Know before you go. Then move with confidence.
Twenty-five years of mortgage experience, backed by a team with more than 50 years of combined experience — plus access to more than 50 lenders and real-time market data most loan officers don't track. So you know where rates stand before you lock, not after. Service, excellence, and no surprises, from application to close.
Better access. Better timing. Better pricing.
Rates are only half the story. Knowing when to lock is the other half — and that's where most loan officers stop paying attention.
50+ Lender Network
Tom isn't limited to one rate sheet or one set of guidelines — your scenario gets shopped across a network of more than 50 lenders to find the actual best fit.
Volume-Based Preferred Pricing
Origination volume translates into preferred pricing tiers with lenders — pricing many loan officers simply can't reach on their own.
Live Market Data & Lock Timing
Mortgage rates move with mortgage-backed securities, not headlines. Tom tracks live financial market data and the week's economic calendar to know when locking actually makes sense.
Your mortgage isn't a transaction. It's the largest debt you'll carry.
It deserves the same ongoing attention as the rest of your financial picture. Tom tracks your rate, your equity, and the market long after closing — through your Home Report and the same live market data behind every purchase — so when refinancing actually makes sense, you hear it from him, not months late from a headline. When a financial planner or CPA is already part of your picture, Tom coordinates with them too, so a refinance or equity decision supports your broader plan instead of being made on its own.
Your Rate, Watched After Closing
The Home Report and live market data mean Tom knows when your numbers actually change — not just when you happen to ask.
Aligned With Your Financial Team
When a planner or CPA is part of your picture, Tom coordinates with them so your mortgage supports your broader financial goals, not just this transaction.
A Second Opinion, Anytime
Not sure if refinancing makes sense right now? A quick conversation with real numbers beats guessing based on headlines.
Financing built around how your clients actually qualify.
From straightforward conventional loans to income-property and non-traditional documentation, every program is matched to the deal in front of you — not a one-size template.
Conventional & Jumbo
Purchase and refinance financing for primary residences, second homes, and higher loan amounts that exceed conforming limits.
DSCR Loans
Qualify investment properties on rental income, not personal income — built for landlords and portfolio builders.
Wealth Builder HELOC
A first-position, checking-account-style HELOC designed to accelerate payoff while keeping your equity liquid.
FHA, VA & USDA
Lower down-payment and zero-down options for eligible buyers, including rural and veteran-specific programs.
First-Time Homebuyer
Guidance-first financing for buyers navigating the process for the first time, with down-payment assistance options explored.
Credit Rebuild & Re-Entry
A roadmap for borrowers rebuilding after a credit event, with a clear timeline back to qualification.
Fast-Access Home Equity
Through Tom's partnership with Aven, eligible homeowners can access idle equity in as fast as 10 days with competitive, credit-based rates.
See what changes when your loan terms do.
Compare 15-year vs. 30-year, points vs. no points — side by side, with real numbers and a break-even timeline, before you ever talk rates with a lender.
Tom Murphy | Senior Mortgage Advisor
In real estate since 1995. Originating mortgages since 2001.
Tom Murphy brings more than 30 years of real estate experience and 25 years of mortgage lending expertise to every transaction. His background spans construction lending, homebuilder land acquisition, real estate development, and residential mortgage origination—giving him a comprehensive understanding of the financing process from both the borrower and industry perspective.
Throughout his mortgage career, Tom has consistently ranked among the top-producing originators nationally. At Movement Mortgage, he was a President’s Club member and ranked among the top 10% of originators nationwide. Previously, with HomeServices Lending, a Berkshire Hathaway company, he ranked among the top 15% of originators nationally while serving as an in-house lending resource for Berkshire Hathaway HomeServices California Properties agents.
Today, Tom works directly with homebuyers, homeowners, real estate investors, and referral partners, providing personalized guidance from application through closing. His approach is simple: one trusted advisor, one point of contact, and hands-on attention throughout the entire loan process.
Tom holds a B.A. in Economics from the University of Colorado Boulder and is based in Southern California.
Experience & Credentials
- 30+ years in real estate
- 25+ years originating residential mortgages
- Licensed mortgage loan originator since 2001
- Movement Mortgage President’s Club & Top 10% nationally
- HomeServices Lending Top 15% nationally
- Extensive experience in residential, jumbo, investment, construction, and complex financing
- Direct, single point of contact from application through closing
A partnership that keeps you in the loop, and your clients in good hands.
When you refer a client to Tom, they're invited to receive a co-branded Home Report — a monthly newsletter with both your names on it, keeping your brand in front of your past clients long after closing. It's more than a touchpoint: when a client engages with their report, you and Tom both see it, so you're often the first to know when someone might be ready to buy, sell, or refinance again.
Home Report Newsletter
Your past clients receive a monthly report carrying both your names — keeping your brand visible long after the transaction closes, not just at closing.
Know When Clients Are Moving Again
When a client engages with their Home Report, it's visible to both of you — an early signal they may be considering a move, refinance, or investment purchase.
A Smooth Transaction, Start to Finish
Every referral is handled with the same care as your own reputation — clear communication, no surprises, and a confident path to the finish line.
A lending partner who keeps your deal on schedule.
Weekly rate updates, fast pre-approval turnarounds, and a direct line to Tom — built for California agents who need a lender they can rely on to close on time.
What's your home worth today? Find out every month.
Tom's Home Report is a free, interactive monthly email built around your actual address — current value estimate, equity trends, and market activity nearby, refreshed automatically so you're never guessing.
- Updated home value estimate, every month
- Equity and market trend tracking for your address
- Free for homeowners and prospective buyers — no obligation
Takes about 30 seconds. Tom will never sell your information.
Nearby Sales · Monthly Trend
What borrowers ask before reaching out.
Let’s find the right loan for your deal.
Reach out directly or send over your scenario — Tom personally reviews every inquiry.
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