Tom Smith VP Mortgage NMLS 251122 Galaxie Ave S, Apple Valley

Our family is so thankful for the work that Tom and his team did for us in helping us purchase our last home. They were consistently clear with what they needed from us, always available and happy to answer any questions, and genuinely seemed to care about our family. When our purchase ran into some unexpected snags, the team joyfully worked extra hard and creatively to help us get over every hurdle with excellence and integrity. We would give the highest recommendation to Tom and his team.

Tom is a one-of-a-kind mortgage specialist. When you work with Tom, you are not just another client, but rather he partners with you in achieving success in reaching your mortgage goals. Tom takes each client’s needs personally and I have been very pleased each time we have worked together. I highly recommend Tom should you need an expert with years of experience and a track record of success in the mortgage field!

Tom was phenomenal throughout the entire process of buying our first home. He and his team are always available, helpful, and kind. Tom made what can be a stressful and exhaustive experience into a smooth and comfortable experience. Trust that you are in great hands with his guidance and professionalism, he is the best!

Tom did a great job with my mortgage in Apple Valley, Minnesota I would strongly recommend anyone looking for a home loan to work with Tom.

Tom was amazing! He was proactive in getting our materials together for pre-approval, approval, and then our closing. He also made himself available after hours to answer any questions we had. I highly recommend Tom, and the rest of his team at First Centennial!

We started our refinance experience with Chase, not that it was a bad experience, but after I mentioned it to a friend of the family Tom and his staff were recommended to us. I placed a call and spoke to Tom via text ,phone, and email. He and his staff were very supportive, professional, and just an overall pleasure to deal with. The entire process was completed in a very reasonable period of time and with no unexpected hassles. Did I mention Tom saved us a quarter percent on our rate and over $2000 in costs over Chase. Thanks Tom

Tom and Vanessa were amazing to work with! Tom was literally available day and night. Didn’t matter. He was there. He was super helpful throughout our whole home buying process, including our totaling of our car less than a week before closing. Tom figured out a way to get it done. He truly cares!! Will definitely be our guy for the next house purchase!!

Tom is AMAZING! I never thought we'd be able to qualify for a house. We were turned down by many mortgage brokers. Tom was the only one willing to work and educate us on how the process works. He worked with us for over a year until we were finally qualified to purchase. We've now been homeowners since 2015 and that wouldn't have been possible without him! I will never go with anyone else!!

Let me put it this way: Tom Smith IS my mortgage guy. I’ve never considered “shopping around.” Why would I when Tom - and in our latest transaction Tom, Vanessa and the First Centennial Team - simply get things done and done well? All with the highest level of concern and professionalism. Speaking of, our most recent deal was a complicated one, with lots of homework to do and hoops to jump through. Frankly, I never had a worry. I know what he can do.

Great Experience! Made our dream home a forever home. Mr. Smith and his staff were very helpful, personable, and honest to bring our dream home a reality. He answered all the questions I was afraid to ask honestly. He and his staff worked efficiently to complete the lending process. Mr. Smith continues to keep in contact with me even after the transaction is done. He cares about his clients.