Origin Point

Tom Balk is your San Ramon local lender. As a loan officer at OriginPoint, Tom is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tom at (925) 998-5632 for more information!

Lets start with the basics: The building blocks of your mortgage are as easy as A B C: Assets, Budget, and Credit. Once you know the essentials, youll be a wiser borrower.I teach and advise before I customize your home loan solution. Well share a confidential, no-cost strategy session to determine your financial goals, and if you are buying a home, the price range you can afford. After more than 20 years as top loan originator in California, I have learned how to help a variety of borrowers with different income sources, matching the correct loan to their unique circumstances. Im ready to do the same for you.My years of experience and deep knowledge of loan programs allow me to think outside the box. If you have a challenging situation, please bring it to me. Dont let self-employment, divorce, or credit challenges keep you from becoming a homeowner. I have financing programs that give you more qualifying options, including bank statement, asset depletion and investor cash flow loans.When you choose my team and I to handle your home financing, youll find we communicate clearly, answer your questions quickly, and work together to close your loan as soon as possible. Its all part of the superior mortgage experience we provide for every client. We understand this is probably the biggest financial commitment of your life, so we will treat you with respect and honor you deserve. NMLS: 256864, Branch NMLS: 2029980

CMG leads the mortgage industry in building awareness of the many advantages homeownership while innovating mortgage products that answer the needs of today?s home buyer. Avraam M Giapitsoglou, based out of San Ramon, CA provides a variety of mortgage solutions tailored to fit the needs of repeat home buyer, first time home buyers, investors, or those who just need to refinance a mortgage. Avraam M can teach you about the variety of loan products CMG provides including conventional loans, FHA home loans, VA home loans, Jumbo loans, home improvement loans, USDA home loans, crowdfunding through HomeFundIt, as well as grant and down payment assistance options. Check out their website to meet the team, view the mortgage blog, mortgage calculator, customer testimonials, or start your mortgage prequalification and see what current mortgage rates you qualify for. Get in touch today and experience extraordinary. Founded in 1993, CMG currently operates in all states and the District of Columbia and holds federal agency lending approvals with HUD, VA, RHS, GNMA, FNMA, and FHLMC. CMG thrives on providing a personal customer service experience while functioning with the operational efficiency of a national firm. CMG proudly partners with some of the top real estate agencies, financial planning and investment firms, and builders across the nation to ensure their clients? home purchases close on-time, every time.