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Tom Smith (Falcon Financial) Mortgage and Lending



Tom Smith
location_on Grass Valley, CA — Falcon Financial
Get to Know Tom Smith

I'm a Loan Consultant with over 21 years experience in the real estate industry, and 13 years experience in the mortgage lending business.  I provide excellent support to my clients and realtors, and have experience with several programs including:

* Residential & Commercial financing
* Conventional loans
* Jumbo conforming & non-conforming loans
* Land & Farm
* FHA/VA loans
* Cal Vet loans
* Reverse mortgages
* Construction financing
* 203K (rehab) loans
* 1st time homebuyers
* Special programs for Teachers, Police, Firefighters and EMTs

If you or someone you know could use my help, please feel free to call me at 530-277-5020.


Some companies are all about closing as many loans as possible without regard to the needs of the client. I became a loan officer to educate my clients on their options and help them find the BEST solution for their financial needs.

It's always a good feeling to help people find a loan that will enable them to reach their housing goals, whether that means buying a home, lowering their current rate or payment, using their equity to finance other goals.  One of my favorite scenarios is helping someone buy their first home - sharing in their excitement while doing my part to make the transaction as stress-free for them as possible.

Most of my business is from referrals and repeat clients. I feel like this is a testament to the caring and helpful manner in which I assist my clients. My goal is to continue to provide the personal & professional service that my clients expect and deserve, and keep striving to find ways to improve upon that service.

* CA DRE license #01212591
* BA in Social Sciences & Psychology
* American Pacific Mortgage Top Producer
* Nevada County Board of Realtors Affiliate of the Year

Nevada County Association of Realtors
Nevada County Chamber of Commerce
Gold Country Estate Planning Council
Grass Valley Downtown Assoc. Design Review Committee

I enjoy community service activities such as helping the Grass Valley Downtown Assoc. with cleanup of the downtown area, painting of Habitat for Humanity homes, assisting S.Y.R.C.L. with river cleanup, helping out with various booths at the Fairgrounds and downtown events.  I also enjoy horseback riding, classic autos and rafting - I co-host an annual rafting trip for the local real estate professionals - call me for details!


Residential & Commercial financing. Conventional/FHA/VA/USDA/CalVet, Land/Farm, Construction, Reverse Mortgages, 1st-Time Homebuyer and other special programs...the list goes on!