Delaware Mortgage Loan Officer John Thomas works for Primary Residential Mortgage, Inc. in Newark, Delaware as an Originating Branch Manager. Primary Residential Mortgage, Inc. is a Delaware mortgage lender that is a direct lender and mortgage servicer. We can find you the best mortgage interest rate because we have the best of both worlds, being mortgage bank and a mortgage broker. John Thomas is licensed to lend in Delaware, Maryland, Virginia, Pennsylvania, and New Jersey. Call 302-703-0727 to apply for a mortgage loan or APPLY ONLINE.
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Why Choose John Thomas as Your Mortgage Loan Officer?
John Thomas has consistently been a top producing loan officer for the past 10 years and ranked nationally for production. He is also the author of two books, Your Guide to Buying Your First Home in Delaware and Your Guide to Buying Your First Home in Maryland. John Thomas is a recognized mortgage trainer and industry speaker.
You are More Then Your Credit Score
John Thomas provides believes each client is more than just their credit score. Many mortgage lenders automatically reject borrowers with credit scores under 640. At the John Thomas Team every borrower has a face, name, and a story, so we look at the whole picture
No Application Fee or Upfront Fees
We only fund loans that make sense. Because our loans have a strong foundation we don’t need to nickel and dime you along the way.
Responsive
John Thomas and his team has created a loan scenarios department that allows us to give you, the client, a definitive answer on a loan within 24hours.
Accessible
John Thomas and his team know you’re busy, so we are flexible and work to accommodate morning, evening and weekend applications & Communication. We are open on Saturday and have our Weekend Warrior Program to always be available.
Diverse Mortgage Portfolio
Delaware Mortgage Loan Officer John Thomas has access to 300 different mortgage loan programs to fit a variety of needs. Sometimes the more complex the loan, the more we shine!
Proficiency
All paperwork, communication, and underwriting happens locally; thus saving time, work and stress and significantly reducing the processing time on our loans.
Solid Pre-Approvals
In a competitive market a strong pre-approval letter can be the difference between your offer being accepted or denied by the seller. We hear time and time again that our pre-approval letters carry a lot of weight in the market. Our pre-approvals are a direct correlation to our reputation of doing great business.
Local
John Thomas is your local Delaware Mortgage Loan Officer and listing agents prefer to work with a local loan officer that is available which gives you a leg up on the competition.
Open Communication
Tuesday Status Update Day Every Tuesday at Primary Residential Mortgage with the John Thomas Team. We update clients and agents on both sides of the deal on the status of the loan, so everyone is in the know.
John Thomas Team Mission
Delaware Mortgage Loan Officer John Thomas has put together an amazing team with the mission to help people buy homes with less hassle and more enjoyment by developing genuine relationships, apply a team-based approach to customer care, and providing sound financial advice.
John Thomas Team Values:
- Deliver WOW Service through a Raving Fan Service Experience
- Always Do Your Best
- Do the Right Thing
- Show People Your Care
- Embrace & Drive Change
- Create Fun & Little Weirdness
- Build Positive Team & Family Spirit
- Pursue Growth & Learning
- Build Open & Hones Relationships with Communication
- Be Passionate & Determined
Meet John Thomas Certified Mortgage Planner
John Thomas is happily married to his beautiful wife, Bernadette and they have two wonderful children, Maddie and Max. The Thomas Family livs in Newark, Delaware. John taught physics and physical science at Delcastle High School for over 10 years. He owned a local franchise of SERVPRO, a National Cleaning and Restoration Company. John was a national kickboxing champion and state boxing champion. He was a referee and trainer of boxing, kickboxing, and mixed martial arts at Jack’s Gym in Newark, Delaware.
John Thomas graduated from Glasgow High School in Newark, Delaware and then went on to obtain a Bachelor’s Degree in Physics and Education at the University of Delaware in 1995. He then obtained his Master’s Degree from Delaware State University in Curriculum and Instruction in 2001. John Thomas also obtained his Certified Mortgage Planner designation in 2008.
Delaware Mortgage Loan Officer Career
Delaware Loan Officer John Thomas has been helping people obtain financing for over 15 years, and he is currently the Branch Manager for a National Mortgage Banker, Primary Residential Mortgage, Inc. John has specialized in First Time Home Buyers throughout his career and presents monthly home buyer seminars to help educate buyers about the home buying process in Delaware, New Jersey, Pennsylvania & Maryland. He has been a featured guest on a local TV show to discuss mortgages and home ownership. John and his team enjoy helping people buy homes and manage their current mortgages to help them produce long term wealth. Hosting quarterly Wealth Builder Workshops to past clients, John teaches them how to retire a millionaire.
