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Tom Bawany

VP of Mortgage Lending
941 West Morse Blvd, Suite 100, Offices 108 & 109, Winter Park, FL 32789
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NMLS: 519971
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Tom interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
In the mortgage business since 2000, and I love working and helping people realize their dream of buying their dream home.
Who is your typical customer and what questions do they typically have?
My typical customer is interested in A. great customer service, B. a great rate and C. efficient processing and an on time closing!
What specific steps do you use to help your customers find the best home loan for them?
I match my customers with the best product for them by A. having knowledge of the wide array of products amiable in the market and B. by asking questions and encouraging to ask me questions.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Fixed rate products provide stability, certainty and peace of mind. Variable rates provide lower initial monthly payment and are a wonderful product for someone who intends to pay off the mortgage and sell the property in a specific time.
What advice would you give new or first time home buyers?
I would advise the first-time customer to ask a lot of questions from their loan officer, their real estate agent and to go online and read. More knowledge leads to a better purchase!
What can borrowers do to insure a smooth mortgage underwriting process?
In order to insure a smooth process, I recommend the borrower stay in constant touch with their loan offer their real estate agent. it is never “too much communication”.
Summary of where you grew up: family, affiliations, college, high school, etc.
I went to University of Arizona in Tucson for my Bachelors and Golden Gate University in San Francisco for my Masters. I have lived in Central Florida for the last 25 yrs. and have seen it grow and prosper. I travel routinely to south Florida, which I love and am very familiar with.
Tell us something that makes you unique or something wacky, yet interesting about you?
I love to travel and have visited over 20 countries, and have visited many, many states. This helps me connect to people of different backgrounds!

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