About Tom Balk
Tom Balk is an experienced professional in the mortgage industry with a background in finance and accounting. He holds an MBA from UC Berkeley and has worked as a Certified Public Accountant (CPA). Tom has been in the mortgage business for over 34 years. Until 2018, Tom worked as a Mortgage Broker, assisting clients in finding suitable loan structures. In 2018, he joined a bank, where he worked for 5 years. However, he found that the "Big Bank" mentality limited his ability to offer clients a wide range of products and options. Tom decided to return to being a Mortgage Broker because it provides him with greater product flexibility to meet his clients' specific needs. Over the course of his career, he has helped more than 900 families purchase homes, and his business primarily relies on referrals from satisfied customers. One of Tom's strengths is his ability to analyze and put together numbers to create optimal loan structures. He can leverage his experience and connections to go directly to Fannie Mae or Freddie Mac for the best prices. Additionally, if a client's requirements fall outside the standard options, Tom can search through his many approved sources to find alternative solutions. Tom takes pride in his dedication to client satisfaction and provides personalized service by personally returning calls and emails and addressing any questions clients may have. He emphasizes competitive interest rates and assures clients that he will be there for them throughout the process. In summary, Tom Balk is an experienced Mortgage Broker with extensive knowledge and expertise in the industry. He offers a wide range of loan options, personalized service, and a commitment to providing the best solutions for his clients.
*This is a loan product referral and not offered by OriginPoint.
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Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. OriginPoint LLC cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact OriginPoint LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. OriginPoint LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by OriginPoint LLC. OriginPoint LLC its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 2603 Camino Ramon, Suite 200 Office 2153 San Ramon CA, 94583
