I found Tom at the start of my home buying process over a year ago when searching for mortgage brokers. With the help of Tom and his team (along with my realtor), I was able to ultimately purchase my first home with a reasonable interest rate and beat out other offers due to better terms and efficient communication. During the process, Tom and his team answered any questions that I had within a timely manner and worked with outside parties to make the process more efficient for me. I’d definitely recommend his services! Less

I shopped around for lenders, and finally decided to give my business to Tom and Karbon Financial because they were so on the ball with everything. Tom turned around the necessary quotes, contracts and financing paperwork very quickly and this, in turn, enabled us to procure financing in about three weeks! He was available at all hours of the day and all days of the week. I texted him about interest rates on a Saturday at 10 pm, and called me back right away! Tom is honest, dependable, meticulous and attentive. I will be using him again for my next loan or refinance. Less

My experience with Tom McMurray and Karbon Financial was so helpful, he explained everything to me, listened to me, gave me options and explained each option so I was able to make an informed decision about my home loan. Once my loan was completed the support didn't end there, it is ongoing and helping me navigate this complex market. Everyone I have interacted with her has been very professional, personable, and knowledgeable. I would feel comfortable recommending them to anyone in my Network, friends, or family. Less

Tom and his team at Karbon are exceptional. Having recently worked with them on the purchase of our home, we found the entire experience painless and easy with Tom's wonderful support, advice and guidance. Highly recommended! Less

From the very beginning of our home-buying journey, our experience with Tom McMurray has been exceptional. Following an unsatisfactory experience with a previous lender, we were grateful to discover Tom through a referral. His professionalism, expertise, and genuine commitment to helping us secure the best possible mortgage made the entire process smooth and stress-free. Communication was clear and always timely, with Tom consistently responding to our inquiries promptly. He went above and beyond to address any questions or concerns we had, ensuring we felt supported every step of the way. We truly appreciate their dedication and would highly recommend Tom to anyone in need of mortgage services. Thank you for helping us achieve our dream of owning a home. Less