About Tom Cortesi

As a licensed Homebridge Mortgage Loan Originator in California (NMLS #396354), Tom Cortesi can assist you with your home loan needs, including:

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Tom welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Tom has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Tom Cortesi Anytime

Feel free to contact Tom anytime by phone or email for personalized service and expert advice. Tom Cortesi will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Tom Cortesi 203(k) Renovation Lending Certified

Tom is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Tom Cortesi values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Tom by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
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FHA 203(k)Renovation LenderSource: HUD Endorsement Summary

What Our Customers Say About Me

Alfredo H. Sep-19
“Tom, Thanks for your time and all your help. I'm so glad we had you to guide us through this whole process. Your kindness, patience and knowledge were key to making this all happen. Thanks so much!!! ”
Andrea L. Jul-19
“Tom Cortesi is outstanding! His customer service, speed of response, knowledge of the process, personal touch and attention are extraordinary. He made this process very smooth and enjoyable. He is kind, courteous and caring. I would work again with Homebridge just because of Tom. Truly fantastic!”
Farshad K. April-19
“I appreciate from Homebridge Financial Service Inc and everyone who worked very hard and helped me get approved for the loan and close the deal on the house.”
Veronica C. December 2018
“Homebridge - The Mark Johnson team have been supportive and helpful throughout every question or concern I had and I think they are the best!”

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