2026-03-06T20:18:39.342Z

the best friendly place to work with for a loan service they will get ti done for you!! thank you Tom

2026-02-27T00:44:32.195Z

Tom was great. Walked me through the process and answered every single question. He was available all the time. No waiting, he was on the spot with everything I needed. A great experience.

2026-01-26T06:40:21.400Z

I have now worked with Tom on 4 different mortgages including two re-finances, and I could not be more pleased with the support Tom provides. My partner and I most recently found our dream home, but with high interest rates, we were struggling to find a solution to be able to afford the monthly payments. Tom was extremely helpful in identifying different options that fed into our purchase negotiation that resulted in us getting a purchase price with a 2/1 buy-down on the rate that will help us afford monthly payments over the first two years. We would not have been able to purchase the house otherwise. Subsequently, when interest rates finally dropped, Tom proactively reached out to let us know that a refinance could help reduce our monthly payments. The process was quick and well-facilitated by Tom and his team. Tom is always extremely responsive and presented us with several scenarios based on current interest rates, down payment amount and PMI. He is very understanding of buyer needs and questions, and made every step in the process as easy as possible. He is a pleasure to work with and I would recommend Tom to any of my friends.

2026-01-14T00:53:36.914Z

I’ve spent years in mortgage finance and know a lot of strong loan officers. Tom McMurray is one of the best. He was my manager and has handled multiple loans for me and my family because I know he’ll structure the deal correctly and make sure nothing falls apart at the end. Clear, thorough, and someone I trust.

2026-01-13T22:27:26.928Z

I worked with Tom and his team on a recent home purchase in Big Bear, CA. I had gotten competitive quotes from some other heavy hitters like Rocket Mortgage, Zillow and Chase, and Tom was able to HANDILY beat them all. After getting our business be was so helpful in closing the loan, working with escrow and even helping me find a great insurance agent that knows more than I ever will about the necessary insurance in the area. Tom is my GO TO GUY for mortgages now, I cannot recoomend him highly enough.

2026-01-12T19:33:14.576Z

I heard about Tom McMurray through a work friend. He helped me through my home buying experience and was truly amazing. I was married for more than 23 years and recently divorced my husband. I was scared to trust others and never purchased a home on my own. Tom walked me through everything and was great at communicating. Highly recommend Tom and Karbon Financial.

2026-01-08T21:08:55.720Z

Really appreciated with Tom and his team to help me refinance. He and his team work very fast and professional. He always pick up the phone and call me back. He explains everything to make me clear and understand the whole process before making decision. His fee is acceptable not very high as other companies. If you are looking to refinance or buy a new home. I really recommend him and his team !

2025-10-29T05:50:15.878Z

We have been receiving Tom’s advice and help for the past 10 years, starting with a mortgage for our first home in 2016. We can always reach out to Tom whenever we have any questions whether it is about refinancing, HELOC loans, or just about the general condition of the mortgage market.Tom has demonstrated professionalism and trustworthiness in all encounters we have had with him. We can confidently recommend him to friends and family. We especially appreciate his patience when explaining loan products that we did not understand or were not familiar with.