I grew up outside of Philadelphia and graduated from the University of Vermont in 1996. After graduation, I worked several years as a firefighter for the US Forest Service in California. In 2003, I began my career as a Loan Officer and have been full-time ever since. My expert team and I bring more than 100 years of combined lending experience. I have helped hundreds of clients with their home financing needs.
I am dedicated to not just working with you from application to closing, but will continue to service and be your point of contact for any questions or needs long after settlement. I believe in a strong customer service focus. Whether you’re buying or refinancing a home, I have your best interest at heart. Buying a home can be an overwhelming experience, so I believe in having one-on-one meetings with my clients to better educate them on their options.
I feel that a more well-informed client can make the best decisions for their homeownership goals. While not working, I enjoy spending time with my wife and two children in Harford County, MD. Whether fishing on the bay or skiing in western Maryland, I always make time for friends and most importantly my family.
Tom was phenomenal! He crunched numbers for me continuously and was more than willing to explain everything in detail. I would HIGHLY recommend Tom to any potential buyer.shellyann from Dumfries
This was my first time applying for mortgage and honestly I was expecting a bit of a hustle down the road. To my pleasant surprise working with Home Point Financial and Tom Bowen in particular was a breeze. Tom has been there for me every step of the way and was extremely understanding and patient during the whole process.
If you would like professional financial advice and personalized service, Tom is your man!
Tom was there for me from day one. Always there by email or personal cell phone, day or night. I would absolutley recommend Tom and would call upon him again in the future if need be.
He looked up houses and gave me numbers so quick from one end of the map to the other.
I really put him through it but he never stopped being the best that he really is!!
Working with Thomas was a great benefit for us in our home buying process. He was able to answer all questions with little to no delay. He worked very hard to help us get into our first home! Great customer service and availability.Katherine Stack from Dundalk
I cannot recommend Thomas highly enough. Thomas and Chris gave superb customer service and was always available, even on weekends. We got superb serviceCharlieWhite from Mount Airy
Tom was an absolute pleasure to work with. From the first phone call, to the final closing details, Tom provided knowledge, guidance, and industry expertise to make our first home buying experience a seamless one. He was always easy to contact, checked in with us frequently and provided us with an abundance of useful information to help us navigate the process. His entire team showed the same level of dedication and professionalism. We would work with Tom and his team again in a heartbeat!staci from Warrenton
During the home buying process, Tom made all of he horror stories I had heard about seem false. The home buying process with Tom was truly simplified. At any time, day night or weekend, Tom answered and provided loan options with payments for each house that my husband and I were interested in….after making an offer, the process was even easier. Tom was assisted by Chris, and both of them together worked to ensure that we had an easy settlement. My experience with Tom has been delightful and I would utilize Home Point again and again for future needs.dmr from West Gate
Tom did a great job explaining everything to me. He made the process smooth and got me in my house quickly. He’s a good down to earth guy who has your best interests.silasbanner from Harmans
Thomas was wonderful throughout my entire approval process. He was extremely responsive to calls and emails and did a great job explaining the process and options. He worked with my realtor and I throughout the negotiation process to make sure everything went smoothly. The electronic signing process and portal was so easy to use. I highly recommend Thomas and his company!apuffenbarger from Parkton
Tom was excellent help with buying my first home, which was a short sale and took 6 months to be approved through the seller. He hung in there with me and explained everything in great detail which is important when you’re a first time buyer.Carolyn Grover from Baltimore