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Zaine Tomkowski - First Commonwealth Mortgage...
AVP/Market Mortgage Loan Originator | NMLS# 160505...


Saint Francis University
Zaine has been at First Commonwealth since 2017, previously serving as an assistant to a Senior Loan Originator with over 20 years of mortgage industry knowledge. While providing exceptional support to his team, Zaine obtained a MBA from St...... Show More
Location & Business Hours
Business Hours
Tues
9 AM to 6 PM
Wed
9 AM to 6 PM
Thu
9 AM to 6 PM
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Reviews from Web
Zaine was incredible to work with throughout the entire process. I shopped around a lot when I was looking for a mortgage company, and he exceeded my expectations in every way. He was easy to talk to and made what can be an intimidating experience...
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Reply from Zaine Tomkowski
February 9th, 2026 06:51 PM
I appreciate your kind words, Faith. It's wonderful to hear that I could make the mortgage process feel less daunting and more manageable for you as a first-time homebuyer. Providing timely answers and support is important to me, and I'm glad...
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Zaine always goes above and beyond for his customers, working all hours of the day, including weekends to get work done. His hard work was much appreciated. He is responsive, helpful, and overall a great person to work with. Thanks for everything....
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Speaking from someone that had spent 10 years in national sales and customer service, Zaine was great to work with. He always responded quickly and with excellent customer service. Well spoken, friendly, communicated well without overcomplicating...
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Zaine was very kind and helpful throughout the entire process. Aany question i ever had, he responded timely and offered support when needed .
Very helpful, kind, and kept in communication with me so I was aware of everything I needed to know. Made the loan process easy!
Very helpful, kind, and kept in communication with me so I was aware of everything I needed to know.
Reply from Zaine Tomkowski
June 6th, 2026 02:11 PM
I'm grateful for your kind words, Jenna. It's nice to know that the communication was helpful and kept you informed throughout the process. If you ever have more questions or need assistance, feel free to reach out.
Zaine Tomkowski - First Commonwealth Mortgage has received a review with 5 star rating from Natalie Y
Zaine was quick and efficient. Very smooth and well communicated process.
Reply from Zaine Tomkowski
June 3rd, 2026 03:35 PM
I'm pleased to hear that you found the process smooth and well-communicated, Natalie. Your feedback on the efficiency is truly appreciated. If you need any further assistance, I'm here to help.
The regular communication was great and helpful, it made this process smooth!
Reply from Zaine Tomkowski
May 11th, 2026 03:45 PM
I'm happy to hear that the regular communication helped make the process smooth for you, Joan. If you have any more questions or need assistance in the future, please don't hesitate to reach out.
The whole process is very confusing when you don't do this everyday. But Zaine
Reply from Zaine Tomkowski
May 8th, 2026 01:10 PM
I appreciate your feedback, Cynthia. I'm glad I could assist you through the process and help make it less confusing. If you have any more questions or need further clarification, please feel free to reach out.
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About
Zaine has been at First Commonwealth since 2017, previously serving as an assistant to a Senior Loan Originator with over 20 years of mortgage industry knowledge. While providing exceptional support to his team, Zaine obtained a MBA from St. Francis to position himself to provide even better expertise to his team and his customers. Zaine supports customers in Cambria, Somerset, Jefferson, Clearfield and Allegheny counties for any mortgage needs, including FHA, Conventional, Construction, VA, and USDA financing options. Zaine is extremely passionate about customer service and providing a smooth process for every customer.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Construction Loan
Bridge Loans
Medical Professional Mortgages
Fixed Rate Mortgages
Adjustable Rate Mortgages
USDA Loans
Qualified Mortgage Pre-Approvals
Specialities
First Time Homebuyer Programs
Construction Loans
Bridge Loans
Medical Professional Mortgages
Fixed Rate Mortgages
Adjustable Rate Mortgages
FHA Loans
VA Loans
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743
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Education
- Saint Francis UniversityBusinessMaster of Business Administration (MBA)Dec 2017 -May 2019

- Lock Haven UniversityPhysician AssistantBachelor of Science (BS)Aug 2013 -Dec 2016

Positions
- First Commonwealth Bank - Loan Officer AssistantFeb 13th, 2017 - Nov 1st, 2021
- First Commonwealth Bank - Market Mortgage Loan OfficerNov 2nd, 2021 - Jul 1st, 2024
Memberships
- CSAR
- NMLS
- Windber Country Club
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Addresses and Serving Areas
Year Started
2017
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 1605058
Awards
Scotsman Award Win...
Achievements
- Scotmans Award Winner
Hobbies
- Sports
- Lifting
- Exercise
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Disclaimer
First Commonwealth Mortgage NMLS # 479240 | Individual NMLS # 1605058