At Carrollwood Mortgage, we believe in making your home financing experience as seamless as possible, combining competitive rates with a hassle-free process, so you can focus on what matters most—turning your dream of homeownership into a reality.

About Us

Your dedicated and Trusted Home Loan Advisor

Owner and loan originator, Tom Zinschlag, takes great pride in being your trusted advisor when it comes to your home mortgage needs. His white glove service goes above and beyond expectations and understands that securing a home loan is a significant decision. From the moment you reach out, Tom will listen to your goals, answer all your questions, and tailor a mortgage solution that fits your unique circumstances. His commitment to personalized service means that he will be by your side every step of the way, ensuring a smooth and stress-free experience.

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With a long presence in the mortgage industry since 2014, Tom is thrilled to celebrate his upcoming 10-year anniversary in the field. Throughout this journey, Tom has achieved remarkable results. With approximately 450 mortgages closed, over $1 billion in total volume, he has overseen an impressive volume of 430 loans in just one month during the peak of the pandemic. His combined efforts have contributed to closing +1,200 loans, a testament to his commitment to helping our clients achieve their homeownership dreams.

As we approach this significant milestone, rest assured his focus on delivering exceptional service remains unwavering and he is dedicated to continuing his legacy of guiding clients through the mortgage process with expertise, care, and a commitment to excellence.

"Seamless Homeownership Journey with Tom: A Five-Star Experience!" "Seamless Homeownership Journey with Tom: A Five-Star Experience!" I recently had an exceptional first-time home buying experience with Tom. Their team exhibited unparalleled professionalism, guiding me seamlessly through the mortgage process. The transparent communication and personalized assistance made me feel confident and supported. I highly recommend Tom for anyone embarking on their home ownership journey.
Nicole Vranizan
Like working with a friend! Like working with a friend! Tom helped us with our most recent purchase and I wish we would have found him sooner for our previous purchases. Tom went above and beyond and could not imagine a better experience. Night and day compared to working direct with the big lenders in the past. What’s nice working with a broker is Tom has dozens of lenders to shop and compare rates. He even negotiated on our behalf with the lender to get us an even better rate than we initially expected! I am an overanalyzer and Tom was incredibly patient, knowledgeable, and always willing to walk me through (in layman’s terms) every step of the process. He was very professional and kept us up to date throughout. I was probably a pain 🙂 but night or day, Tom would answer my calls or return my text within minutes. Most importantly, there were no “surprises” and Tom was able to pull forward our closing date 2 weeks earlier than anticipated. If you’re looking for a more personal experience hesitate working with Tom.
nsburton
Great results Great results I worked with Tom to refinance my home and he helped me not only lower my rate a percentage point, he was also able to cut my term in half without having to pay closing costs and now I’ll have my home paid off in 7 years.
Mbray
Extremely helpful and knowledgeable Extremely helpful and knowledgeable Tom is a wealth of knowledge! He helped us get the best interest rate for our home saving us thousands! The process was easy smooth and fast. I couldn’t recommend a better person to talk to about setting up a mortgage. Not only is he an expert at his field but very friendly and patient. If you are interested in getting a house call this guy right away!
spencer bradham
Quick Turnaround ! Quick Turnaround ! Tom works quickly and efficiently! He has thorough knowledge of the financing process and effectively gets things done! Tom took the time to explain details to me as needed.
Sarah Zinschlag
Tom was amazing Tom was amazing I had such a great experience working with Tom. He was extremely accessible which was so important to me. He answered every question I had and made the process so quick and easy. I will definitely be using him again and recommending him to my friends and family.
Mary Jane B

Our Loan Types

We Work hard to get you the best rates

One of the key advantages of choosing Carrollwood Mortgage is our ability to offer the best rates in the market through relationships with over 10 different lenders. Tom has streamlined the process and has a deep understanding of lending guidelines, allowing him to efficiently assess and approve mortgage applications. This eliminates the delays and uncertainties typically associated with waiting for underwriting decisions, providing you with a faster and more straightforward mortgage approval process. His commitment to transparency means that you can be confident in knowing that you’re receiving the most competitive rates available, backed by our reputation as a trusted and reliable loan originator.

Conventional loans are mortgage loans that are not guaranteed or insured by any government agency. They are typically offered by private lenders and have varying terms and requirements depending on the lender. These loans often require a higher credit score and a larger down payment compared to government-backed loans. Conventional loans offer flexibility in terms of loan amounts, property types, and repayment options. Borrowers with a strong credit history and stable income may find conventional loans attractive due to potentially lower interest rates.

FHA (Federal Housing Administration) loans are government-backed loans that are insured by the FHA. These loans are designed to help first-time homebuyers and individuals with lower credit scores and smaller down payments. FHA loans have more lenient qualification criteria and allow down payments as low as 3.5% of the purchase price. They also offer more flexible credit requirements and can be assumable, meaning that the loan can be transferred to a new buyer if the property is sold.

USDA (United States Department of Agriculture) loans are targeted at homebuyers in rural and suburban areas. These loans are backed by the USDA and aim to promote homeownership in eligible rural areas. USDA loans often have competitive interest rates and require no down payment. They also have income limits, and the property must meet specific location and condition requirements.

VA (Veterans Affairs) loans are available to eligible veterans, active-duty service members, and their spouses. These loans are guaranteed by the Department of Veterans Affairs and are designed to make homeownership more accessible for those who have served in the military. VA loans often offer competitive interest rates, require no down payment, and do not require private mortgage insurance (PMI). They have flexible credit requirements and provide additional benefits such as assistance with closing costs.

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