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NMLS: #228618

Sally Thomas

Mortgage Advisor

During the 30+ years that I’ve been in the mortgage business, I have gained the knowledge and expertise to help put my customers at ease throughout the mortgage process. My diverse experience in the mortgage industry allows me to better assist my clients and ensure a smooth process from origination to closing.

My goal is to provide the best customer experience possible, and I welcome the opportunity to guide you through the home loan process and help you select the loan program that best suits your needs.

My core belief that the customer is the number one priority sets me apart from my competition, and my philosophy is to listen to each customer’s needs and respond to them efficiently and effectively. Communication is the key to building strong and lasting relationships with borrowers and business partners alike.

It would be my pleasure to help you with your home financing!

Licensed in:

AZ, IL, IN, MO and WI

Why work with me?

5.0/5 Rating

36 reviews

Real clients. Real results.

This was my first time buying a home, and I was super happy with my experience with Sally! Sally explained the whole process, answered questions along the way, responded to messages very quickly, and made the loan process feel as stress-free as possible.

Christine F

Wonderful to work with, goes in depth with any questions I had. Truly a pleasure!

Chloe V

We are so thankful to be able to work with Sally! She’s helped us purchase two homes so far. Easy going, knowledgeable, and incredibly efficient. I would recommend to anyone!

Caitlin H

Sally was amazing to work with.

yehia r

Sally was great! She answered any questions I had. Was patient and helped me through this processThank you for all your help!

Cody H

I'm extremely grateful to have been helped by Sally during my mortgage loan process. Incredibly helpful, knowledgeable, and quick. Sally made the process seem and feel effortless even though I know there's a tremendous amount of work that goes into everything. She's the absolute best.

Jennifer P

Sally Thomas was amazing with helping us refinance our mortgage. She was extremely helpful in answering all our questions promptly and she made us feel at ease during the entire process!

Cgrape 1

Sally Thomas was amazing with helping us refinance our mortgage. She was extremely helpful in answering all our questions promptly and she made us feel at ease during the entire process!

Christina G

Sally was absolutely amazing!!

Christine R

Sally was great but some of your process is terrible. Demeaning and some things I feel were unnecessary for the average borrower.

Mary S

Sally was super patient and answered ALL of my questions no matter how many I asked!

Renee W

Sally made my refinance very easy. She constantly kept me up to date on the status and let me know what stage I was at. I would use her again for any of my future mortgage needs.

Heidy K

Sally is an absolute gem! Efficient, uber knowledgeable, and truly cares about each one of her clients. I will refer her to anyone I can, and continue to utilize her for many years to come! Thank-you, Sally, for de-stressing me during the home buying process, and taking such good care of something that truly mattered so much to myself and my children!

Jennifer N

Sally made our entire home buying process as easy as possible. She genuinely cared about us and answered every single question we could think of. I would recommend her to anyone looking to purchase a home! Wish I could give 6 stars.

Joey B

Loan Programs

1% Home Loan Program

Featured

Conventional Loans

Featured

Down Payment Assistance (DPA)

Featured

Home Renovation
HELOC Loans
Jumbo Loans
Low Down Payment Loans
Temporary Buydowns
VA Loans
Construction Financing
FHA Loans
Bridge Loans
Community Lending
Condominium Loans
First Responders – Nurses – Teacher Loans
Manufactured Home Loans
Reverse Mortgages
USDA Loans
Bank Statement Loans
Click n’ Close SmartBuy National DPA
DSCR Loans (Investment Loans)

Featured

Expanded Credit Loans
Expanded Income Loans
Loans for Foreign Nationals
Medical Professional Loans
Pathway DPA Program
Secure Lock Program
Seller PreLock Program

Refinance With Purpose

Every refinance starts with a goal. Whether you want to lower your payment, shorten your term, or access equity, we’ll build a strategy around
what matters most to you.

Consolidate Debt

Simplify what you owe. Use your home’s equity to combine high-interest debt into one  payment.

Lower Payments

Improve monthly cash flow. Even a small rate adjustment can create  savings over time.

Get Cash Out

Access equity with intention. Turn your home’s value into funds for renovations, education, retirement, or financial goals.

Change to Fixed Rate

Stabilize your payment. Move from a variable rate to predictable payments built for long-term planning.

Refinance VA Loan

Use a VA refinance program to improve your terms, access cash, or reduce your monthly payment.

Discover your home’s value instantly.

Get a personalized home value report powered by real market data. Track equity, explore trends, and stay informed about your property.

We'll watch the market for you

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

Mortgage Calculator

Estimate your monthly payment in seconds.

$400,000

$50k $2M+

Customize taxes, insurance & HOA

Not required (Down payment ≥ 20%)
Estimated Monthly Payment

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Principal & Interest Mortgge Loan
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Property Tax Estimated
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Home Insurance Estimated
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HOA & PMI Fees
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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes.

Frequently asked
questions

With short and easy to understand answers.

Couldn’t find your answer?

[email protected]

Couldn’t find your answer?

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Ready to take the
next step?

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

  • Competitive rates
  • Expert support
  • Easy process