Zaine Tomkowski - First Commonwealth Mortgage 's Cover Image

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Zaine Tomkowski - First Commonwealth Mortgage...

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

Community PA +1

4.9

(307)

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/

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Business Hours

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9 AM to 5 PM

Sat

closed

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closed

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4.9

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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....

Working with Zaine made my home buying experience so amazing. The way he would follow up and was always there for any questions I would have was top notch. I will always highly reccomend him to any friends or family.

Reply from Zaine Tomkowski - First Commonwealt...

January 14th, 2026 04:47 PM

I'm pleased to know that your home buying experience was positive with my assistance, Sage. Providing consistent support and answering your questions thoughtfully is something I greatly value. Thank you for your recommendation to friends and...

Zaine explained everything thorougly and kept us informed ar at every step. He answered all of our questions and made the home buying process easier than I thought it would be.

Reply from Zaine Tomkowski

January 6th, 2026 03:50 PM

I'm grateful to hear that my efforts to explain each detail thoroughly and keep you informed throughout the process made a positive difference for you, Chelsie. It's important to me that all your questions were addressed and that the home-buying...

Easy to work with

Reply from Zaine Tomkowski

December 31st, 2025 04:52 PM

Thank you for your feedback. I'm glad to know that working together was easy for you. If you have any other thoughts or need assistance in the future, please feel free to reach out.

Zaine was awesome to work with from start to finish! He was very communicative, knowledgeable, and very detail oriented . The entire process was much easier and we were confident the entire process . I would definitely recommend Zaine to anyone...

Reply from Zaine Tomkowski

December 24th, 2025 09:19 PM

I appreciate your kind words, Alina. It was a pleasure working with you throughout the process. I'm glad to hear that my communication and attention to detail made your experience smoother and more confident. If there's anything else I can...

Just felt that there was a lot of overkill on what was needed to borrow 100K when I make a very decent wage, had no debt and put down a nice down payment but I do understand that most of the frustration was due to the rules and regs from the...

Reply from Zaine Tomkowski

December 22nd, 2025 04:28 PM

I appreciate your understanding and patience with the requirements, Steven. Navigating the underwriting rules can indeed be challenging, but I’m glad I could provide clear communication and support throughout your mortgage process. If you have...

Felt there was excessive information gathered for my financial situation.Should not have to disclose every little detail to obtain a mortgage.

Reply from Zaine Tomkowski

December 10th, 2025 03:14 PM

I understand your concerns about the information-gathering process, Dale. It’s a necessary part of securing a mortgage, but I know it can feel overwhelming at times. If you have more questions or need clarification on anything, feel free to...

Excellent communication and quickly answering any all questions!!

Reply from Zaine Tomkowski

November 11th, 2025 05:28 PM

I'm glad to hear that you valued the communication and responsiveness, Brian. It’s important to me to provide clear and timely information throughout the process. If there’s anything else you need, don't hesitate to reach out.

Great Communication. Very Knowlegable. Made the entire process very smooth and easy.

Reply from Zaine Tomkowski

November 10th, 2025 05:31 PM

Thank you, Michael, for sharing your experience. I'm pleased to hear that the communication and process worked smoothly for you. If there's anything else I can assist you with, feel free to get in touch.

Zaine was always available to answer any question I asked

Reply from Zaine Tomkowski

October 30th, 2025 01:15 PM

I appreciate your feedback, Kathy. Being accessible to answer any questions is important to me, and I'm glad that my availability was helpful for you. If you have more questions or need further assistance, feel free to reach out anytime.

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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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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