Tom Stone
Senior Mortgage Banker | NMLS# 588863
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 en... Show More
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(Open now)
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Reviews from Web
Tom was very communicative to me as the buyers agent and even attended the closing which i don't see a lot anymore!! Highly recommend!
Reply from Tom Stone
September 4th, 2026 08:02 PM
Julie, I appreciate your kind words and am glad to hear that my communication and presence at the closing made a positive impact. Thank you for recommending me and for your support.
Tom was incredibly kind, informative, and responsive. The process was simple and efficient, which we greatly appreciated as first time buyers. Tom and his team were great!
Reply from Tom Stone
August 15th, 2026 05:41 PM
Abigail, I'm grateful for your kind words about my team and me. It's wonderful to know that you found the process simple and efficient, especially as first-time buyers. Thank you for choosing Flat Branch Home Loans!
Great service
Reply from Tom Stone
August 7th, 2026 07:46 PM
Heather, I appreciate your feedback and am pleased to know you had a great service experience with Flat Branch Home Loans. Thank you for sharing!
Fast and friendly good communication
Reply from Tom Stone
August 7th, 2026 06:40 PM
Dwayne, I'm glad to hear that you found the communication fast and friendly. Thank you for sharing your experience with Flat Branch Home Loans!
Great communication and support as needed during the whole process. Thank you!
Reply from Tom Stone
August 7th, 2026 01:04 PM
Denise, I'm thankful for your kind words about the communication and support you experienced. It was a pleasure to assist you throughout the process. Thank you for choosing Flat Branch Home Loans!
I enjoyed working with Tom as he walked us through the mortgage process. In this rising rate environment it's important to have a lender you trust. Tom was even on vacation when we were closing but he stayed in touch and was easy to communicate...
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Reply from Tom Stone
August 7th, 2026 01:01 PM
Bethany, I'm grateful for your kind words and trust throughout the mortgage process. It's important to me to remain accessible and supportive, even during challenging times like a rising rate environment. I appreciate you recognizing my efforts...
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I'm 1st time buyer and he got me all the deals he could to get me in the
Reply from Tom Stone
August 3rd, 2026 05:56 PM
Terry, I'm pleased to hear that I could help you as a first-time buyer by securing the best deals possible. Thank you for sharing your experience with Flat Branch Home Loans!
It was great wir with Tom Stone. He went above and beyond to help my buyers with their loan process and helped them to get to a comfortable payment they could afford. Highly recommended. Thank you!
Reply from Tom Stone
August 17th, 2026 01:08 PM
Ava, I'm grateful for your kind words and recommendation. It's wonderful to hear that I could help your buyers with their loan process and find a comfortable payment solution. Thank you for sharing your experience!
This team did a amazing job very easy to work with and very awesome people
Reply from Tom Stone
July 28th, 2026 12:36 PM
Christopher, I appreciate your positive feedback. I'm happy to hear that you found working with my team to be an easy and pleasant experience. Thank you for your kind words!
Tom was awesome to work with. He kept me very informed throughout the process while also working quickly and effectively. Tom is very knowledgable and I cannot wait for the next opportunity for one of my buyers to go through him.
Reply from Tom Stone
August 17th, 2026 04:52 PM
Eli, I'm pleased to know you found working with me awesome and appreciated the communication throughout the process. I'm grateful for your kind words and look forward to assisting your buyers in the future.
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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
VA Home Loan
Specialities
Conventional Loans
VA Loans
FHA Loans
USDA Loans
Reverse Mortgages
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Memberships
- Certified Mortgage Advisor
- Columbia Rotary South
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2001
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 588863
Hobbies
- Biking
- Traveling
- Spending time with family
Disclaimer
Flat Branch Home Loans is an Equal Housing Lender © 2006 - 2024 A Division of Flat Branch Mortgage Inc NMLS# 224149