Karbon Financial
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.