Whether you’re a first-time home buyer, looking to trade up, deciding to downsize, wishing for a change of scenery, or looking to restructure your current mortgage, Thomas can help you before you ever make an offer on a property and present the math to help with your decision process. Thomas can sit down with you and look over your budget, income and savings, helping you get a clear picture of what type and amount of loan is realistic. There are many factors to consider when getting a home loan; interest rates are only one element of the complete package. As your personal mortgage loan adviser, Thomas will help you consider all your options so you can concentrate on making the best decision for your needs. The financial aspects of home buying can be stressful and overwhelming—but they do not have to be, not with a trained and caring professional mortgage adviser like Thomas in your corner.