Welcome
About Me
I’m Tom Kalagher, the founder of Fairhope Mortgage. I have a deep passion for helping individuals and families achieve their homeownership dreams. Securing a home loan is the most significant financial decisions you’ll ever make. That’s why I prioritize personalized solutions and clear communication.
Experts Guide You
Step 1: Budgeting
Step 2: Credit Review
Step 2: Credit Review
I work with you to go over your budget to see what house payment you can afford without over reaching.
Step 2: Credit Review
Step 2: Credit Review
Step 2: Credit Review
I will review you credit situation, and can make recommendations for how to best position yourself to get the best rate. I can also run a simulator that shows exactly what to do to get your score up to qualify or get the best rate.
Step 3: Pre-Approval
Step 2: Credit Review
Step 4: House Hunting
I get you a pre-approval letter that you can use with your real estate agent to make offers on properties. Knowing you can obtain a loan gives you an advantage over offers without a pre-approval.
Step 4: House Hunting
Step 4: House Hunting
Step 4: House Hunting
Don't have a realtor yet? I work with some of the best realtors in the area and can recommend someone specific to your needs. I can also recommend some great insurance agents that can save you on your monthly payments.
Step 5: Loan Process
Step 4: House Hunting
Step 5: Loan Process
I walk you through every step of the loan process including gathering documents, locking you into the lowest interest rate possible, finding the best loan type for your unique situation, underwriting, and preparing for closing.
Step 6: Closing Day
Step 4: House Hunting
Step 5: Loan Process
On the day of closing you sign all the documents transferring the property to you and signing the loan note. I make sure there are no surprises for you and work with your realtor to ensure we close on time. Then it's time to get the keys and make lasting memories in your new home.
