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Zaine Tomkowski - First Commonwealth Mortgage...

Name: First Commonwealth Bank
Address: 1001 Scalp Ave, Johnstown, Pennsylvania, 15904
Telephone: +1-814-525-8974
Rating: 4.91

AVP/Market Mortgage Loan Originator | NMLS# 160505...

Community PA +1

4.91

(296)

Saint Francis University

Mortgage

Mortgage Loan Officer

Saint Francis University

Contact Info

(814) 525-8974

Johnstown, PA

https://www.fcbanking.com/personal/mortgages/find-a-mortgage-loan-originator/zaine-tomkowski/

Location & Business Hours

Business Hours

Wed

9 AM to 6 PM

Thu

9 AM to 6 PM

Fri

9 AM to 6 PM

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4.91

(296)

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Experience.com

4.9

(279)

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5.0

(17)

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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...

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...

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....

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...

Zaine Tomkowski - First Commonwealth Mortgage has received a review with 5 star rating from Braeden W

Zaine was very knowledgeable and quick to respond to any questions we might have had

Reply from Zaine Tomkowski

August 24th, 2026 02:40 PM

Braeden, I'm glad I could provide the knowledge and quick responses you needed. Your feedback is valued, and I'm happy to have been of assistance.

Not losing the deed to the house an having to push the closing date of the estate back a month. As we where trying to close it to not get a massive tax an such on it.

Zaine was all why there for me and new how to give the right answers in a maner that did not make me feel stubid i would go to him every time for help he is very smart and help full thank you Zaine

Reply from Zaine Tomkowski

August 20th, 2026 05:42 PM

Gregory, I'm grateful for your kind words and am pleased to hear that my approach made you feel comfortable. It's good to know you found my assistance helpful and that you would turn to me for support. Thank you for your trust and appreciation....

Zaine was always very responsive and answered all of my questions. He made the home buying process incredibly easy!

Reply from Zaine Tomkowski

August 19th, 2026 02:32 PM

Camryn, I appreciate your kind words about my responsiveness and ability to answer your questions. It's great to know that I could make the home buying process easy for you. If you have any more questions or need assistance in the future, please...

Zaine was communicative, detailed and responsive

Reply from Zaine Tomkowski

August 6th, 2026 09:28 PM

Cara, I appreciate your feedback on my communication and responsiveness. It's nice to know that my attention to detail was helpful to you. If you have any more questions or need further assistance, feel free to reach out.

Zaine Tomkowski - First Commonwealth Mortgage has received a review with 5 star rating from Isabelle M

10 of 296

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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Education

Saint Francis University

Business

Master of Business Administration (MBA)

Dec 2017 -May 2019

Lock Haven University

Physician Assistant

Bachelor of Science (BS)

Aug 2013 -Dec 2016

Positions

First Commonwealth Bank - Loan Officer Assistant
Feb 13th, 2017 - Nov 1st, 2021
First Commonwealth Bank - Market Mortgage Loan Officer
Nov 2nd, 2021 - Jul 1st, 2024

Memberships