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Hello,
I'm Heath Thomas Jr
Loan Officer

NMLS#: 2221095

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Heath Thomas Jr
Hello, welcome to my page.

Heath is a seasoned loan officer who brings a unique perspective to the mortgage industry. His career began in employee benefits consulting, where he spent several years helping businesses design and implement comprehensive benefits packages for their workforce.

This background in consulting refined his ability to analyze complex financial situations and communicate effectively with clients from diverse backgrounds. These skills proved invaluable when he transitioned into mortgage lending, allowing him to provide nuanced, client-focused solutions in his new role.

Heath is proficient in Conventional, FHA, VA, investment and renovation financing. His diverse professional background allows him to approach each client’s needs holistically, considering not just their immediate borrowing requirements but their overall financial picture.

Heath’s expertise in explaining complex concepts, enables him to guide clients through the intricacies of the mortgage process with clarity and patience. He takes pride in helping clients make informed decisions that align with their long-term financial goals.

Outside of work, you can find him walking his dog, Bear, around Annapolis.

All-in-One Solution

Our Loan Process...

PRE-APPROVAL

A loan pre-approval sets you up for a smooth home buying experience.

SHOP

Start working with a real estate agent and viewing homes.

LOAN APPLICATION

A few documents are needed to get a loan file through underwriting.

LOAN PROCESSING

Assemble all the necessary paperwork and details for the underwriter.

UNDERWRITING

They closely evaluate all the documentation in the loan package.

CLOSING

Documents are drawn and sent to the title company for closing.

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