Tom Pessemier
Vice President of Mortgage Lending

Hi, I'm Tom Pessemier, and I'm an award-winning mortgage lender, licensed in numerous states across the country, residing in Richmond, VA. I've been helping people to buy and refinance their dream homes for more than 18 years.

Most of my business comes to me through referral, and I love that many of my clients are also repeat clients. I always enjoy helping each one of them, and though I'm strongly tied to my local community, my network extends throughout the United States. My clients are like family to me, and their support and loyalty is amazing.

I'll be honest. I'm a firstborn, high-achiever, and am extremely customer service driven. I don't take no for an answer when I believe there's a solution for my clients. I'm known for working hard to get loans through that had been through many hands before me and went nowhere. At the end of the loan process, when I see my clients' excitement about moving into their dream home, all that hard work pays off.

I guess a lot of this work ethic comes from my early days. At 14 years old, I begged my dad to hire me in his drive-in restaurant (the Brown Cow Drive In). He finally relented. But he didn't go easy on me. I started out at the bottom, cleaning the post-hole in the dumpster enclosure. I'm sure he enjoyed giving me that nasty job, but I was determined to make him proud - so I did my best (even though it was not fun!) Eventually, I moved up into management. That's where I learned about the power of a strong work ethic, problem solving, and taking on a challenge.

When I got into the mortgage industry in 2003, I applied those same principles I learned at my first job.

When the financial meltdown hit in 2008, I was in the mortgage industry at the time - and was one of the last men standing when the smoke cleared. I stayed in the business when many were leaving in droves. Though it was difficult, it reminded me of how important it was to continue providing the same superior service to my clients—no matter what was going on in the world.

Today, I'm thankful to have a company like Guaranteed Rate behind me. Being a Guaranteed Rate VP of Mortgage Lending means I can provide more options for my clients - as well as to provide a smoother loan process and very competitive rate/fee structures. My business thrives because my clients know they can always count on me and my team to get the job done in the smoothest way possible.

Though I've received hundreds of referrals from past clients over the years, every time I get a call with the name and number of someone who needs my help, I still feel so grateful for the chance to make a positive difference in that person's life. Also, to know someone trusted me enough to put their name on my service level means the world to me. For five straight generations now, my family has owned small and large businesses. While I was growing up, I was taught to look for opportunity, find resources, and solve problems in challenging situations I have encountered.

I've lived in a lot of places, which has widened my experiences and relationships with my clients. Originally from Washington State, I grew up in Eatonville, a small town in the foothills of Mt. Rainier. In 2014, my family and I moved to Sarasota, Florida and enjoyed living there for 6 great years. Today, we live in Richmond, Virginia, and we're enjoying having seasons again, along with nearby mountains, historical sites and beaches.

My wife and I have two daughters, one is in college and another just graduated from college and is applying to graduate school. In our spare time, we love to travel to new places and old places to visit friends and family, kayak, and hike in the Blue Ridge and Shenandoah Mountain National Parks. I am a huge history buff, so it's always great if we can include historical landmarks in our travels!

Doing what I do is so rewarding and knowing I'm giving each one of my clients the best possible experience is the best feeling! I wouldn't rather be doing anything else.

Check out my Google, Facebook, and Yelp reviews to find out what my clients have said about working with me...and if we’ve worked together in the past - I’d be honored if you would also post your own review!

Do you need a mortgage expert to help you with a purchase or refinance? Now is a great time to look at your options. I’d love to help! “Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information.”

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Areas Served
  • Arizona
  • Florida
  • Idaho
  • Indiana
  • Maryland
  • North Carolina
  • Oregon
  • Texas
  • Virginia
  • Washington
Services Offered
  • Mortgage Advisory Services, Strategy Consultations
  • Mortgage Preapprovals
  • Home Purchase Mortgages
  • Refinance Mortgages
  • Conventional Mortgages
  • VA Mortgage Specialist
  • FHA mortgages
  • USDA mortgages
  • First-Time Homebuyer Mortgages
  • Investor Mortgages
  • Vacation Home Mortgages
  • VA IRRRL Streamline Refinances
  • Family Opportunity Mortgages
  • Renovation Loans
  • Manufactured Home Mortgages
  • Condominium Mortgages
  • Self Employed Mortgages
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