Thomas Karmo

Mortgage Advisor NMLS-242392
Thomas Karmo

About Me

A mortgage loan originator since the age of 21, I have always believed you are only as good as your least satisfied client. I quickly realized that what was going to separate me from my peers in this industry was to not only become more educated on the products I provide, but offer a level of service that goes beyond what has been accepted as the “standard” for a mortgage transaction. There is no reason someone should not be able to reach their loan officer directly on the weekend, or after hours. People shouldn’t have to worry about actually receiving the deal they were offered up front or have questions go unanswered on the first call. I work hard to make sure my clients have a experience that is positive enough to refer me to their friends and family.

Thomas Karmo's Reviews

4.8 Star Zillow Rating

Why Finance of America Mortgage?

We’re not about pushing loan papers. We’re about moving your dream forward. And we do that through knowledgeable local advisors, a personal approach, and a variety of smart loan options.

Learn More About Why Finance of America Mortgage?


Consumer Loans Funded


Local Advisor Branches

Frequently Asked Questions

How many properties should I look at?

The total number of properties you may look at will depend on several factors, such as your budget and the housing availability in your area. In general, real estate agents recommend that homebuyers look at several properties before making a decision, but there is not an exact number. Most people look at 10 homes, at a minimum, so they can compare them. However, you may find the dream house with more or fewer searches.

What is the best way to search for homes?

When it comes to the best home buying tips, there are different ways to search for properties. Statistics from the National Association of REALTORS® reveal that 51 percent of buyers searched and found their homes on the internet, while 30 percent used real estate agents. Other ways to search for homes include asking friends, relatives, neighbors and homebuilders for help. A small percentage of homebuyers used newspaper advertisements and yard or open house signs to search for homes.

Should I get pre-approval before making an offer?

Although a pre-approval is not one of the required steps to buying a house, it can certainly help you stand out in a competitive market with many buyers. A pre-approval can show sellers that you’re serious and capable of getting a mortgage, so they may be more likely to accept your offer.

Branch Location Map

My Office

Phoenix, AZ
7250 N. 16th St., Ste 200
Phoenix, AZ 85020