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Tom Karmo - Principal | NMLS# 242392 in Phoenix, AZ

Tom Karmo

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Principal | NMLS# 242392

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Basis Lending offers technical analysis of current interest rate and property value trends to help existing and potential home owners make the most educated decisions possible regarding their home financing. As an Independent Mortgage Bank... Show More
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Location & Business Hours
Business Hours
Mon
9 AM to 8 PM
Tues
9 AM to 8 PM(Open now)
Wed
9 AM to 8 PM
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Reviews from Web
  • Arive
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    Kyle B
    Posted on July 29th, 2026 07:58 PM
    Great communication and could answer all questions with ease.
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    Anthony G
    Posted on July 28th, 2026 04:00 PM
    I have worked with Tom Karmo multiple times to geet the best expirence when purcchasing a new home and it seems there was a lot of broken promises and items that could of been cpatured early in the loan that pushed the closing and created issues...
    read more
  • Arive
    A
    Anita R
    Posted on July 13th, 2026 12:01 AM
    Tom took the time to explain everything about the process, every step of the way. I learned so much! He is very professional and personable, and helped this novice homebuyer feel more confident.
  • Arive
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    Eliza Y G A
    Posted on July 11th, 2026 03:39 PM
    The transaction was very smooth .
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    Skye G
    Posted on July 10th, 2026 11:15 AM
    Tom was always available answer all my questions and we were able to move very quickly. My closing was incredibly easy, thanks to him!
  • Zillow
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    Skyegruen
    Oro Valley, AZ
    Posted on July 10th, 2026 12:00 AM
    Tom was always available answer my questions and we were able to move very quickly. I appreciated his knowledge of the local market and valued his advice. My closing was incredibly easy, thanks to him!
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    Colleen C
    Posted on June 29th, 2026 10:20 PM
    Tom was responsive and walked me through all of my questions. I would recommend Basis Lendong
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    Starkey W
    Polson, MT
    Posted on June 29th, 2026 12:00 AM
    Tom helped us consolidate two loans and withdraw enough money to buy a new car all for the same monthly payments as before. He was Johnny-on-the-spot when market volatility was raising interest rates. After closing, he has monitored the market...
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  • Arive
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    Justin P
    Posted on June 25th, 2026 08:59 PM
    Tom and Darcy you guys made this happen and I really appreciate it! I look like a disaster on paper at this moment in time and you made it work regardless. Next purchase 10 million as promised. XOJ
  • Arive
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    William S
    Posted on June 25th, 2026 06:12 PM
    Tom was timely in securing the rate during a time of market turbulence. He was instructful in explaining the pros and cons of the mortgage. He was helpful and responsive throughout.
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    About
    Basis Lending offers technical analysis of current interest rate and property value trends to help existing and potential home owners make the most educated decisions possible regarding their home financing. As an Independent Mortgage Bank, we compare dozens of Investors to find the best possible terms for our clients.
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
    VA Home Loan
    Jumbo Home Loan
    Conventional Home Loan
    Mortgage Refinance
    USDA Loans
    DSCR Loans
    Home Equity Loan
    Bank Statement Loans
    Home Equity Line of Credit
    Specialities
    Mortgage Lending
    Mortgage Planning
    Real Estate Purchase and Sale
    What is the Search Rank Score®?
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    Memberships
    • Certified Mortgage Advisor

    Time Zone

    Mountain Standard Time (MST)
    Licenses
    • NMLS# 242392
    • AZ Loan Originator# 0912704
    • CO Mortgage Loan Originator #100506866
    • View All
    Disclaimer
    Equal Housing Lender. NMLS 242392.