Niche Home Loan Programs With Tom

Niche Home Loan Programs With Tom Finance your home with the best in the business and enjoy our award winning customer service

Homeowners and future homeowners: Finance your home with the best in the business and enjoy our award winning customer service and industry low rates.

09/16/2026

Thinking about asking the seller for a discount?

$25k off an $800k house? That barely moves your payment (~$135–160/mo).

Ask them to put that $25k toward a rate buydown instead.

Permanent: a few hundred off every month.
Temporary 2-1: closer to $880/mo in year one.

Same seller dollars. Completely different payment.

09/13/2026

Ryno’s changed pizza forever in San Clemente. We don’t deserve you!

Get your f***y over to Ryno’s Pizza | NYC Style Pizza | San Clemente and order yourself a hot honey pep!

09/10/2026

Considering a HELOC?

Here are 3 reasons homeowners may explore one… plus a bonus reason:

1. Access funds for home improvements or major expenses.

2. Use available equity without refinancing your existing mortgage.

3. Enjoy flexible borrowing by accessing funds as needed.

4. Bonus: A HELOC may offer a lower interest rate than credit cards or other unsecured loans, potentially helping consolidate higher-interest consumer debt.

Your home equity may be one of your most valuable financial resources. Want to see how much equity you may be able to access?

Send me a message or comment “HELOC” to start the conversation.

The property-tax twist most people miss.You might be able to take your low tax base with you.Up to 3 times.DM me or visi...
09/03/2026

The property-tax twist most people miss.

You might be able to take your low tax base with you.

Up to 3 times.

DM me or visit tomjessop.com

Prop 19 in 10 seconds:55+? You can move and keep your low tax base.Leaving the house to your kids? They may keep it too....
09/03/2026

Prop 19 in 10 seconds:
55+? You can move and keep your low tax base.
Leaving the house to your kids? They may keep it too... if they live there.
Have questions about a move or refinance?
Send me a message.

09/01/2026

✋⭐️ Smooth process. Clear communication. Follow-through.

That’s the goal every single time. Thanks for the kind words, Lucia 🙌

Need a lender you can count on? Reach out anytime.

08/28/2026

Ever wonder why loan pricing can vary? 🧐

Mortgage rates are currently hovering in the mid-6% range, with the national average 30-year fixed rate around 6.67%. 📈🏡

BUT…

Your actual offered rate can differ based on:

• Credit score and debt-to-income ratio
• Down payment and loan amount
• Conventional vs. FHA, Jumbo, Non QM, or VA financing
• Whether you pay discount points
• Home location and lender fees

The APR is usually a better apples-to-apples comparison because it incorporates certain upfront loan costs, while the interest rate determines the principal-and-interest portion of your monthly payment.

If you’re thinking about buying or refinancing, now is a great time to review your options.

⭐️ ⭐️ ⭐️ ⭐️ ⭐️ Another five-star review! It’s always a privilege to partner with professionals who put their clients fir...
08/25/2026

⭐️ ⭐️ ⭐️ ⭐️ ⭐️ Another five-star review!

It’s always a privilege to partner with professionals who put their clients first. Fast communication, smooth closings, and exceptional care; it’s my love language.

Grateful for the trust and the opportunity to help more families win!

08/23/2026

Pay half your mortgage payment every two weeks, and you’ll make the equivalent of one extra full payment each year.

That simple shift could shave roughly 4–6 years off a 30-year loan. 🏡💡

08/21/2026

Grateful for my clients ⭐⭐⭐⭐⭐

Hearing that the process felt easy, the terms were clear, and the close came with little stress is exactly why I do this.

If you’re buying or refinancing and want someone who actually takes the time to get it right, let’s talk.

949-285-0660 | tomjessop.com

Address

224 Avenida Del Mar, Suite E
San Clemente, CA
92672

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 6pm

Telephone

+19492660143

Website

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