A California licensed mortgage salesperson since 2002. “My first job is to listen and learn about my client’s needs and financial goals for the property they are financing,” says Banducci. VA & FHA loans, San Francisco condo conversion financing, Fractional TIC financing, self-employed borrowers – Tom is proficient at understanding the subtle differences between the many lenders we work with at Guaranteed Rate and the importance of being able to place loans for all kinds of borrowers in all types of situations. One thing that separates Tom from other loan consultants is his knowledge of the FICO credit scoring model and his talent in advising clients about improvement in credit scores through correcting inaccurate data on credit reports. “It really feels good to be able to help clients cross the finish line to home ownership,” says Banducci.
Tom has a BA in Communications with a minor in Business and has lived in the Bay Area since 1985. Tom started his first business at 33 and was a central figure for 17 years in San Francisco’s film and video production community. Tom is a member of the California Association of Mortgage Professionals (CAMP) and currently owns residential units in San Francisco.