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.

Making Sense of the Current Housing Market
Making Sense of the Current Housing Market
Sep 28 2022   first time buyer first home first mortgage home loan apply for a first home loan
The housing market has been a roller coaster ride since 2020, particularly as more people worked from home and looked for new places to live. Interest rates also hit a record low during this time, leading to a seller’s market where bidding wars... Read More
Watch Out for these Red Flags When Buying a Home “As Is”
Watch Out for these Red Flags When Buying a Home “As Is”
Sep 21 2022   first time buyer first home first mortgage home loan apply for a first home loan
While house hunting, you might have seen some listings of homes sold “as is.” Home buyers might find these types of homes attractive because they’re typically priced lower than similar houses. Before you purchase an “as... Read More
Concessions You Can Get Even In A Seller’s Market
Concessions You Can Get Even In A Seller’s Market
Sep 14 2022   first time buyer first home first mortgage home loan apply for a first home loan
Who doesn’t want to get a good deal on a home? It’s normal for home buyers to try and negotiate with sellers to get the best deal possible. But in this seller’s market, where homes are selling fast and buyers don’t always have... Read More
What Does a Home Inspector Look For in a Home You Want to Buy?
What Does a Home Inspector Look For in a Home You Want to Buy?
Sep 7 2022   first time buyer first home first mortgage home loan apply for a first home loan
It’s easy to fall in love with a home, especially if it looks good on the outside. In a seller’s market where buyers move quickly, some have considered waiving the home inspection to get their offer picked over the... Read More