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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 12 PM
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closed
Mon
8 AM to 9 PM
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Reviews from Web
Tom is the best mortgage mentor possible, Fairhope Mortgage is the best place to work in terms of the product I can offer and the people I can help.
Reply from Fairhope Mortgage LLC
October 12th, 2026 02:48 PM
Thank you Cole, having you as a team member on Fairhope Mortgage has been great, seeing you start from scratch and grow has been incredible. If anyone else is looking to join a mortgage company the provides coaching and support showing you...
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I used a DSCR loan to buy my first short-term rental condo in Orange Beach, Alabama and had a great experience with Tom Kalagher. Didn’t know much about DSCR loans going in, but not having to provide tax returns or the usual income documents...
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Reply from Fairhope Mortgage LLC
September 4th, 2026 04:13 PM
Thank you Robert for your kind words! I know that condo is going to be a great investment for you and the DSCR loan is a great solution for condos in Orange Beach, AL!
I worked with Tom Kalagher on a purchase of my home in Robertsdale, AL and it was a great experience. He was able to get me a USDA loan with zero down payment and made the process smooth and easy.
Reply from Fairhope Mortgage LLC
September 3rd, 2026 03:49 PM
Matt, thank you for your kind words, I'm thrilled you love the new house with a great USDA mortgage with a low rate.
Tom Kalagher at Fairhope Mortgage was great, he helped me purchase my first condo investment property in Orange Beach, AL using a DSCR loan. It was incredibly easy, no income or tax documents needed and closed in less than 3 weeks.
Reply from Tom Kalagher - Fairhope Mortgage
September 1st, 2026 06:37 PM
Thank you Joshua! It was great working with you on your DSCR investment property purchase. First of many I hope.
I enjoy working with Tom for mortgages in Baldwin County! He is kind, helpful and fast. Thank you Tom!
Reply from Owner
September 2nd, 2026 10:12 PM
Thank you Danielle, can't wait to work together again on your next DSCR loan in Baldwin County!
Tom was a lifesaver! Not only got me the refi I was looking for but left me in a even better financial situation than before!
Reply from Owner
September 29th, 2026 02:43 PM
Doug, I was so happy I was able to help out. Getting all your billed paid off and roof replaced with a conventional refinance loan is really going to be a game changer and improve your property value in Satsuma, AL.
We had the pleasure of working with Tom Kalagner. Where do I start because he was so helpful and completely honest throughout our home buying process. Tom went far and beyond to make sure he did everything to make sure we were able to close...
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Reply from Owner
September 3rd, 2026 03:22 PM
Andreco, it was a pleasure working with you on your FHA purchase in Mobile, AL! I'm very excited for your new adventures.
I had an excellent experience with Fairhope Mortgage, LLC. Tom Kalagher was friendly, knowledgeable, and took the time to understand my specific needs. Rather than offering a one-size-fits-all approach, he customized a lending solution that...
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Reply from Owner
July 24th, 2026 07:12 PM
Keith, thank you so much for your kind words. If I can ever help again in future please let me know.
Tom is Wonderful and helped me out so much! Will use again.
Reply from Owner
July 24th, 2026 07:13 PM
Gregory, thank you! It was great working with you.
Tom was great to work with and was very responsive through our first home buying experience, I'd highly recommend working with him!
Reply from Owner
June 10th, 2026 03:17 PM
Thank you Nic! It was great working with you and I hope you enjoy your house.
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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.