Tom Cummings - NMLS ID 1725263 112th Ave, Bellevue

Working with Tom to refinance my home mortgage was a very positive experience. From the moment I contacted him and told him my goals, hie provided advice that was designed to get me the best result based on my needs/desires. He explained all of my options clearly, It was clear he had my satisfaction in mind and was not "selling" me anything. Initially, he advised to me wait a few months after contacting him as he thought the rates might be better then and he was right. When we decided to pull the trigger on the refinance, Tom and his team at Loan Depot were always available and the process was easy and painless. This excellent, selfless advice and customer service has earned my praise here today and allows me to wholeheartedly endorse Tom as the man to contact when considering a refinance.

My wife and I worked with Tom to secure a mortgage with our new home in 2019. Tom was not only highly responsive and available when we had questions, but he went the extra distance to highlight long-term financial opportunities to consider. Long after we'd closed on our mortgage, he contacted us when he noted interest rates were dropping and worked with us to refinance, which ended up saving us hundreds a month as well as thousands long-term on our mortgage. Tom is one of the most genuine people we've worked with in the financial industry. He is well-informed and truly looks out for the best interest of his clients. I have, and will continue to, recommend Tom to anyone.

When my husband and I decided to buy a house, we turned to Tom and his expertise to help us navigate through the mortgage process. Tom was extremely thorough in explaining the process to us, answering all of our questions, and in helping us to find the best options and rates that worked for us. My favorite part of the process was when he ran a spreadsheet to help us understand how much house we could buy and what the monthly mortgage payment would be to ensure that we would not overextend ourselves. With that knowledge, we were able to choose our new home with confidence. As a first time home owner, this information was invaluable. I highly recommend Tom for all of your mortgage needs.

We recently bought a terrific home in one of the hottest real estate markets in the nation - Seattle! We're first time home buyers, so after we found the house we wanted, it was really important to move quickly, get a lender that we trusted, and find an advisor to confidently get us through the process. Tom Cummings was absolutely the best. Very responsive, highly knowledgeable, and a consummate professional! With Tom's expert advice and keen market insights, he got us pre-qualified for more money than we actually needed, and when we finalized the loan, we timed it to get a near-historically low rate. It was an absolute pleasure to work with Tom, and recommend him for anyone looking to buy or re-finance their home.

Tom was referred to me by a co-worker and he truly is a blessing sent from above! From the very beginning, Tom was very amazing, quick, professional and very easy to get a hold of. With all the fear and anxiety of buying a home, he put my mind at ease with his knowledge about the market and thorough explanation. There was one hiccup that would have delayed my closing date, him and his team managed to fix the issue without adding any stress on my part :). I have absolutely no hesitation in highly recommending Tom and his team!

Tom was my mortgage broker on the purchase of my new home earlier this year and he couldn't have been more helpful or easier to work with. I had an unusual second source of income that I wanted to be counted to in my financing. Tom went the extra mile to ensure underwriters would understand that source of income and I would qualify for the mortgage. Tom started to transition to his new firm after my loan was approved but before it closed yet Tom ensured a smooth transition and continued to check-in until after closing to make sure that everything went smoothly. There was never a moment where I felt like he wasn't committed to get me into the place I expect to call home for years to come.

Tom and the entire Opes Advisors team were great! My wife and I have very busy schedules that he was always happy to work around and meet in person, or discuss on the phone. All options were explained thoroughly in a manner that could be understood if you are first time buyer, or if you are unfamiliar with the whole process in general. We always felt our goals and objectives were addressed clearly and made a priority throughout the process. Thank you to Tom and the entire team for making our dreams a reality!

Buying and selling a property is so scary... I was excited for my new house and encountered a lot of struggles along the way. However, Tom and his team stuck right there with me, never let me give up and we’re absolutely AMAZING. I will always recommend him to my friends and family and will definitely be working with him again with future purchases. Tom’s attentiveness and availability is unlike anyone else I have ever worked with. I am so thankful!

Tom and the folks at Loan Depot have been very supportive through the home buying experience. Tom communicates clearly and frequently. He also stays in touch to provide a personal touch with his clients. Top notch pro.

Tom is not only extremely knowledgable in his field, he provides a personal touch with all of his clients and completely made me feel that he had my interests above anything else. He's quick to respond to all correspondence and will slowly explain each step in detail when needed. I couldn't recommend Tom more.