Tom specializes in conventional purchase and refinance, second home purchase and refinance, construction loans, vacation property, and land loans. He understands that everyone’s situation is different and prides himself in treating others how he would like to be treated. During his time in the mortgage business, Tom has learned about all facets of the loan process and knows what to expect. Rest assured consistent communication and education during the entire process is of the utmost importance to him. With almost two decades of experience in mortgage lending, you can be confident Tom will make the process as easy as possible and find solutions to fit your needs.
At Northview Bank, our loans are underwritten, approved and serviced by Northview Bank. We have options for financing a primary or second home with flexible down payments and several fixed-rate options. Some manufactured homes also qualify for our conventional financing.
If you don’t have an established credit history, or if you have had credit challenges in the past, an FHA loan could make it possible for you to get into the house you want. FHA loans do not require large down payments and have flexible qualification guidelines on fixed-rate mortgages.
Active or retired military veterans or their surviving spouses may qualify for a VA loan with little or no down payment and flexible qualification guidelines. VA loans do not require mortgage insurance.
Buying a lot for future construction or beginning a new construction project can be financed quickly and efficiently. Northview Bank’s convenient construction-to-permanent loans make the process of building as headache-free as possible for our customers.
A USDA loan can put families into a home in rural areas. An applicant who qualifies for a USDA loan may build, rehabilitate, improve or relocate a home in an eligible rural area.
Northview Bank and Vacation Property Loans are giving borrowers a lending solution that works with their lives. With good credit, buyers can qualify for vacation property financing that will make purchasing a cabin, cottage, bare land, and lake home possible. Some of our cabin financing options require as little as 10% down.
For hunting or general recreation. For weekends away or a change of pace. For a place of escape or a place to retire. Northview Bank has a lending solution that can make your dreams a reality for buying land. We have been the leader in bare land loans for decades, offering competitive rates and low down-payment programs.
