Tom White

Name: Embrace Home Loans
Address: 1408 N Westshore Blvd ste 706, Tampa, Florida, 33607
Telephone: +1-813-240-7209
Rating: 4.93

Sr Loan Officer NMLS 359308

Embrace Home Loans - Tampa, FL

4.93

(196)

Mortgage

Mortgage Loan Officer

Contact Info

(813) 240-7209

Tampa, FL

https://www.embracehomeloans.com/location/florida/tampa/tom-white?utm_medium=organic&utm_source=google&utm_campaign=GMB

Location & Business Hours

Business Hours

Fri

9 AM to 5 PM

Sat

closed

Sun

closed

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4.93

(196)

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4.93

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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...

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...

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...

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...

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

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...

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...

Tom was very helpful with any questions I had. He also was available on the weekends if I was approaching a deadline for when documents needed to be submitted. Very helpful!

Reply from Tom White

January 19th, 2026 03:57 PM

Thank you Bradley. Working with you and your Father was a joy.

He was very personable, communicative, and knowledable.

Reply from Tom White

January 19th, 2026 03:58 PM

Thank you Jacqueline. Working with you and your clients is a joy!

Tom was great to work with throughout the mortgage process. He answered all my questions and worked to get me a low rate. Millie was also very good to work with. She made sure all documents were in place and kept me organized and informed....

Reply from Tom White

January 2nd, 2026 05:26 PM

It's great to hear that your experience with the mortgage process was positive, Beverly. I’m glad I could assist with your questions and secure a low rate for you. It's also wonderful to know Millie's support was valuable in keeping everything...

Tom made everything incredibly easy for us and explained everything to us with ease. He is very detail oriented and easy to work with . this is the second time we have used Tom's services and were were extremely pleased.

Reply from Tom White

November 26th, 2025 03:21 PM

I'm pleased to know that the process was smooth and clear for you. It means a lot to hear that the details were handled to your satisfaction, and that working with me has been a positive experience both times. Your continued trust in my services...

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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 Officer
Apr 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

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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.