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Fairhope Mortgage LLC
Branch Manager - Fairhope Mortgage
Tom Kalagher is the Founder and Branch Manager of Fairhope Mortgage in Fairhope, Alabama, NMLS #2028566. Since 2020, Tom has helped homebuyers, homeowners and real-estate investors throughout Baldwin County, Mobile and the Alabama Gulf Coas... Show More
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Business Hours
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8 AM to 9 PM
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8 AM to 12 PM
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closed
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Reviews from Web
I had the BEST experience using Fairhope Mortgage when I recently purchased my Condo in Tampa, FL. Tom Kallagher is the Advisor that explained conventional loans so that I had no questions and he got me all the funds I needed. I cannot say...
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Reply from Owner
October 19th, 2026 05:05 PM
Sarah, thank you so much for the kind words and for choosing Fairhope Mortgage for your Tampa condo purchase. We’re glad Tom Kalagher was able to clearly explain the conventional loan process, secure the funds you needed, and provide the communication...
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I highly recommend Fairhope Mortgage for anyone looking to buy a home, especially if you're self-employed or have a unique financial situation!A friend of mine in Pensacola, FL, was able to secure a FHA Loan for her $250,000 home using her...
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Reply from Owner
October 16th, 2026 06:26 PM
John, thank you so much for the wonderful recommendation and for highlighting how Tom was able to help your friend in Pensacola secure an FHA loan using 1099 income. We truly appreciate you recognizing our range of loan options and our commitment...
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Tom Kalagher was really quick and efficient on the closing of a home i worked with him! very good!
Reply from Owner
October 15th, 2026 03:00 PM
Thank you Jonathan! It was great working with you on this investment property purchase using a DSCR loan in New Orleans, LA. Clear to close in 14 days!
Tom is hands down the best mortgage broker on the Mississippi Gulf Coast for real estate investors. He recently guided me through a DSCR loan on a short-term rental investment property in Ocean Springs, MS, and executed the entire deal seamlessly....
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Reply from Owner
October 12th, 2026 08:38 PM
Matthew, thank you for the kind words and for trusting Tom and our team with your DSCR loan for the Ocean Springs short-term rental. We’re glad Tom’s non-QM DSCR and investor cash flow lending expertise helped make qualifying straightforward...
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Tom at Fairhope knows his stuff and really works with you! I've worked with other mortgage brokers who didn't really know anything but how to fill in the forms. So refreshing!
Reply from Fairhope Mortgage LLC
October 12th, 2026 02:46 PM
Thank you Guerard, it was great working with you on your DSCR loan for an investment property in Massachusetts. Hopefully it is the first of many!
Tom Kallager at Fairhope Mortgage in Fairhope, Alabama, is a top-notch FHA loan officer! His professionalism, knowledge, and dedication make him an excellent choice for anyone looking for an FHA home loan. I highly recommend Tom to anyone seeking...
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Reply from Fairhope Mortgage LLC
October 9th, 2026 04:25 PM
I'm glad to hear you had such a positive experience with Fairhope Mortgage, Dave. Your kind words about our professionalism and dedication are greatly appreciated. Thank you for recommending to others seeking FHA home loan assistance!
Fairhope Mortgage is a great resource for anyone looking for mortgage services in Fairhope, AL. Tom Kalagher is committed to helping people navigate the home financing process, including understanding options for FHA loans. If you’re looking...
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Reply from Fairhope Mortgage LLC
September 30th, 2026 03:37 PM
Thank you Scott for the kind words. We love FHA first time home buyers in Fairhope, AL! Glad you had a great experience.
Buying a house can be so stressful, but Tom Kalagher made a real difference for us. His knowledge of the financial choices available on the market gave us options that we could never have found on our own. He showed us how we could draw equity...
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Reply from Fairhope Mortgage LLC
September 30th, 2026 03:40 PM
Matt, I love the new house and getting set up to retire in Orange Beach, AL is going to be perfect for you and Eva. Combining a HELOC with a conventional mortgage is a great solution for converting your old primary residence into an investment...
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As a mortgage loan processor for 25+ years, I have been working with Tom for 5+ years. Throughout the years, we have worked numerous DSCR investment loans together in the Gulf Coast in LA, MS, AL and FL. He is very knowledgeable able and keeps...
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Reply from Fairhope Mortgage LLC
September 17th, 2026 04:55 PM
Thank you, Lilly, for your kind words and for trusting me over the years. I'm glad to hear that our collaboration on DSCR investment loans has been positive, and I appreciate your recommendation. Your expertise and partnership have been invaluable...
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I have been working with Tom on DSCR loans in the gulf states over the last few years. He is highly respected and is very well educated. For anyone seeking an investment loan in the south, he is one of the best for the job.
Reply from Fairhope Mortgage LLC
September 17th, 2026 04:56 PM
Thank you Chris! I appreciate all your help on DSCR loans for investment properties across Alabama, Mississippi, Louisiana, and Florida.
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About
Tom Kalagher is the Founder and Branch Manager of Fairhope Mortgage in Fairhope, Alabama, NMLS #2028566. Since 2020, Tom has helped homebuyers, homeowners and real-estate investors throughout Baldwin County, Mobile and the Alabama Gulf Coast with conventional, FHA, VA, USDA, DSCR, investment-property and refinance financing.
Based in Fairhope, Tom specializes in finding solutions for borrowers with complex financing needs, including self-employed borrowers, real-estate investors, first-time homebuyers and Gulf Coast property buyers. Fairhope Mortgage serves clients throughout Fairhope, Daphne, Spanish Fort, Foley, Gulf Shores, Orange Beach, Mobile and surrounding communities.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
USDA Loans
DSCR Loans
Cash-Out Refinances
Hard Money Fix and Flip Loans
Specialities
First time home buyers
Investment properties
DSCR loans
FHA loans
USDA Loans
VA Loans
Conventional Loans
Refinance
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Positions
- Fairhope Mortgage LLC - Branch ManagerOct 1st, 2020 - Current
Memberships
- NMLS
- Eastern Shore Chamber of Commerce
- Affiliate Member of Baldwin Realtors
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2020
Time Zone
Central Standard Time (CST)
Licenses
- nmls # 2028566
Gallery
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+9
Awards
$20M Producer in 2...
Best Mortgage Lend...
Best Mortgage Lend...
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Achievements
- $20M Producer in 2025
- 200 Families Served
Hobbies
- Family
- Boating
- Golf
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Disclaimer
| Equal Housing Lender | All information contained herein is for informational purpose only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Not an offer to extend credit or a commitment to lend. Terms subject to change without notice.