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https://www.embracehomeloans.com/location/florida/tampa/tom-white
Producing Sales Manager NMLS# 359308
Tom White is a trusted mortgage professional in Tampa, FL 33607
Embrace Home Loans is proud to have Senior Loan Officer, Tom White as a part of the Embrace family. Tom believes a mortgage should be about building relationships, and helping his customers achieve their home financing goals, not just a transaction. As a Senior Loan Officer, Tom takes pride in h...
5 (5 stars)
Martha T. from Odessa, FL
Completed transaction in May 15, 2026
I have worked with Tom for many years and always found him to be a person of high integrity and exceptional work ethic. He consistently demonstrates and exercises great judgment in all situations. He consistently knows the best programs for all clients and always possesses a genuine commitment to excellence. Tom's professional and interpersonal skills cannot be matched; Tom always uniquely stands out far above his competition.
5 (5 stars)
Laura A. from Odessa, FL
Completed transaction in May 08, 2026
I felt accompanied, supported and informed throughout the entire process. Mr White was very professional, reliable and knowledgeable, and always available when I needed to inquire something. My experience was really great
5 (5 stars)
Ronald H. from Tarpon Springs, FL
Completed transaction in March 03, 2026
Tom, was direct and consise on information and needs to guide us through the refiance process. We appreciate his work to help us lower our rate as much as possible. He was also efficient with emails as both of us still are working and fully engrossed in our work to gather all of the information he needed through the process.
5 (5 stars)
Bradley S. from Lutz, FL
Completed transaction in January 16, 2026
Tom was very helpful with any questions I had. He also was available on the weekends if I was approaching a deadline for when documents needed to be submitted. Very helpful!
5 (5 stars)
Jacqueline T. from Tampa, FL
Completed transaction in January 15, 2026
He was very personable, communicative, and knowledable.
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Explore your options and take advantage of your mortgage opportunities
APPLY NOWYes. Tom White can help you explore low and no down payment options, including FHA, VA, USDA, and exclusive Embrace programs. You may also qualify for local or state assistance depending on your income and location.
Getting pre-approved is simple. You can apply online, schedule a call, or meet with Tom White at our Tampa branch. We’ll review your income, credit, and homebuying goals, then issue a personalized pre-approval letter. Many buyers choose Embrace’s exclusive Approved to Move program, which goes beyond standard pre-approval by fully underwriting your loan upfront.
Embrace Home Loans is a trusted mortgage lender serving Tampa and nearby communities. Our local loan officers offer personalized guidance, competitive rates, and exclusive loan programs designed to support homebuyers from pre-approval through closing. Whether you're a first-time buyer or refinancing, Tom White is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Tom White will help you compare fixed vs. adjustable rates, down payment requirements, and loan terms and guide you toward the best fit for your situation, whether you're buying your first home or your fifth.
The best mortgage depends on your credit, income, and long-term financial plans. Government-backed loans often offer flexible guidelines, while conventional loans may offer lower rates and reduced fees. Tom White will walk you through your options and help you find the right fit.
4.93 (190 Reviews)
