Tom White
Sr Loan Officer NMLS 359308
Tom White (NMLS #359308) is a premier mortgage loan officer and local lending expert in Tampa, Florida. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Tom provides comprehensive home financing s... Show More
Location & Business Hours
Business Hours
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
Tom was wonderful to work with—professional, responsive, and always kept us informed throughout the process. He made the loan process smooth and stress-free, and we truly appreciated his dedication and excellent communication.
Tom was easy to reach, communicative, and took time to make sure we understoof all of our options. I would work with him again!
Reply from Tom White
September 21st, 2026 06:57 PM
Emily, I'm pleased to know that you found me easy to reach and communicative throughout the process. At Embrace Home Loans, we strive to ensure our clients understand all their options, and I'm glad I could assist you in this way. I look forward...
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Tom White has received a review with 5 star rating from Leslie C
Preparation
Reply from Tom White
August 31st, 2026 01:28 PM
Thank you, Leslie, for your generous rating. I'm pleased to know your cash-out refinance experience with Embrace Home Loans went smoothly. If you have any more questions or need further assistance, feel free to reach out.
Tom was incredibly helpful and communicative through the whole process. He helped us get to closing on our first home together, and we couldn't be happier. Thank you so much for all the help, especially when we were out of the country for a...
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Reply from Tom White
August 24th, 2026 03:06 PM
Robert, I'm grateful for your kind words and am so pleased to have been part of your journey to closing on your first home. It's wonderful to know that even with the challenges of being out of the country, everything went smoothly. Thank you...
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Tom is exceptional! He went above and beyond to clearly explain the process and guide us through our house buying journey. He's extremely knowledgable, compassionate, caring and got us a rate that exceeded expectations. He even spent his birthday...
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Reply from Tom White
July 10th, 2026 03:28 PM
Courtney, I'm so glad to hear about your positive experience with me and Embrace Home Loans. It was my pleasure to guide you through the home buying process and ensure everything was clear and manageable. I'm thankful for your kind words and...
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Excellent experience from start to finish! Communication was great and the process was smooth. I highly recommend Tom to anyone looking for a knowledgeable and reliable lender!
I have worked with Tom for many years and always found him to be a person of high integrity and exceptional work ethic. He consistently demonstrates and exercises great judgment in all situations. He consistently knows the best programs for...
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I felt accompanied, supported and informed throughout the entire process. Mr White was very professional, reliable and knowledgeable, and always available when I needed to inquire something. My experience was really great
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Reply from Tom White
May 8th, 2026 12:59 PM
Thank you Laura. I hope you enjoy your new home!
Tom, was direct and consise on information and needs to guide us through the refiance process. We appreciate his work to help us lower our rate as much as possible. He was also efficient with emails as both of us still are working and fully...
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Reply from Tom White
March 5th, 2026 08:55 PM
Your feedback is much appreciated, Ron. I'm glad I could provide clear and concise guidance throughout your refinance process and assist in lowering your rate. I understand how busy work can keep you, so I'm pleased to hear that our communication...
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About
Tom White (NMLS #359308) is a premier mortgage loan officer and local lending expert in Tampa, Florida. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Tom provides comprehensive home financing solutions with Embrace Home Loans. Embrace Home Loans is proud to have Senior Loan Officer, Tom White as a part of the Embrace family. Tom believes a mortgage should be about building relationships, and helping his customers achieve their home financing goals, not just a transaction. As a Senior Loan Officer, Tom takes pride in his team and will always set a great example for his team and clients. Contact Tom today to explore your home loan options and get pre-approved!
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Home Renovation Loan
Fixed Rate Mortgages
Non-QM
Second Mortgages-Bank Statement
Interest-Only Mortgages
Cash-Out Refinances
Investor Mortgages
Specialities
Home Equity Loan
Property Value Certificate (guaranteed value upfront)
Bank Statement Loans
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Positions
- Embrace Home Loans - Senior Loan OfficerApr 1st, 2015 - Current
Memberships
- BNI Platinum Member in Tampa
- MBS Highway
- The Board of Fellowship of Christian Athletes
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1986
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS 359308
Videos
Awards
Top Producer
Achievements
- 3 kids through college
Hobbies
- Golf
- Tennis
- Biking
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Disclaimer
Embrace Home Loans, LLC. is an Equal Housing Lender
Embrace Home Loans, LLC. | NMLS ID # 2184
25 Enterprise Center | Middletown, RI 02842 | Toll Free: 833-242-5820
©2024 All Rights Reserved
NMLS Consumer Access: http://www.nmlsconsumeraccess.org
Licensing | Privacy | Contact Us
Embrace Home Loans, Inc. NMLS ID # 2184 is licensed in AL, AZ (Lic.#BK-0906375), AR, CA Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, CO (Lic.#096162) Regulated by the Division of Real Estate, CT, Licensed by the Delaware State Bank Commissioner to engage in business in Delaware (Lic.#7317, Exp.12/31/2017), DC, FL, GA (Lic.#12848), ID, Illinois Residential Mortgage Licensee, IN, IA, KS, Supervised Lender Licensee (#SL0000625), KY, LA, ME, MD, MA Mortgage Lender & Mortgage Broker (Lic.#MC2184), MI, MN, Mississippi Licensed Mortgage Company, MO, NE, Licensed by the New Hampshire Banking Department, Licensed by the New Jersey Department of Banking and Insurance, NM, NY Licensed Mortgage Banker - NYS Department of Financial Services, NC, ND, OH, OK, OR (Lic.#ML322), PA, Rhode Island Licensed Mortgage Lender and Mortgage Broker, SC, SD, TN, TX, UT, VA, WA, WV, WI.