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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)
Courtney V. from Lutz, FL
Completed transaction in July 05, 2026
Tom is exceptional! He went above and beyond to clearly explain the process and guide us through our house buying journey. He's extremely knowledgable, compassionate, caring and got us a rate that exceeded expectations. He even spent his birthday at our closing! We are so grateful to have the privilege to work with Tom and Embrace.
5 (5 stars)
Tina Jolly .
Completed transaction in July 02, 2026
Excellent experience from start to finish! Communication was great and the process was smooth. I highly recommend Tom to anyone looking for a knowledgeable and reliable lender!
5 (5 stars)
Tina J. from Lutz, FL
Completed transaction in July 02, 2026
Excellent experience from start to finish! Communication was great and the process was smooth. I highly recommend Tom to anyone looking for a knowledgeable and reliable lender!
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
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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 (193 Reviews)
