Tom Rybak

  • Branch Mgr.: NC-I175264
  • NMLS: 103608
  • (888) 859-5352
  • (336) 399-1878
  • 251 N. Main Street
  • Kernersville, NC 27284

Welcome to my website

Tom started his career in Buffalo New York in 1997 with First Union as a bank representative. He quickly decided that dealing directly with the borrower was where he knew he could make the biggest difference. In 1998 he moved to Greensboro to work for Ameriquest Mortgage as a Loan Officer. In 1999 he started at Greentree Financial until May of 2000 when he opened his own company, Hometown Mortgage. He experienced great success as he built 4 North Carolina offices with over 40 Loan Officers and was regarded as a top 5 Mortgage Broker in the state North Carolina.

In the 2008 housing crisis, his company was devastated as were many others, and eventually he had to close the doors in 2009. He then went on to work for Freedom Mortgage where he recruited and overaw 3 offices as well as originating loans. With all the changes that came after the 2008 housing crisis and the Dodd-Frank legislation in 2010 he decided he needed a break from the mortgage industry. In 2011 he took on new adventures and after numerous years away from the mortgage business he knew in order to be happy he had to get back into helping people achieving the American Dream of homeownership. Which brings him to Mortgage Financial Group where he started in 2017 to the present.

Your Mini-Guide To Buying A Condo
Your Mini-Guide To Buying A Condo
Jan 25 2023   first time buyer first home first mortgage home loan apply for a first home loan
Do you want to own a house but want a smaller living space? If that’s the case, purchasing a condo unit might be better than buying a traditional home. Plus, there are benefits to owning one, too; for instance, unit owners typically take... Read More
What Most First-Time Homebuyers Wish They Knew Before Their Purchase
What Most First-Time Homebuyers Wish They Knew Before Their Purchase
Jan 18 2023   first time buyer first home first mortgage home loan apply for a first home loan
If you're a first-time homebuyer, know that you're not alone. Over 45% of homebuyers are doing so for the first time, and we love to help first-time buyers make it happen in the smoothest possible fashion. Financing is often the most confusing part,... Read More
Simple Budgeting Tips: Getting Ready To Own Your First Home
Simple Budgeting Tips: Getting Ready To Own Your First Home
Jan 11 2023   first time buyer first home first mortgage home loan apply for a first home loan
Follow these tips and expert insight to help you get your budget in order and get yourself ready to buy your first home. 1. Organize Your Finances You may know how much you have in your bank accounts, but do you know how much you spend on household... Read More
Benefits of a New Construction vs Existing Home
Benefits of a New Construction vs Existing Home
Jan 4 2023   first time buyer first home first mortgage home loan apply for a first home loan
Ready to dive into the housing market? There are plenty of choices - but between newly-built and preowned homes, which reigns supreme? One way to decide is by asking yourself: how custom do you want your living space be? If modern layouts with open... Read More