All lenders are not created equal.  You need the knowledge and understanding that an experienced lender can give you.  Tom has 25 years of mortgage lending experience and pride's himself on educating his customers on the financial options that they have available .  While getting a competitive interest rate can save you money over time, you can actually save more money by properly structuring your loan.  The appropriate loan product for your needs, as well as the size of the down payment, private mortgage insurance, points, and fees paid all have a greater effect in saving you money than just the interest rate.  By properly structuring your loan, an experienced lender can save you tens of thousands of dollars, which can be used in other aspects of your financial portfolio. 

So before you go rate shopping, make sure you find a true professional that understands how each aspect of the mortgage financing can save you money.  Find out the difference of being educated through your loan process and how Tom can help you put money away for retirement, college savings, or that family cottage you've had your eye on. 

Tom has helped nearly 3000 families finance their homes, but has also provided greater stability to their financial portfolios.  Call Tom and find out how you can save more money than you dreamed of.  ...by the way he has super low interest rates as well.