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Tom Goldsmith

Tom Goldsmith

Senior Loan Officer

150 120th Ave NE, Suite 300, Bellevue, WA 98005
Own what matters
Own what matters

Meet my team

I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
S
Sep 14, 2022
Verified

Tom was recommended to me by a dear friend of mine and I am so grateful for that referral. He and his team are top tier. My husband and I were looking to buy our first home and because I work for a lender(bank) I knew from experience what to expect. While I don't think my employer is one to avoid at all there are things that drew me away specifically slow communication with underwriting and things getting held up. Tom closed on our loan in less than three weeks. I'd have to check but I'd even say it was closer to TWO WEEKS. FOR A MORTGAGE. It was like hitting the mortgage lottery. They were phenomenally quick and communicative. It was as if the stars all aligned and it absolutely amazed me. And we were able to lower our rate with a points purchase! Will always recommend Tom to all of my family and friends.
S P
Sep 02, 2022
Verified

Tom was recommended to me by a dear friend of mine, and I am so grateful for that referral. He and his team are top tier. My husband and I were looking to buy our first home, and because I work for a lender(bank), I knew from experience what to expect. While I don't think my employer is one to avoid at all, there are things that drew me away, specifically slow communication with underwriting and things getting held up. Tom closed on our loan in less than three weeks. I'd have to check, but I'd even say it was closer to TWO WEEKS. FOR A MORTGAGE. It was like hitting the mortgage lottery. They were phenomenally quick and communicative. It was as if the stars all aligned, and it absolutely amazed me. And we were able to lower our rate with a points purchase! Will always recommend Tom to all of my family and friends.
Wendy
Aug 25, 2022
Verified

If you need a home loan or refinance call Tom and Guild Mortgage! Tom and his team were outstanding to work with with my refinance. Superior customer service and professional! I reached out to my credit union and my original mortgage company that is local and when I told them I had questions they sent me a link to fill out an application and they would answer my questions later and never called me. Tom was the only one that called me up and spent 30 minutes with me answering my questions and and answered many more before I filled out an application. It's simple to pick up the phone and talk to a potential customer because you gain many more customers through referrals and social media shout outs! If you are in the market to take advantage of low interest rates call Tom at Guild Mortgage.
Rich
Apr 14, 2021
Verified

Thomas was great to work with!!!
Fong
Oct 29, 2020
Verified

Very knowledge and professionalism and walk you through all the necessary documents that needed to closed the loan. You can count on him at any time.Thank You
Wendy Y
Oct 23, 2020
Verified

If you need a home loan or refinance, call Tom and Guild Mortgage! Tom and his team were outstanding to work with with my refinance. Superior customer service and professional! I reached out to my credit union and my original mortgage company that is local, and when I told them I had questions, they sent me a link to fill out an application, and they would answer my questions later, and never called me. Tom was the only one that called me up and spent 30 minutes with me answering my questions and and answered many more before I filled out an application. It’s simple to pick up the phone and talk to a potential customer, because you gain many more customers through referrals and social media shout outs! If you are in the market to take advantage of low interest rates, call Tom at Guild Mortgage.

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Awards

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NMLS ID #173421
I am authorized to do business in the states of California and Washington. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;