Meet Tom Sebring, your California Mortgage Expert!

Tom has OVER 20 YEARS OF MORTGAGE EXPERIENCE as a mortgage originator and underwriter. He is committed to providing clients with the information they need to make the biggest decision of their lives.

Tom Sebring is a local mortgage lender who provides the convenience of an online lender like Rocket Mortgage but with the service of a local professional. Tom offers low rate mortgages, without the hassle you get working with big banks or online lenders. Tom works with first-time buyers, move up buyers, veterans, divorce clients, and anyone who owns a home looking to refinance for a lower rate or lower payment. He offers FHA loans, VA loans, jumbo loans, conventional loans – a full range of mortgages. He can get your mortgage closed fast, and can also prequalify and preapprove you in just a few minutes. Tom graduated from The University of Puget Sound with a degree in Economics. He is a single father of two young adults, his son in San Diego and daughter in Hollywood. He enjoys reading, working out at the gym and ocean/beach activities.

Tom really enjoys the challenges of the mortgage industry, especially assisting clients with making informed decisions on the purchase of my new house. “With Tom’s guidance, I was able to get down payment assistance of $52,000 on the purchase on my condo.” Ginger M. , Laguna Hills “”Tom saved me $208 a month in interest with just one add-on program when I bought my place.” Michelle T, Aliso Viejo

Many clients experience fear when considering buying their first home, wondering whether they can really afford such a big purchase. Assisting clients in understanding every aspect of purchasing a house or a condo, is rewarding to Tom.

With Tom’s vast experience, he is confident he can save clients money and answer all their questions. His knowledge, compassion and dedication are geared to making his clients dreams come true. Tom can be reached seven days a week via text, email, or cell phone. Reach out to him if you want a mortgage advisor with decades of experience, has the ability to shop for the lowest interest rates for you; all with excellent customer service with a personal, single point of contact.


California Divorce & Real Estate

When faced with a divorce, many people try their best to make the smartest decision for them and their families in regards to real estate. At California Real Estate and Divorce, our professionals are here to educate you, and to personalize the best solution for you in a difficult and challenging time. Nothing is more important to us than giving you the information that you need to make an informed decision.  Divorce is a difficult family matter, and if you are adding in the stress of buying, selling or transferring real estate to your spouse, you can count on our unyielding support and experience to be there.

Orange County First Time Home Buyers

A house is likely to be THE BIGGEST PURCHASE YOU EVER MAKE, which can make home buying equally terrifying and thrilling. If you’re preparing to buy a house for the first time, pour yourself a glass of wine, take a deep breath and read these tips for first-time home buyers. The home-buying process is complicated and infuriating at times, but you can figure it out if you follow some sensible guidelines.