headshot
headshot
Tom Kerr
VP of Mortgage Lending

I am a seasoned veteran in the mortgage industry. I have found over the years that my practical experience coupled with the massive resources that Guaranteed Rate affords for me give me a much needed advantage to each customer I work with on a daily basis. The company philosophy of being a leader in putting the customer in the best position and advocate for our referral partners really complemented how I look at each transaction. Starting my working career as a school teacher gave me the grass roots desire to treat each customer as an individual and put their needs and goals as the guidepost of my daily work. When I transitioned from a school teacher to a mortgage professional, I was able to take with my the integrity and desire to help people that led me into education originally. I have a strong desire to educate my clients on all of their options and by putting their goals at the forefront I can help them make solid educated decisions on what direction is best for them. My wife and I have 2 kids and know how busy life can get with work, family and recreational responsibilities. I keep that in mind always when working with customers to make the mortgage experience as simple as possible and go to work eliminating obstacles to keep the client's mind on the main things of their lives. This allows me to be an asset in their lives and leads to a great experience. My network of professionals offers the client to navigate through one of the most important financial decisions of their lives with total confidence. By keeping the customer first, setting good expectations and eliminating speed bumps, we end up at the closing table friends and not just another business transaction. I look forward to working with you.

Helpful tools and resources
Personal Loans
No-fee personal loans
First-time homebuyer’s guide logo
First-time homebuyer’s guide
Mortgage calculators logo
Mortgage calculators
Loan options logo
Loan options

Recent reviews

What people are saying
A HELOC with a fixed rate you can count on.
Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.
Areas served
  • Milwaukee, West Allis, Kenosha, Burlington, Greenfield, Oak Creek, Franklin, Wisconsin, Lake County, Illinois, Brookfield,
    Services offered
    • Mortgages, HELOC, VA Loans, Renovation Loans, Jumbo mortgages, FHA loans, 203K loans,
      Agent Advantage
      Real Estate Agents: Want to look good and grow your business?
      Put our power behind your bid. Compete with cash offers and bid, buy, and close fast.
      loading rates table

      Loading Rates...

      Today's rates

      Loan typeRateAPRDiscount points ($)Mo. payment

      This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate, Inc. and are subject to change without notice. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges).

      Product Assumptions:

      Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.

      Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.

      FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.

      VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.

      These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.

      One discount points equals one percent of your loan amount.

      Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.