Tom Stevens

I'm a veteran of the mortgage industry and have seen its ups and downs. One thing that has proven to be true in all types of markets is that homebuyers and homeowners need the highest level of customer service possible during and after the transaction.

Everyone has a unique financial situation. My goal is to provide the right financing for you while making the process stress-free.

I'm a loan officer with Flagstar Bank - a direct lender that is currently the 12th largest residential mortgage lender in the United States. Flagstar ranks 7th in the nation for the number of FHA loans it originates. Check JD Powers, Mortgage Technology Magazine and FreddieMac for their rankings of Flagstar. We hope to earn your endorsement, too!

Tom

Contributions to Lender411

Blogs Bad Credit: ADDING A MORTGAGE USUALLY WILL NOT IMPROVE POOR CREDIT May 11th 2011 Loan Programs: Condotels in UT, CO, HI and USVi May 9th 2011 VA Loans: VA loans with 600 credit scores Apr 19th 2011 Home Purchase: Buying Your Home Apr 19th 2011 Foreclosure: REOs with 3.5% down payment assistance, no PMI, no appraisal Apr 13th 2011 more... Answered Questions Lender411.com: Score 623, Husband 720, curious about Loan? Aug 9th 2011 Lender411.com: When you're already locked in on a rate & the rate drops,… Aug 11th 2011 Lender411.com: Is it possible to use FHA on a foreclosed property? Aug 2nd 2011 Lender411.com: Debt To Income Ratio Calculation Investment Property Aug 9th 2011 Lender411.com: ARE THERE STILL LENDERS THAT USE ALTERNATIVE CREDIT FOR P… Aug 9th 2011 more... Contacted consumers with following loan scenarios Alaska, Home Purchase, Good Credit, Amount: $192,500, LTV 99% 27 days ago Alaska, Home Refinance, Excellent Credit, Amount: $430,000, LTV 96% Mar 20th 2012 South Dakota, Home Purchase, Good Credit, Amount: $132,500, LTV 98% Feb 11th 2012 Alabama, Home Refinance, Excellent Credit, Amount: $140,000, LTV 52% Jan 14th 2012 Louisiana, Home Purchase, Good Credit, Amount: $122,500, LTV 98% Dec 12th 2011