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.
As an experienced lender, Tom is available to guide you through the home financing process. Whether you are purchasing your first home, an investment home, refinancing or just need mortgage advice, Tom Halfpap can help.
Why Choose Tom Halfpap?
★★★★★
"Tom was amazing! Buying a home can be terrifying and stressful. Tom took all of the fear and stress out of the process. Extremely knowledgeable and uses that knowledge from the beginning of the process through closing. I recommend him to everyone. Highly recommend him!"
-Susan Y | October 13th, 2022
★★★★★
"Tom was absolutely phenomenal from start to finish! He kept us in the loop throughout the entire process, provided great feedback and advice, and ultimately helped create a seamless transaction! Thank you for all of your help - 100% recommended!"
-Tyler S | July 7th, 2022
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 02/02/2024. 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: