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.

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    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 and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. 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). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

    One discount points equals one percent of your loan amount.

    Some jumbo loan options may not be available to first-time home buyers.

    We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

    Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

    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.


    If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It 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.

    Adjustable Rate Mortgage (ARMs)

    Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.