Lubbock Mortgage Broker

Welcome to Tatom Lending. Tatom Lending is a Lubbock mortgage broker with an emphasis on educating, empowering, and protecting homeowners, home loan borrowers, and home buyers.


Benefits of Using a Lubbock Mortgage Broker Over Your Bank

Unlike Your Bank, Mortgage Brokers Have Access to Many Lenders
Unlike your bank that only has access to their own mortgage rates, Lubbock mortgage brokers have access to many different lenders. Many lenders focus on different types of borrowers. These different borrowers may include high credit score borrowers, first time home buyers, less than perfect credit, FHA loans and Veteran loans to name a few. This means mortgage brokers can shop around on your behalf and compare rates from many different lenders. If you go directly to your bank and you don’t fit the profile of what your banks strengths are, you will most likely get a rate and term that is not favorable to you. But a mortgage broker can find the lender that best fits your strengths and weaknesses. This results in getting the best rate and terms, because a Lubbock mortgage broker finds the lender that is best suited to your needs.

They Know the Business Better
In most cases, your banker deals with many types of loans. While this may benefit you if you require a niche type of loan. If you need a home loan, a Lubbock mortgage broker is probably better suited to your needs. This is important because there are many factors that determine interest rates and fees of a mortgage. These factors include your credit score, down payment, loan to value, income, debt ratio, loan amount and your spending habits etc. For example, if you have a lot of credit card debt, this could affect your interest rates, because your lender will determine that you have a higher risk of not being able to make payments. A seasoned mortgage broker will show you how to make your loan more attractive to lenders.

Mortgage Brokers are More Available
Banker’s deal with many different types of loans and customers. Bankers deal with retail loans, personal loans, commercial loans and residential loans to name a few. In most cases they prioritize the bigger money commercial clients. Mortgage brokers on the other hand know how stressful going through the loan application process can be. Especially when some unexpected hurdles arise. When you work with a mortgage broker, they are there for you and are usually more availab0le than their banker counterparts. A Lubbock mortgage broker has more time to find a loan that’s right for you and your specific needs. Mortgage brokers know how to overcome many of the hurdles that come up with underwriters and more importantly, they have the time to go over with you how to overcome them. Having a mortgage broker who is available when you need them can be extremely helpful.

Mortgage Brokers Will Help You Make the Right Decision
Mortgage brokers will help you find the best possible loan based on your financial situation. Sometimes, finding the best home loan for your situation can be a challenge if you don’t know where to start. But this is what a Lubbock mortgage broker does. This is their job. They can help you find out what kind of loan type (adjustable. Fixed, investment, short term or long term etc.) and what the repayments will be, so you can make an informed decision about on how to proceed next.

We offer honest solutions to the lending process with the utmost respect for integrity and our client's financial goals. Although we work with many wholesale banks and lending institutions; we do not work for a bank. We work for you; and our existence depends on your success. We believe that the terms of your loan are just as important as the rate, and that's why we supply our clients with options and run in depth calculations to help you better understand the impact of your decision.


So, if you are looking for a Lubbock mortgage broker to purchase a new home, refinance an existing home, or access your equity, look no further. Protecting your home and family is our business.

Kirk Tatom
NMLS License #278914
mortgage loans
  • Great customer service

    At Tatom Lending we take pride in our great customer service. Our staff is here for you, so don’t hesitate to contact us if you have any questions, problems or maybe a suggestion. We would love to hear from you.

  • Clients come first

    We make sure our clients get the best support from our staff. We will walk you through the whole mortgage process and ensure your transactions close smoothly.

  • We offer superior loans and mortgages.

    Tatom Lending is a Lubbock mortgage broker that works with multiple lenders. We can provide our clients with extremely competitive pricing. Now you can do all your comparison shopping with one company without wasting time with several banks or brokers.

Tatom Lending provides residential mortgage loans throughout the state of Texas including but not limited to the areas below:

Houston San Antonio Dallas Austin Fort Worth El Paso Arlington Corpus Christi Plano Lubbock Irving Laredo Garland Frisco Amarillo Grand Prairie McKinney Brownsville Killeen Pasadena Mesquite McAllen Denton Waco Carrollton Midland Pearland Abilene College Station Richardson Round Rock Beaumont The Woodlands Odessa League City Lewisville Sugar Land Tyler Allen Wichita Falls

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