About Tom Balk
With 35 years of experience as a licensed mortgage broker and a background as a Certified Public Accountant, I bring a level of financial precision to home lending that most lenders simply can't match. I hold an MBA from UC Berkeley and have spent my career helping California homeowners and buyers navigate every type of mortgage, across the San Francisco Bay Area and Northern California. I work with a full spectrum of loan products to match every borrower's situation: * +first-time homebuyer exploring FHA or VA loans +high-value buyer in need of jumbo financing, +real estate investor looking for DSCR loans, +someone who doesn't fit the traditional lending mold and needs a portfolio or non-QM solution I have the experience and the options to get your deal done. One of my specialties is helping homeowners buy their next home before selling their current one, without the high costs and restrictive timelines of a traditional bridge loan. I offer structured financing solutions that give you the flexibility to move on your terms, securing your new home while your current one is still on the market. I understand that homebuying doesn't happen on a 9-to-5 schedule, which is why I'm available evenings and weekends whenever you need answers. With 35 years in the California mortgage market, I've seen almost every scenario, and I know how to get deals done, even the complicated ones.
