About Tom Halfpap
When you’re making one of the biggest investments of your life, you want to work with someone you can trust. As your lender, I’ll always have your back.
Whether you are buying your first home, building a dream home, or refinancing an existing mortgage, Tom will ensure you get the right mortgage loan with an unsurpassed level of service and attention. Put the power of a proven mortgage professional to work for you today. Tom’s goal is to be your mortgage advisor for life.
Why Choose Tom Halfpap?
★★★★★
"Tom is fast, efficient, and thorough. He made the entire process a breeze. We couldn't be haopier and HIGHLY recommend him. 5 Stars ⭐️⭐️⭐️⭐️⭐️"
-Elizabeth R
★★★★★
"Tom Halfpap is a wonderful mortgage advisor. He works extraordinaroly hard for his clients and had our backs every step of the way through our home buying experience. We have used him on two occasions and would use his services again. I would highly recommend using Tom on your next home buying adventure. Thanks again Tom for everything."
-Rhianna K
Client Tools
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Calculate Your Monthly Payment
Our calculator tool helps your better understand your budget and home eligibility by giving you an estimated monthly payment based on purchase price, current loan rates, and loan terms.
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- *Estimated, not including taxes and insurance.
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Our professionals are ready to assist you with a personalized estimate, tailored to your specific wants, needs and situation when you're ready. Let us help you finance with confidence.
* The figures shown are estimates and are subject to change based on a more thorough review of your needs, choices, and credit history. The payments shown do not include other expenses you will incur as a homeowner; such as taxes and insurance. For an even more accurate quote, contact a loan officer.
The default interest rate is the Freddie Mac Weekly National Average for a 30-year conventional mortgage as of 04/10/2025. Read More
Actual figures will vary based upon market conditions and a more thorough review of your needs, loan choices and credit history. Please note that the interest rate is different from the Annual Percentage Rate (APR), which includes other expenses such as mortgage insurance, and the origination fee and or point(s), which were paid when the mortgage was first originated. The APR is normally higher than the simple interest rate. The payments shown do not include other expenses you will incur as a homeowner; such as taxes and insurance. This is an estimate. For a more accurate quote, speak with a loan officer. This calculator is a tool and is not intended as an advertisement.
Tom's Featured Articles
Reasons to Use a Local Lender
Preparing for Homeownership
Do’s and Don’ts of the Mortgage Process
Contact Tom Halfpap
Whether you're in need of a mortgage or simply looking for advice, I'm happy to help. Let's connect!
Areas Tom Serves
I’m available for all your mortgage needs in the following states: