Tom Fallos

Nice to meet you! My name is,

Mortgage Consultant

NMLS#: 258107

Licensed in: AZ

Your mortgage journey begins here. Getting started on the purchase or refinance of your home is just a few minutes away. No commitment needed.

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- About Me

Tom Fallos Is originally from Minnesota, joined the U.S. Army right out of high school and is a proud Veteran.

Shortly after serving in the Army, he relocated to the Valley of the Sun. Soon after he moved to Phoenix, Tom decided to explore a career in Real Estate – which soon led him to mortgage lending. He has worked in the Real Estate field for just shy of 30 years all together, and has a vast network of clients that come back to Tom for his excellent customer service and vast knowledge.

He loves lending and is passionate about helping people, he has been told that he has the heart of a teacher as he arms his clients with as much knowledge as it takes for them to make an educated decision when it comes to their money. – He has a soft spot of sorts for The military community and takes extra pride in helping Veterans achieve the American Dream.

By offering “The VIP Experience”, he shows his clients that they are indeed his VIP’s, and puts some fun and style back in the home buying process!

Tom’s goal is to help as many people as possible to realize the value of homeownership.

Tom Fallos

Mortgage Consultant

NMLS#: 258107

Licensed in: AZ

- Why borrowers choose Me

A better experience, start to keys.

You’re not choosing a loan — you’re choosing the people who get it done. Here’s what that feels like with me.

I work to close on time

I stay closely involved throughout processing and underwriting, helping keep communication clear and your loan moving toward closing.

You can always reach me

I stay accessible throughout the process, so you’re never left wondering what’s happening with your loan.

I fight for your bottom line

I compare options across our lender network to help find competitive pricing, and I’ll walk you through the rates, costs, and fees in plain English.

No jargon, ever

I walk you through every option so you understand exactly what you’re signing — and feel confident doing it.

- What happens next

Four steps, and you'll always know which one you're on.

Everyone is different, but almost everyone starts in one of these places. Find yours and I’ll tell you what to expect.

We talk

Fifteen minutes on the phone. What you want, what you’ve saved, what worries you.

I start your pre-approval

I’ll gather what the lender needs and let you know where you stand once it’s reviewed.

I lay out your options

I compare programs and pricing and walk you through the tradeoffs side by side.

I get you to closing

I stay involved through underwriting and check in as things move along.

- For real estate agents

Send me your client and I'll keep you in the loop at every step.

Pre-approvals that hold up under a competitive offer, weekly status on every file, and a straight answer when a deal isn’t going to work. I’d rather protect your reputation than force a close.

Honesty & integrity

I treat every client the way we’d want to be treated — with transparency on rates, fees, and timelines.

Local, experienced

With my experience I can confidently recommend the financing that genuinely fits.

Twenty-plus programs

From FHA and VA to jumbo, cash-out, and investor loans — the right option, all under one roof.