One Sansome St, Suite 1895
San Francisco, CA 94104
Tom Barnes
Senior Loan Advisor
NMLS ID: 1025428
If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.
Apply Now Contact meAbout Tom Barnes
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Tom has been working in the real estate and financing fields for over 17 years. In initial meetings he takes his clients through the entire financing process so they know what to expect and how much it will cost. He runs analyses to make sure clients understand how their home financing fits into their entire financial life. During these meetings, he explores all options available to help clients purchase their new home. He enjoys working as a team with his clients and their Realtors to make sure escrow timelines are met and that the transactions flow as smoothly as possible. His goal is to build lifelong relationships with his clients so he can assist them with future financing as their life situations change.
Prior to becoming a Loan Advisor, Tom worked for ten years as a loan processor. This has given him the skills needed to package loans to ensure that they flow smoothly through the entire financing process. Before that he spent two years as a real estate escrow administrator, giving him valuable insight into all facets of real estate transactions.
Tom studied Economics (Bachelor of Science) and German (Bachelor of Arts) at the University of Minnesota.
Having lived in the Hayes Valley neighborhood of San Francisco for over twenty years, Tom is proud to be part of the Flagstar team helping clients with their home financing in the unique San Francisco market
Mortgage Specialization
- Jumbo Loans
Languages Spoken
- English
Client Testimonials
Hear what my previous clients have to say about my work.
Andrew W.
“I've been through property purchases and refinances. I've never worked with anybody as amazing as Thomas. I've always wondered why purchasing and refinancing is a painful experience. Thomas is the best mortgage advisor I've ever worked with.”
Why Flagstar
Why choose Flagstar? Because we’re powered by our Human Interest Rate – the interest in our customers that powers mortgage solutions built around their unique needs.
What to Expect
We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.
Please select your lending process
STEP 1
Pre-qualify & Gather Financials
Submit your financial information and we’ll give you a personalized estimate for your loan.
STEP 2
Pre-approval
Once you’re pre-approved, we’ll coordinate with the escrow or title company.1
STEP 3
Loan Review
Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.
STEP 4
Loan Approval
Once our underwriters approve your loan, we'll get you ready for closing.
STEP 5
Close & Receive Your Funds
We’ll close your loan and wire your funds into escrow so you can complete your home purchase.
1A preapproval is an initial determination of an applicant's ability to borrow up to a certain amount. It is based upon certain assumptions resulting from an initial review of incomplete credit information criteria. A preapproval is not an approval of a completed application nor is it a commitment to lend or a guarantee of any particular loan product, features or terms. Final loan approval follows a comprehensive analysis of an applicant's creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions and property acceptability and eligibility.
STEP 1
Loan Application
Complete a loan application online, and submit the necessary financial documents.
STEP 2
Appraisal
We'll conduct an appraisal of your property to determine its current value.
STEP 3
Underwriting Approval
Once our underwriters approve your loan, we'll get you ready for closing.
STEP 4
Loan Signing & Funding
We'll close your loan and wire your funds into escrow so you can access your funds.
Financial Calculators
If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.
Tom Barnes
Senior Loan Advisor
NMLS ID: 1025428
If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.
Apply Now Contact meOne Sansome St, Suite 1895
San Francisco, CA 94104
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Tom Barnes
Senior Loan Advisor
NMLS ID: 1025428