About Me
Tom Sellman is a Charlottesville native, having lived, played and volunteered in the area since 1977. Tom has been in the mortgage industry since 2003. He has helped numerous clients purchase their first homes, second homes, and investment properties in his 16 years serving the local community. Tom finds the most joy in refinancing past clients, helping them shave time and money off their loans. He has vast experience with new construction homes and navigates FAM’s many new constructions loan options seamlessly; whether his clients are qualified for conventional or FHA financing or in need of a One-Time Close Construction to Perm option, Tom is sure to aid in the building of your dream home! Tom attributes his successful career to his attention to detail and ability to make life-long relationships with satisfied clients who continue to refer family and friends.
Tom is a member of CARR and the Charlottesville Chamber of Commerce and a dedicated volunteer with the Special Olympics. When Tom is not hard at work for his clients, he enjoy playing tennis, cheering on the Washington Nationals and spending time with dog, Addie, the long hair Weimaraner.
Calculators
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Mortgage Calculator
Using a mortgage calculator can help you calculate monthly payments on a home loan.
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Refinance Calculator
Use our refinance calculator to determine whether the costs of refinancing into a new home loan makes sense for your financial situation.
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Mortgage Affordability Calculator
Use our mortgage affordability calculator to see how much home you can afford.
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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.
$105B+
330+
Loans That I Specialize In
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Jumbo Loan
Jumbo LoanFor homebuyers who need larger loan amounts, these loans feature interest-only, adjustable rate, and fixed rate options.
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USDA Loan
USDA LoanWith no downpayment and no closing cost options, these loans are ideal for homebuyers settling in designated USDA rural areas.
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Frequently Asked Questions
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.
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.
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.
My Office
Charlottesville, VA215 Wayles Lane, Suite 125
Charlottesville, VA 22911 GOOGLE MAPS
Hours of Operation
Monday - Friday - 9 am - 6 pm