My commitment to you is to provide what we call “Raving Fan” service to every client that we serve. We treat you like a person not a number or just another transaction. The team and I will take the time to educate you on your options and help you select the right loan program . The John Thomas Team wants to be your mortgage lender for life. We will always keep you updated, return your calls, e-mails, and be an advocate for you. Our goal is to help each client achieve the dream of home ownership!
John Thomas Team Awards & Recognition
Mortgage Loan Officer John Thomas has closed almost 2,000 loans in his career funding over $400 Million in mortgage loans. John has been recognized as an industry top producer.
Top 400 Loan Originators in the Nation by National Mortgage News for 2017, 2018, 2019 & 2020, 2021
Top 1% of Mortgage Originators nationwide by Mortgage Executive Magazine for 2016, 2017, 2018, 2019 & 2020, 2021
Top Originator Nationwide by Scotsman Guide for Top FHA Volume for 2016, 2017, 2018, & 2019, 2020, 2021
5 Star Mortgage Professional for Delaware for 2012, 2013, 2014, 2015, 2016, 2017, 2018 & 2019, 2020, 2021
Most Connected Mortgage Professionals by National Mortgage Professional Magazine for 2018 & 2019
Best Military Originators and Lenders 2019 by National Mortgage Professional Magazine.
As a seasoned mortgage professional with extensive experience in the industry, I've dedicated my career to helping individuals achieve their dream of homeownership. With over 15 years in the field, I currently serve as the Originating Branch Manager at Primary Residential Mortgage, Inc. in Newark, Delaware. I specialize in mortgage lending in Delaware, Maryland, Virginia, Pennsylvania, and New Jersey.
One of the key aspects that sets me apart is the unique position of Primary Residential Mortgage, Inc. as both a direct lender and a mortgage broker. This dual role allows us to offer the best mortgage interest rates, combining the advantages of being a mortgage bank and a mortgage broker.
My track record speaks volumes about my expertise. Over the past 10 years, I have consistently ranked as a top-producing loan officer nationally, showcasing my dedication to excellence and delivering results for my clients. I am also proud to be the author of two comprehensive books, "Your Guide to Buying Your First Home in Delaware" and "Your Guide to Buying Your First Home in Maryland," demonstrating my commitment to educating homebuyers.
I firmly believe that every client is more than just a credit score. While some lenders may automatically reject borrowers with credit scores under 640, my team and I take a holistic approach. We understand that each borrower has a unique face, name, and story, and we consider the whole picture when evaluating loan applications.
Here are some key concepts highlighted in the provided article:
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Primary Residential Mortgage, Inc.:
- A Delaware mortgage lender functioning as both a direct lender and mortgage servicer.
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John Thomas's Licensing and Coverage:
- Licensed to lend in Delaware, Maryland, Virginia, Pennsylvania, and New Jersey.
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Mortgage Loan Programs:
- Access to 300 different mortgage loan programs to meet various needs.
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Customer-Centric Approach:
- Emphasis on treating clients as individuals with a face, name, and story, focusing on the entire borrower profile rather than just credit scores.
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Loan Approval Process:
- Utilizes a loan scenarios department for a definitive answer on a loan within 24 hours.
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Flexibility and Accessibility:
- Flexible hours, accommodating morning, evening, and weekend applications and communication.
- Open on Saturdays with the Weekend Warrior Program to be available to clients.
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Local Presence:
- John Thomas is a local Delaware Mortgage Loan Officer, and there's an emphasis on the benefits of working with a local loan officer.
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Communication Practices:
- Regular Tuesday Status Update Day to keep clients and agents informed on the status of loans.
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Mission and Values:
- The John Thomas Team's mission is to help people buy homes with less hassle and more enjoyment, focusing on genuine relationships, teamwork, and sound financial advice.
- Values include delivering exceptional service, doing the right thing, caring for people, embracing change, and fostering a positive team spirit.
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John Thomas's Background:
- Holds a Certified Mortgage Planner designation since 2008.
- Graduated from the University of Delaware with a Bachelor’s Degree in Physics and Education in 1995.
- Master’s Degree from Delaware State University in Curriculum and Instruction in 2001.
- Prior experience includes teaching and owning a local franchise of SERVPRO, a National Cleaning and Restoration Company.
- A former national kickboxing champion, state boxing champion, and referee/trainer of combat sports.
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Career Achievements:
- Closed almost 2,000 loans, funding over $400 Million in mortgage loans.
- Recognized as a top producer nationally by various industry publications, including National Mortgage News, Mortgage Executive Magazine, Scotsman Guide, and National Mortgage Professional Magazine.
By choosing me as your Mortgage Loan Officer, you gain access to a wealth of experience, a customer-focused approach, and a commitment to helping you achieve the dream of homeownership. My awards and recognitions reflect not only my dedication to excellence but also the satisfaction and success of the clients I've had the privilege to serve over the years.
