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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
Fri
9 AM to 8 PM
Sat
9 AM to 8 PM
Sun
9 AM to 8 PM
Overall Ratings
4.95
(426)
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Reviews from Web
  • 5.0
    Arive
    D
    Daniel K
    Posted on June 13th, 2026 03:07 PM
    Tom's is very knowledgeable and his communication was great. He keeped us in the loop throughout the whole process. He was very accessible and promptly returned calls and texts. We found this very reassuring.
  • 5.0
    Arive
    M
    Mike D
    Posted on June 3rd, 2026 05:47 PM
    Tom was always very responsive and full of knowledg! We are repeat customer sof his and will continue to be for years to come!!
  • 5.0
    Zillow
    M
    Mike A E D
    Pine, AZ
    Posted on June 3rd, 2026 12:00 AM
    Tom was very responsive and knowledgeable! We are repeat customers and will continue to be in the future! He was also the lender my kids used as first time homebuyers.
  • 5.0
    Arive
    N
    Nolan D
    Posted on June 1st, 2026 05:52 PM
    Tom was extremely helpful, knowledgeable, and informative throughout the entire process. Ton took the time to answer all of my questions, explain every step in detail, and made sure I understood my options before making any decisions.
  • 5.0
    Arive
    R
    Russell G
    Posted on May 26th, 2026 10:46 PM
    Knowledge, expierence follow up staying in touch. always grest to wior with Tom.updates frequently
  • 5.0
    Arive
    F
    Fadi A
    Posted on May 26th, 2026 08:20 PM
    Tom made everything easy. he is a professional and great to work
  • 5.0
    Arive
    S
    Susan B
    Posted on May 15th, 2026 08:49 PM
    Totally painless process . They asked for what they needed With details. It was delivered and the process was seamless. They are delightful to work with on a mortgage
  • 5.0
    Arive
    E
    Erik T
    Posted on April 19th, 2026 06:24 AM
    Tom is the absolute best to work with. He's responsive, professional, knowledgeable, and always helpful with any question or concern that comes up.
  • 5.0
    Arive
    V
    Vrushali P D
    Posted on April 15th, 2026 11:53 PM
    Tom was great to work with and extrem patient with all my qurations.
  • 5.0
    Arive
    B
    Brett C
    Posted on April 9th, 2026 03:12 PM
    Tom's level of service was excellent and made the difference even among cheaper financing options. He was very helpful and communicative throughout the entire process. 10/10 would recommend and will look to use him again for other financing....
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  • 10 of 426
    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
    Specialities
    Mortgage Lending
    Mortgage Planning
    Real Estate Purchase and Sale
    297
    /850
    Search Rank Score
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    Memberships
    • Certified Mortgage Advisor

    Time Zone

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