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Tom Special

Sr. Loan Officer NMLS #2610596

Direct: 949-884-4045

Cell: 949-884-4045



Profile

When it comes to your mortgage, you deserve more than someone who simply takes your application and passes it along. You deserve an experienced professional who understands the entire process and is personally invested in helping you reach your goals.  With 25 years of experience in mortgage lending as both a Loan Officer and an Underwriter, I bring a unique perspective to every loan I handle.  I know how to structure financing around your needs, and I also understand how an underwriter will evaluate your loan, allowing me to anticipate potential challenges, find solutions, and help keep your loan moving toward a smooth and successful closing.

 

Whether you’re purchasing your first home, moving into your next home, refinancing, or looking for a debt-consolidation loan; I’ll take the time to understand your situation and help you explore the financing options that make the most sense for you.  Mortgage programs and market conditions can change frequently, which is why having an experienced mortgage professional you can trust is so important.  My goal is to make your mortgage experience as straightforward, transparent, and stress-free as possible, while providing the personalized guidance and attention you deserve.

 

Getting started is easy. You can call me directly or complete the short-form application in just four simple steps. Once your application is submitted, I’ll personally reach out to discuss your goals, review your options, and answer any questions you may have.  I look forward to helping make your mortgage experience a positive one.