Tom Stone

Senior Mortgage Banker | NMLS# 588863

Flat Branch Home Loans

4.9

(703)

Mortgage

Mortgage Loan Officer

Contact Info

(573) 489-4059

Columbia, MO

https://flatbranchhomeloans.com/team/tom-stone

Location & Business Hours

Business Hours

Wed

8:30 AM to 5 PM

Thu

8:30 AM to 5 PM

Fri

8:30 AM to 5 PM

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4.9

(703)

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Tom was absolutely outstanding throughout the entire process. I’m a very inquisitive person, and he took the time to break down every detail until I felt completely confident and informed. He also brought creative solutions to the table options...

Reply from Tom Stone

December 17th, 2025 01:37 PM

Aaron, I appreciate your kind words and your trust in my work. It's great to know that I could help answer all your questions and provide solutions that fit your needs. Your willingness to recommend me means a lot. Should you need any more...

Great experience working with this loan officer. He knowledgeable, responsive, and kept me informed. Minor issues were handled well. Overall, satisfied with the service.

Reply from Tom Stone

December 17th, 2025 01:37 PM

I appreciate your feedback, Steven. It's good to know that you found me knowledgeable and responsive throughout the process. I'm glad the minor issues were handled effectively and that you felt informed every step of the way. If you have any...

Tom goes above an beyond. Every Tuesday without fail, Tom would contact me to let me know the progress of the loan. He is very informative and cares about his clients and his work!

Reply from Tom Stone

December 17th, 2025 01:38 PM

I really appreciate your kind words, Christina. Keeping you informed and ensuring a smooth process is something I take seriously, and I'm glad to know that my efforts made a difference for you. If there's anything more I can do or if you have...

Tom and his team were fantastic. He walk us through a very difficult home purchase with confidence and great support.

Reply from Tom Stone

December 17th, 2025 01:38 PM

I appreciate your kind words, Timothy. Guiding you through the complexities of your home purchase with confidence and support is exactly what I strive for. If there's anything else you need or any questions arise, feel free to reach out anytime....

Tom has such a great understanding of the loan programs and explains them in such a practical way - he truly looks out for the buyer/client! Great communication - bar none!

Reply from Tom Stone

December 17th, 2025 01:39 PM

I appreciate your kind words, Jane. It's important to me that you understand the loan programs and feel supported throughout the process. Clear communication and looking out for clients are top priorities for me. If you have any more questions...

Tom wa always available, ahead of situations and worked well with my clients.

Reply from Tom Stone

December 17th, 2025 01:39 PM

I'm glad to know that my availability and proactive approach were beneficial to you and your clients, Michael. It's important to me that everything goes smoothly and efficiently. If there’s anything more you need or any questions arise, feel...

Tom Stone at Flat Branch and his Team once again have taken us to the closing table smoothly. Trusting the lender and their dedication to the process and timeline is imperative to a Realtor, I have complete trust in Tom and his team at Flat...

Reply from Tom Stone

December 17th, 2025 01:40 PM

I'm pleased to hear that everything went smoothly with your closing, Cary. Trust is an essential part of the process, and I'm honored that you have such confidence in my team and me. If there's ever anything else you need, I'm always here to...

I appreciate all the help! I felt like I could always ask questions and never felt dumb

Reply from Tom Stone

December 11th, 2025 10:00 PM

I'm glad to hear that you felt comfortable asking questions throughout the process, Tinaya. Providing a supportive environment is important to me, and your feedback reassures me that I'm on the right track. If there's anything else I can do...

Thanks for this experience

Reply from Tom Stone

December 1st, 2025 08:39 PM

I’m pleased to hear that your experience was positive, Jonah. If you ever have any questions or need assistance with anything else, please don't hesitate to get in touch.

Tom gets it done . I never have to question it .

Reply from Tom Stone

December 16th, 2025 02:36 PM

I'm grateful for your confidence in my work, Ryan. Knowing that you never have to question the process is exactly what I aim for. If there’s anything else you need or another way I can assist you, don't hesitate to reach out.

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About

Because no two borrowers come with the same background, each process is tailored to your personal goals, aspirations and milestones. Home buyers come through our door starting somewhere different all the time, but the journey will always end at the home you’ve been working hard for. All of our products are designed with you alongside, so your loan will be shaped perfectly for your wants and needs.

Products & Services

Mortgage Loan Officer

FHA Home Loan

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Conventional Loans

VA Loans

FHA Loans

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