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Tom Kowalchik Headshot

Tom Kowalchik

NMLS#: 131346

Phone: (717) 842-0731

Hello, welcome to my page.

Tom is a seasoned mortgage professional with over two decades of experience in the industry, has been helping families and individuals secure the financing they need to achieve their dreams of homeownership since 1999. With a strong commitment to personalized service, attention to detail, and a deep understanding of the mortgage market, Tom has established a reputation as a trusted and knowledgeable resource for all of his clients’ mortgage needs.

Throughout Tom’s career, he has successfully helped thousands of clients navigate the complex mortgage landscape, providing expert guidance and innovative solutions to meet their unique needs and financial goals. Whether working with first-time homebuyers, experienced homeowners, or investors, Tom takes a customized approach to each transaction, ensuring that every client receives the attention, education and support they deserve.

Tom’s commitment to his clients goes beyond simply helping them secure the best mortgage terms and rates. He takes the time to educate his clients about the mortgage process and helps them understand the various options available to them, empowering them to make informed decisions about their financial future. This approach has earned Tom a loyal following of satisfied clients who trust him to guide them through every step of the mortgage process.

With a wealth of experience, a passion for helping others, and a commitment to providing the highest level of customer service, Tom is the ideal choice for anyone looking to secure the best mortgage financing available. Contact Tom today to learn more about how he can help you achieve your homeownership dreams!

All-in-One Solution

Our Loan Process...


A loan pre-approval sets you up for a smooth home buying experience.


Start working with a real estate agent and viewing homes.


A few documents are needed to get a loan file through underwriting.


Assemble all the necessary paperwork and details for the underwriter.


They closely evaluate all the documentation in the loan package.


Documents are drawn and sent to the title company for closing.

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