A LITTLE ABOUT ME
I started my career in the mortgage industry back in 2000, and over the years, I've had the opportunity to work across nearly every area of the business - from retail to wholesale and correspondent lending. Those early years gave me a deep understanding of how the mortgage process works from the inside out, and more importantly, how to guide clients through it with clarity and confidence.
In 2012, I founded Cal Loans Direct with a simple mission: to make home financing more transparent, more efficient, and more client-focused. I wanted to build a company that didn't just close loans - but helped people make smart, long-term financial decisions around homeownership. Since then, Cal Loans Direct has grown into a trusted resource for borrowers looking for competitive rates, flat-fee options, and a straightforward, no-nonsense approach to lending.
What drives me is helping people succeed - whether it's buying their first home, refinancing to save money, or building long-term wealth through real estate. With more than two decades in the business, I bring experience, integrity, and a hands-on approach to every client relationship. My goal is to make the loan process as smooth, transparent, and empowering as possible.
O: 800-560-1906 Ext.700
C: 949-291-0080
E: tom@cal-loansdirect.com