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Tom Fernandez, Loan Advisor

Loan Advisor

Tom Fernandez

NMLS #227530

Sales Manager • Stockton, CA

Cell: 209.610.5069
Direct: 209.957.2655
Fax: 209.957.3476
Licensed in CA

About Tom

Tom has worked in the Mortgage Banking Business for over 25 years. His range of experience includes Loan Servicing and Capital Markets, but his true passion is originating mortgages directly with the consumer. He believes “There is no greater satisfaction then helping buyers finance one of their largest life time investments…a new home”. Tom understands that each client is unique and takes the time to listen to their financial goals and align them with the mortgage solution that fits their needs. He joined American Pacific Mortgage family in 2008 and is a multi-year Presidents Club Award winner.

Tom is a graduate of California State University Sacramento with a Business Degree in Finance and Economics. He is married with three boys and his dog Kobe. Outside of work and family, Tom enjoys golfing, snowboarding, attending sporting events, and travel.

 Branch Address: 1150 W. Robinhood Dr., Suite 4C, Stockton, CA 95207

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Suits Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide between various loan options.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Thanking our Servicemembers: Your Guide to a VA Loan

In this guide, you will learn why VA loans are a great option for homeownership for active members and veterans in our armed forces.

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Home Buyer Blog