Tom F Murphy – Banc Home Loans

In March 2016 I had an opportunity to buy my dream home in New Orleans, but was told by a loan broker in New Orleans that because I’ve never had any debt I didn’t qualify for a loan. I was heartbroken. I decided to contact a college friend of mine, Tom Murphy, who lives in Oakland and see what he said about the situation. Right away he took a quick information survey about my financial situation and told me I had a credit score of 810 and of course I would qualify for a loan. Never having had any experience with loans or borrowing money from anyone this process was super confusing, plus it was in another state with different rules and regulations. Still that didn’t stop Tom. If he didn’t know something he got the information pretty quickly from another source and if I didn’t understand it there was always 2 – 3 different ways he explained it to me. The most important thing was I trusted him 100%. When everyone told me there was no way this was going to happen Tom reminded how he knew this was a dream of mine and would do whatever he could to make it happen. There was even a day that I cried and he comforted me. I’m sure I wasn’t the easiest client, but in the end he made what seemed like the impossible task happen. He was patient, hopeful and kind. If you want your dream of owning a home come true… this is your man. There isn’t a doubt in my mind if Tom hadn’t been on my side this wouldn’t have happened. So from the bottom of my heart I’m so thankful for everything he did for me.

If you are looking for a trust worthy loan officer Tom is the one! He was very knowledgable and helpful in our purchase of our home. We weren’t sure that we would even qualify but he assured us that we could and walked us through the entire process. In the end we got in with a very low downpayment and a mortgage that was less than our rent. We are super excited and couldn’t be happier about our new purchase. I for sure would give him a call if you are looking to buy a home.

This is an easy choice to make. Tom is extremely professional, effecient, organized, and gets the job done as seamless and stressfree as possible. He kept my refi simple without any hidden agendas. I felt more educated and was able to recommend his services to my family members who needed an honest person in the business that cares about the client and puts you first. The unique ability of Tom is that he follows through, is persistent, & is very accessable. He has impeccable timing and weaves thru this difficult process with ease and confidence. Expiriencing his proven success personally 3 years and since, I highly recommend Tom Murphy to help high end home and business owners and also for small time owners get the best loan they qualify for and be treated with the utmost respect throughout the process. Congrats Tom on your success!