- Name
- Tom O'Brien
- Company
- www.BestNHMortgages.com
- E-mail
- Contact Tom O'Brien (www.BestNHMortgages.com)
- Website
- http://www.BestNHMortgages.com
- Office Phone
- (603) 434-4747 x 239
- Cell Phone
- (603) 493-5193
- Alt. Phone
- (603) 216-0022
- Fax
- (603) 434-3868
- Description
- Tom prides himself in offering the highest level of personalized customer service and exceptional communication skills, to set the standard on which other lenders will be judged.
With skills unmat
About Us:
Tom prides himself in offering the highest level of personalized customer service and exceptional communication skills, to set the standard on which other lenders will be judged.
With skills unmatched in identifying with his client's highest needs; assisting them in selecting the optimum mortgage product, program, terms, and conditions.
Keeping open lines of Communications with all parties - not only clients, but real estate practitioners, attorneys, appraisers as well as his superior internal support staff which results in a smooth, efficient closings with no surprises, ever.
Tom works with the most educated and superior support staff in the industry, which provides valuable and important information to his clients, drawing from the vast knowledge base from colleagues here at Schaefer Mortgage, most of which have well in excess of 15 years of mortgage banking experience.
With Tom's past experience, owning his own mortgage company, he is uniquely qualified to focus his recourses of an extraordinary operations team to get the job done. The support team here at Schaefer Mortgage Corp. is so efficient that they've become known amongst real estate professionals as the "Rescue Lender". When the competition turns down a loan at the last minute, my team routinely closes the loan in one or two days.
Knowledge, experience, work ethic, team support, energy, and commitment: These are just a few of the reasons why Tom has been recognized nationally as a leader in the mortgage profession. With a Consistent and positive performance that instills confidence in his clients to refer family and friends.
My commitment is to build TRUST throughout the loan process and have better educated homeowners upon closing.
"I don't make promises......I make commitments"
Areas of Expertise
Fixed Rate Mortgages
The most common type of mortgage program where your monthly payments for interest and principal never change.
Adjustable Rate Mortgages (ARM)
These loans begin with an interest rate that is lower than a comparable fixed rate mortgage, but the rate changes at specified intervals.
FHA Loans
The Department of Housing and Development (HUD), is the federal department responsible for the major housing programs in the United States. One of these programs is the FHA (Federal Housing Administration) loan.
NHHFA Loans
New Hampshire Housing Finance Authority (NHHFA) is a non-profit public benefit corporation established by the state legislature. The Authority operates a broad range of programs designed to assist low and moderate income persons and families to obtain decent, safe and affordable housing.
USDA Rural Housing
USDA financing can be just the right mortgage choice if you don't earn a big income right now, or you haven't saved a lot of money yet. These accommodating loans were designed to offer the extra help you may need in fixed - rate programs that are just right for you, right now.
FHA 203k Rehab Loans
Renovation loans such as the FHA 203k program are used to make improvements to an existing property.
VA Loans
A Veterans Administration (VA) loan can be used to help American servicemen or women and/or their spouses secure financing for a mortgage purchase.
Home Equity Loan
Home Equity is your home's dollar value that you own outright. It is the difference between your home's appraised value and the balance of your mortgage loan.
Construction Loans
Many people prefer to custom-design their own home, perhaps because it's too difficult to find a home that meets all their needs or because they want a brand-new home. A construction loan is a loan that finances the building of that new home.
Reverse Mortgages
A Special type of loan made to older homeowners (typically 62 +) to enable them to convert the equity in their home to cash to finance other needs.
Balloon Mortgages
Short term mortgages that have some features of a fixed rate mortgage.
Interest Rate Buydowns
The buyer would pay points above current market points in order to pay a below market interest rate during the first two years of the loan. At the end of the two years they would then pay the old market rate for the remaining term.
Jumbo Loans
When you are ready to make a purchase, you are going to be faced with unique terms such as conforming and jumbo loans. So, what is a jumbo loan?
Exclusive......Buy Down Program:
Tom offers his clients post closing benefits called.......".THE BUY DOWN PROGRAM".........Here's how it works......
Tom will consistently monitor YOUR current interest rate and loan program ......FOR THE LIFE OF YOUR LOAN........If the current mortgage rates drop 1/4% less than YOUR current rate on a no closing cost program, Tom will refinance your mortgage.....WITH NO CLOSING COSTS AND NOTHING ADDED TO THE PRINCIPAL BALANCE............FOR THE LIFE OF YOUR LOAN.
We DO NOT Make money based on the interest earned or accumulated every month......We generate our revenue based on the number of loans that we close on a weekly or monthly bases. Tom will continuously monitor his client's loan rates and programs; this is a huge part of our customer retention and one of the many reasons why Tom maintains very high percentage of repeat and referral clients. This is all based on the" CUSTOMER FOR LIFE". Philosophy.
Multiple Lending Sources
- We have Access to multiple lenders... through out the United States that Local banks, credit unions and real estate companies, generally don't have...-- They rely on a couple of partner institutions for their mortgage business. As you've no doubt heard, lenders will compete for your business! Tom O'Brien and Schaefer Mortgage Corp. works with over 120 different loan programs and over 12 of the largest lending institutions to find better deals.
- A commitment to service... Banks generally offer mortgages to bank Customers as an ancillary service; it's not their primary focus. Often, you will be simply "passed off" to their partner after a single conversation. At Schaefer Mortgage Corp, We have a single, proven successful purpose: Mortgage Banking!
