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 Guide To Buying A Home When You Have Bad Credit
Your Guide To Buying A Home When You Have Bad Credit
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If you think that buying a house with bad credit is impossible, we have good news! It may be more complex, but it can be done! But before you go house hunting, it's essential that you review your financial situation. Homeownership involves... Read More
Your Guide To Paying Down Credit Card Debt With A Home Equity Loan
Your Guide To Paying Down Credit Card Debt With A Home Equity Loan
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Having multiple credit cards can be helpful, especially when making large purchases. The problem starts when you have large outstanding balances, and you're having trouble paying them off quickly to avoid enormous interest charges. You may have heard... Read More
How Can I Get Approved for a Mortgage as a Contract Employee?
How Can I Get Approved for a Mortgage as a Contract Employee?
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Contract employees who want to get a home loan can sometimes find it challenging. Traditional mortgages often lean towards an income that can be verified easily with W-2s. Income taxes for contract employees can sometimes get complicated and can... Read More
Step By Step Guide To Getting Your Credit Ready For A Mortgage
Step By Step Guide To Getting Your Credit Ready For A Mortgage
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Did you know that you could save thousands of dollars if you prepare your credit before applying for a mortgage? Your credit score is one of the most critical factors that determine your mortgage interest rate and which home loan program you qualify... Read More