Your   homeownership journey starts here

The mortgage process simplified.
Fast approvals, local experts, trusted results.

NMLS: #348018

Tom Harless

Producing Branch Manager

I have been serving my clients with exceptional care for over 24 years! I pride myself on getting the job done right the first time. I believe that communication is the key to a smooth transaction. I always treat my clients fairly and with the utmost respect. This is why I will be “Your Mortgage Guy” for life!

Licensed in:

FL, OH and TX

Why work with me?

5.0/5 Rating

11 reviews

Real clients. Real results.

Tom was easy and extremely professional to work with. He gave guidance and support throughout the whole process. Highly recommend giving him a call.

shannon w

Thank You Tom for all the helps you provided for the refinancing process. You chime in and explained in detail whenever I was confused on the process, and that really helped me to go to the next steps. Looking forward to work with you on next opportunities Tom. Thanks! Renju.

Renju D

Tom was very helpful and very informative on the whole process.He worked quickly to close my loan and has a great staff who helped out.

James Y

10/10 recommend

Arman R

Tom was extremely helpful and professional throughout the process!

Jim H

Mr. Harless made my family's home buying experience very easy and quick. the entire experience was outstanding. He was always available to answer our questions and help when ever there was a question from the realtor or my wife. I truly felt like I was part of his family and was his only client. I would recommend him for anyone needing any kind of mortgage assistance.

jay l

Tom was great throughout the whole process. Making every step easy and clean. We will work with him again in the future!

Morgan H

They have amazing service! I highly recommend! Tom's communication was great, answered all our questions and the process was fast!

Jean F

I recently completed a real estate investment purchase with the assistance of Tom Harless. Throughout a complex and time-sensitive process, Tom demonstrated professionalism, persistence, and a strong commitment to getting the loan successfully closed. Even when challenges arose, he remained engaged, responsive, and worked diligently to resolve every issue. In the end, he delivered exactly what was needed and ensured we closed on schedule. I appreciate his follow-through and look forward to working with him again on future projects.” — Max Emadi Owner, Max HomePro LLC 

Max E

Tom was a pleasure to work with and made the process smooth. I appreciated his time and effort and the quick responses without being overwhelming with communication as I have had that happen with mortgage lenders in the past. Tom was great - and got us a GREAT rate.

Sydney R

The process was easy from start to finish, and Tom answered all of our questions. Thank you! 

Amanda C

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

$0

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.

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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