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Tom Smith

Troy, AL

Tom Smith

Loan Officer | NMLS #: 2644903

M 251-362-5263 O 334-403-9704 tsmith@assurancemortgage.com

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Real Reviews from Real Homebuyers

4.98 Stars Based on 68 Reviews
Breanna Leshea

Troy, AL

"Tom went out of his way to make sure my husband and i understood everything"
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Michael Joseph

Troy, AL

"the people at assurance financial was very easy to speak with explained everything in detail and was very patient and helpful throughout the entire process"
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Jessica

Panama City Beach, FL

"whole assurance team made the process so smooth andn. i"
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Casey

Panama City Beach, FL

"Tom handled everything we needed, was always involved and up to speed through every phase of the process, and had answers to all of our questions."
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Mark

Troy, AL

"He kept the clients well informed of during this process."
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Latavia

Troy, AL

"Tom was very communicative and very informative through the entire proces. He answered questions timely and effectively. We received continuous updates so we were never left wondering what would be next. Tom was awesome and I would highly recommend him to anyone on this journey. Thanks Tom for everything you ensured this was a great experience."
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Benwana Demorris Sen

Troy, AL

"What made iy it great was that everything was so easy going and the whole process was done quickly!"
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Kenneth W

Troy, AL

"Tom made the whole process simple."
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Jason

Troy, AL

"Tom was always available for questions and found good answers and/or options for my client! Communication was top level from the start! Much appreciated!"
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Chelsea M

Troy, AL

"He answered all of my questions, and he was quick to get more info (est. monthly payment, loan total, etc.) to me and my realtor as we looked into different homes. Overall, a wonderful person to work with!"
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Jonathan

Troy, AL

"Tom made the whole process very smooth and was always quick to get back to us when we had any questions! We'd definitely recommend him!"
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Mackenzie E

Troy, AL

"Tom was great to work with and willing to answer any questions I had. He made buying my first house super easy. I would highly recommend him to anyone looking to purchase a home."
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Crunch The Numbers!
Estimate Your Payment

Get an idea of what your monthly payment may look like. For a full estimate, call me, your mortgage expert!

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$
years
$
%
$
%

Your LTV is less than 80%, so you will not need to pay PMI.

$
$
$

$3,500

Monthly Payment

Real APR

0

Monthly Taxes

208

Monthly HOA

0

Monthly Insurance

50

Monthly PMI

0

Monthly Principal and Interest

0

Calculators provide estimates only. Estimates shown should not be considered exact payments. Contact your local loan officer for precise and personalized information. See full legal disclosures.

Legal Disclosures

The AFG mortgage calculator is for estimation purposes only. Results do not reflect all loan programs and are subject to individual program loan limits. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.

Here’s a payment example based on an average home price and the most common loan type:

Loan amount: $300,000
Loan type: 30-year Fixed-Rate Loan
Interest rate/APR: 7.375% (7.692% APR)
Monthly payment: $2,072.03
Points: 1.875 points, costs due at closing
Loan-to-value (LTV): 80.00%

One point is equal to one percent of your loan amount. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. Rates shown are valid on publication date of April 18, 2024.

1If you didn’t enter taxes and insurance amounts, an estimate of your taxes is based on the state selected. This does not include all fees.

Resources

Downloadable Guides

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About Tom

Tom Smith is a Loan Officer in the Troy, Alabama Branch of Assurance Financial. He is licensed through the National Mortgage Licensing System and Registry in Alabama.

Whether a new home purchase, refinance of an existing loan, or construction of a new home, Tom is able to help homebuyers in any stage of life achieve their dreams of homeownership.

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My Services
  • New Home Purchase Loans
  • Refinance Loans
  • FHA and Rural Development Loans
  • Veteran (VA) Loans
  • Construction and Renovation Loans

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515a South Brundidge Street
Troy, AL 36081

(251) 362-5263

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By submitting this form, you agree to receive marketing text messages from Assurance Financial at the number provided. Message and data rates may apply. Message frequency varies. Reply STOP to unsubscribe or HELP for assistance. For more details, please review our Privacy Policy and Terms & Conditions at AssuranceMortgage.com/privacy-policy