- Access to better rates. We are a direct lender...NOT A BROKER... Mortgage brokers claim to have access to many different loan sources and they do. However, the large national lenders that offer the best rates only offer them to mortgage bankers. For example, we sell many of our loans directly to Freddie Mac (the government-run home financing institution). Your local mortgage broker can't do that. It's the difference between paying wholesale and retail.
- More control over the entire lending process: As a mortgage banker, we will prepare your closing documents ourselves, locally here in Londonderry NH. And provide the funds for your closing with our own check. We are not at the mercy of a third party for these services. We approve 95% of our loans, without sending it out to a lender for review. Mortgage brokers rely on the end lender for these services, which means less control over the entire lending process.
Tom works with many experienced realtors though out New Hampshire, Mass and Maine.......Here are the top six reasons why Tom is......"The Loan Consultant of Choice" with his local realtor partners.
- Approves buyers quickly and accurately
- Keeping ALL parties (Realtors and clients) informed throughout the process providing the straight scoop up front....No surprises
- Always closing the loans ON TIME
- Provides assistance to his realtor partners with business development
- Easily accessible after hours/7 days a week
"I don't make promises......I make commitments"
Testimonials
"Thanks Tom, you are a class act in home loans."
Joe and Pam R. - Merrimack, NH
"This was my eighth house and I was really impressed with your service and your entire staff."
Phillip C. - Andover, NH
"Having bought and sold several homes - this was by far the most pleasant experience. You guys were great."
William and Sheila T. - Hollis, NH
"I can't thank you enough for making a big investment so easy and fun. Thanks for everything!"
Tim and Janice V. - Laconia, NH
"I got my pre-approval commitment, found and bought my house all in one day. Thank you!"
Kelly H. - Keene, NH
"Thank you for making our dream home a reality! We will be recommending you to all our friends."
Mark and Nancy S. - Amherst, NH
"Thanks so much for the time and energy you gave to help us find the financing option that best fit our situation. We will refer our friends and family to you with confidence."
Brad and Connie K. - Nashua, NH
"Your service was excellent!"
Joe S. - Merrimack, NH
"The courtesy and service that Tom gave me was exceptional. He was very informative and helpful; which a first time buyer needs in a mortgage officer."
Tim and Mary D. - Chelmsford, MA
"Tom, we wanted to thank you once again for guiding us along the way, answering our questions, following up with little details and just in general being especially helpful at every step of the loan process. Not to mention answering your cell phone on a Sunday afternoon.
Angela and Brad L. - Nashua, NH
"Thank you from the bottom of our hearts, for all you guys did for us and for just putting up with us! All your advice and help is greatly appreciated! Thanks for all the gifts. We will pass your name on to all we know."
John, Cindy, Caylee and Justin T. - Exeter, NH
"Well, I am a little over a week settled into my first new home and wanted to send my thanks to you all for your hard work and effort. I am so happy and excited about my purchase. My family is enjoying our much needed space improvement. I will definitely refer your business to others."
Samantha G. - Chelmsford, MA
"Thank you for the wonderful service you have provided! You actually made buying our first home a pleasurable experience! I will not hesitate to refer you to all my family and friends in the future. Again, thank you for all the superb help!"
Shannon C. - Nashua, NH
"My family and I thank you for your efficient and quality work towards us purchasing our new home. Thank you and God bless."
Naomi, Matt, Gill and Sam - Hampton, NH
"Thank you for all your help with refinancing our house."
Brenda and Al ex P. - Laconia, NH
"Thank you all very much for making the purchase of our new house go so smoothly. You all worked very hard for us and made us feel very comfortable at a very nervous time. Thanks again."
Paul and Kim G. - Milford, NH
"You couldn't improve - Tom and his entire staff were great!"
Yvonne and Kevin D. - Bow, NH
"Everything went very smooth and we felt very comfortable with Tom. He was very helpful and we appreciated all of the information and explanation we received. Thank you!"
Dawn C. Manchester, NH
"Keep doing the level of quality work you are currently providing!"
Nathan and Marlene P. - Concord, NH
"Tom walked us through the whole process. He has a world of experience and truly cares about his customer. We will recommend Tom to our friends and family anytime."
Kevin and Amy H. - Portsmouth, NH
"Being a 1st time home buyer, I had absolutely no problems with the financing process and all my questions were addressed promptly!"
Michael J. - Nashua, NH
"Thanks so much for the time and energy you gave to help us find the financing option that best suited our situation. The information you gave us was valuable to our home buying process. We will refer you to our friends and family with confidence."
Gina and Thomas F. - Lowell, MA
"Tom O'Brien's service was beyond our expectations! I see no need for improvement. Everything went according to plan and it was a very smooth process. It was a pleasure working with you and your staff."
Glen and Sharron W. - Bow, NH
"Tom O'Brien did an excellent job - We were very happy with him and would definitely use him again and recommend him to others! Thank you for making our "dream house" come true!!"
Jerry and Sandra Y. - Center Harbor, NH
"You're very accommodating and friendly. I wouldn't change a thing."
Michael and Beth P. - Deerfield, NH
"Everything was clearly explained and the process went as expected!"
Andy and Felicia T. - Hampstead, NH
"I enjoyed dealing with Tom and I don't believe that there is any way possible to improve Tom's performance. Tom made buying my house and a breeze no problems at all."
Larry and Sheila W. - Bedford, NH
"Thank you for all your help with refinancing our house."
Diane and George K. - Sandown, NH
"You and your support staff are awesome - You were patient with us and offered different options for lending. We will continue to give your name out to others with only good things to say! Thanks again"
Susan and Frank F. - Londonderry, NH
