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Ron Thomas
Branch Manager
Phone: (509) 326-8844
Cell Phone: (509) 216-3333
Fax: (509) 326-7990
Email: Ronald.Thomas@ncmc.com





Nationally recognized in 2007 by Mortgage Originator, a national publication, as being among the top 200 Home Loan Officers in the United States

Member of the Platinum Circle - National City Mortgage's top 10% of all loan officers and managers. A group of the most talented, dedicated Mortgage Consultants at National City Mortgage.

 

With more than 15 years of Mortgage Lending in Spokane and recognized nationally by Mortgage Originator Magazine as being one of the top 200 home lenders in the country, I have helped customers finance homes ranging in prices from $20,000 to $2,600,000. Your home is one of the biggest investments you will ever make! Do not put your biggest investment at risk by working with an in-experienced loan officer. Ask your Realtor and/or Professional Associates who they would recommend. Chances are I have already helped them finance their home.

I offer you, years of experience in the Mortgage Profession, and Exceptional Service to close your next home loan transaction quickly without unforeseen additional charges at the end. I will also act as your own personal Mortgage Consultant to help you understand what loan you are getting into for the next 15-30 years. If for some reason I do not have a product that fits your specific situation I will act as a broker and help you find a Lender that does have the program that you need.

Buying a Home Is One of the Biggest Decisions in Your Life!

 

Which Type of Loan Is
 Right for You?
 

We Offer 200+ Products
Click Here for more details


Loan Type

Advantages

Fixed Rate

Interest rates or principal and interest payments that stay the same for the life of your loan - 10, 15, 20 and 30 year terms

Adjustable Rate

Qualify for a higher mortgage and enjoy a lower initial interest rate and payment

Adjustment periods vary depending on which product you choose

Affordable Housing Programs

Great for first-time homebuyers. Little or no down payment required with potentially lower interest rates.

Jumbo Loans

Choice of a fixed or adjustable rate.  Mortgage interest may be leveraged as a tax deduction (Consult a tax advisor on the deductibility of interest.)

FHA/VA Loans

Little or no down payment required.  Great for first-time homebuyers with a choice of a fixed or adjustable rates.   

Programs subject to change without notice.

 

 

We're In Your Neighborhood 

 

  How Much Can I Borrow?

How Much Will My Payments Be?

Fixed or Adjustable Rate?

How Much for my Downpayment?

 Should I Refinance?

What Are Refinancing Costs?

How Do Extra Payments Help?

What Home Can I Afford?

Obtaining a Pre-Qualification

 Refinancing Options 

 How to Read a Credit Report

 Should I Pay Points to Lower the Rate?

How Can I Repair My Credit?

 Negotiating A Lower Price

 Compare Mortgages

  Bi-Weekly Mortgages

Which is Better - 15 or 30 Years?

Downpayment Assistance

  We Say "Yes!" More Often

Many people are hesitant to inquire about a mortgage.  Many of our loans are approved on the spot during your first meeting. We offer a full range of traditional loans:

  • Conventional Loans
  •  Government programs
  •  No money down programs
  •  Interest only
  •  First time homebuyers programs


 



Contact Information:
Spokane - Downtown
1102 North Monroe
Spokane, WA 99201
Phone: (509) 326-8844
Cell Phone: (509) 216-3333
Fax: (509) 326-7990
Email: Ronald.Thomas@ncmc.com
Area Served:
Nationwide