at. I'd be happy to do a quick consultation to help you assess your specific situation so you can stop guessing and start taking steps forward.

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

08/18/2026

Most buyers assume choosing a mortgage is as simple as finding the lowest interest rate.

It isn't.

A lower rate might come with higher upfront costs. A higher monthly payment might make sense if you're planning to move in a few years. And sometimes paying points can save you money – but only if they make sense for your goals and how long you plan to stay in the home.

That's why I spend so much time running different loan scenarios before I ever make a recommendation.

My job isn't just to help you get approved.

It's to help you choose a mortgage you'll still feel good about years from now.

Because the "best" loan isn't the same for everyone. It depends on your budget, your timeline, how long you plan to stay in the home, and what matters most to you financially.

If you're comparing mortgage options and wondering which one actually makes the most sense for your situation, let's run the numbers together. I'd be happy to walk you through your options so you can make a decision with confidence.

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

08/17/2026

The homebuying process doesn’t start when you begin touring houses. It starts with understanding where you stand financially and creating a plan that fits your goals.

That might mean getting pre-approved now, or exploring loan options you didn't know existed.

Or it might simply mean identifying a few things to work on over the next few months so you're in a stronger position when you're ready.

The sooner you have that clarity, the more confident you'll feel when the right home comes along.

If buying before the end of the year is on your mind, comment PLAN below or visit my website. I'd be happy to help you figure out what your next step looks like.

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

08/14/2026

If you are the type who checks your credit score before buying a house every few days hoping for a jump, I get it. That habit comes from wanting to feel in control of something that feels uncertain.

But watching a number does not move it. Understanding what is behind it does.

What actually helps your credit score and your mortgage rate is knowing what is working in your favor and what is quietly holding you back, then having a plan for it before you apply. That takes a real conversation, not a daily app check.

Let this be your permission to close the app and talk to someone instead.

Comment SCORE and tell me where you're at. I'd be happy to do a quick consultation to help you assess your specific situation so you can stop guessing and start taking steps forward.

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

08/13/2026

Every customer I work with is trusting me with something big. Their savings, their timeline, their plans for their family.

That's not something I take lightly, no matter how many times I've walked through this process.

So if you've ever felt like a number to a lender, that's not how I want you to feel here. I want you to feel like someone's actually paying attention to your situation.

Comment READY and tell me where you're at. I'd be happy to do a quick consultation to help you assess your specific situation so you can stop guessing and start taking steps forward.

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

08/12/2026

A lot of customers tell me the same fear before we even start working together.

They're worried something will get missed, like a specialized loan program they didn't know existed, or a question they didn't even know they needed to ask.

You're not supposed to already know all of this. That's the whole reason to work with a professional like me.

I check in throughout your process, not just at the beginning and the end.

If your situation shifts – a new job, a changed timeline, a program you might now qualify for – I want to catch that early and bring it to you, not wait for you to ask.

You shouldn't have to know the right questions. It’s my job to ask them for you.

Comment SETUP if you want to schedule a quick check-in to help you assess your specific situation so you can stop guessing and start taking steps forward.

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

Address

1001 Village Run Road
Wexford, PA
15090

Website

http://www.fcbanking.com/tsullivan

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