Tom Halfpap
Branch Manager | NMLS # 203175
Putting customers first is Tom’s priority. Since 1987, Tom has guided his customers through the mortgage process, listening to their needs and providing straightforward advice. Buying a home is a major financial investment, and Tom’s experi...... Show More
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The honesty and straight forward advice made it an outstanding
Reply from Tom Halfpap
May 22nd, 2026 02:51 PM
Devon, I appreciate your feedback on the honesty and straightforward advice you received. I'm glad to hear that your experience was positive, and I'm grateful for the opportunity to assist you. If you ever have more questions or need further...
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Buying a house can be stressful with lots of bumps in the road. Because of Tom, the mortgage process was flawless. He is a true professional and a joy to work with!
Reply from Tom Halfpap
April 27th, 2026 03:24 PM
Jim, I'm grateful for your kind words. I'm so pleased that I could help make the mortgage process smooth for you. It was an absolute pleasure working with you again.
The mortgage experience was made super easy and efficient with Tom as our broker. If any issue arose, he quickly reached out and took care of every deal. He is a very proactive and knowledgeable broker! Love him.
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Reply from Tom Halfpap
April 27th, 2026 03:30 PM
I'm grateful for your positive feedback, Toni. It's wonderful to know that you found the process easy and efficient. Thank you for trusting me as your lender!
Tom was great to work with. Thanks
Reply from Tom Halfpap
April 16th, 2026 02:43 PM
I'm grateful for your kind words, Ranny...very much appreciated!!! It was a pleasure working with you and Ulrike. I'm happy to hear that you had a great experience working with me. If you need any assistance in the future, please feel free...
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Tom was always available to explain or clairfy anything I did not understand. He is very quick to respond and thorough in his explanation. This made the mortgage experience less daunting, resulting in a swift closing!
Reply from Tom Halfpap
February 11th, 2026 03:18 PM
I'm pleased to know you found my efforts in explaining and clarifying helpful. Ensuring the mortgage process feels less daunting is important to me, and I'm glad it led to a swift closing. If you have any other questions or need further assistance,...
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Met the deadline of closing date. For the most part, kept me informed at each step of the process. However, I did have some surprises and clarifications that I should not have had to ask about. I.E. what the penalty would be if we pay off the...
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Reply from Tom Halfpap
November 14th, 2025 08:56 PM
Thank you for sharing your thoughts, Bill. Meeting your closing date was a priority, and I'm pleased we were able to achieve that. I understand that having surprises during the process isn't ideal, and I appreciate your feedback regarding communication....
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I have been using Tom at FitzGerald Financial for over 6 years. He has never asked for an extension, and has never missed a closing. My clients love Tom because he's easy to talk to, and has a vast wealth of knowledge. I will never use anyone...
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Reply from Owner
November 3rd, 2025 02:19 PM
Thank you for your loyalty and for sharing your experience of working with me over the years. I'm pleased to hear that you and your clients find comfort in the process and appreciate my approach. It's always important to me to ensure everything...
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Tom was in constant communication and generally made the process as straightforward for us as possible. He even called a listing agent on our behalf to assure her that we were serious buyers and had a loan secured, which is well beyond what...
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Reply from Tom Halfpap
August 29th, 2025 04:23 PM
Glenn, thank you for sharing your experience. I'm truly pleased to hear that I could make the process straightforward for you. It's always my aim to ensure that clients feel supported every step of the way. Reaching out to the listing agent...
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Tom was in constant communication and generally made the process as straightforward for us as possible. He even called a listing agent on our behalf to assure her that we were serious buyers and had a loan secured, which is well beyond what...
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You made it very easy
Reply from Tom Halfpap
August 23rd, 2025 11:15 AM
I'm glad to hear that the process felt easy for you, Jeffrey. Making the experience smooth and straightforward is always my aim. If there's anything else you need or any questions you have, please feel free to reach out anytime. Congratulations...
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About
Putting customers first is Tom’s priority. Since 1987, Tom has guided his customers through the mortgage process, listening to their needs and providing straightforward advice. Buying a home is a major financial investment, and Tom’s experience ensures you make the best choice and close your loan on time without surprises. Whether buying your first home, building a dream home, or refinancing, Tom offers unsurpassed service and attention. Trust a proven mortgage professional. Tom’s goal is to be your mortgage advisor for life.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Specialities
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Adjustable-Rate Mortgages (ARMs)
Fixed-Rate Mortgages
Reverse Mortgages
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Search Rank ScoreLearn More →
441
/850
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Positions
- TowneBank Mortgage (Formerly Monarch Mortgage) - Branch ManagerAug 1st, 2010 - Current
Addresses and Serving Areas
Year Started
1987
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS # 203175
Disclaimer
FitzGerald Financial Group is an Equal Housing Lender. NMLS # 512138.
FitzGerald Financial Group is your hometown mortgage company. As a division of TowneBank, we uphold the principles and philosophies that have been established by our hometown traditions. FitzGerald Financial Group is dedicated to providing the personal experience that you expect from a hometown lender with the most advanced technology available to offer affordable loans, quick processing and exceptional service.
Being a hometown lender means fast approval and a team of mortgage professionals who are committed to you. FitzGerald Financial Group loan officers live in your communities and know the area.
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