The process was very easy to navigate, and Tom gave excellent advice on how to use the refinance to eliminate debt and build wealth.

We were able to get our home with zero down with basic lending . Our USDA loan closed, and Tom and his team got us into a home. Everything was done online . Couldn't have asked for our home buying journey to have gone any smoother. read more

Basis Lending - Home bought using Basic Lending LLC online home loans - Mortgage Brokers Near Me - Phoenix, Arizona

Tom has been excellent and courteous, we greatly appreciated his help and insight! He has been very proactive in assisting us

There are not enough characters in this box to articulate how amazing Tom has been through this process . He handles every obstacle with grace and understanding . Tom has a way of taking complex problems and simplifying them I would recommend him to anyone! Tom is the best in the business. read more

I'm an agent and I've worked with a lot of lenders over the years. Tom shines and stands out among the rest of them. He provided stellar service and results. He met all the deadlines, provided creative solutions and was extremely professional and collaborative all along the way. We had a highly sophisticated financial situation with our client and a short escrow and he made the whole process smooth and seamless. What I loved the most was that I trusted him and didn't ever have to check in to make sure we were on track. That way I was able to do my job while I knew he was doing his. Highly recommend. I'll use him again in the future. read more

I needed a mortgage on a rental to pay for a redo of a house built in the 70s. Being retired and widowed, there were a number of challenges that Tom Karmo patiently helped walk me through. Additionally, some computer needs were above my current use and Tom helped me with those as well. I'm So grateful to have gotten enough $ to redo the rental and raise the rent enough to cover the mortgage. Having worked with Tom in the past, I knew what a great, helpful person he is. read more

Tom was kind and understanding of my situation. He was not pushy and I genuinely felt like he was a partner to me, rather than trying to sell me. He was always there when I needed him and got me to the finish line with ease. I would highly recommend Tom with Basis Lending! read more

Very satisfied customer. Tom was very helpful and thorough throughout the whole home buying process! He was quick to respond when I had a question and worked hard to get me great rates and an affordable payment. I highly recommend Basis Lending and Tom! My situation was a bit complicated due to some life events and Tom worked around it and made it a non-issue which was very much appreciated. The process was fast to get pre-approved and any questions I had were answered quickly. read more

Tom was amazing to work with. He went above and beyond to find the best product for us and it really felt like he cared about helping us. He was always available to answer any questions we had. His knowledge and expertise made us feel like we got the best possible solution. 100% recommend. read more

Was referred to Tom Karmo at Basis Lending by our Real Estate Agent. We received professional and helpful service on our home purchase. Tom was easy to talk to and made sure we understood everything that was presented to us. We were kept informed throughout the whole financing process. We have not met in person but felt he genuinely cared about us as a customer. We could not have asked for anything more in the mortgage process. Thank you again Tom !!! read more

I have been working with Tom for 10 years. Tom and the team at Basis Lending know the industry in and out. Consider this... I was doing a new build in which I was given a $10k credit if I worked with the builder lender. They "assured me" I would not get a better offer than this... I brought the deal to Tom and not only was he able to match, but he even beat their offer on his own!! the lending industry can be confusing and sound complex but Tom is knowledgeable, friendly, and in this to actually help you, not just make money like other lending companies. I will always get a loan through Basis Lending. read more

Tom was clear and honest with the entire process. He did not try to talk me into doing something that I wasn't comfortable with. Most importantly I told him my situation and what I was looking for and he put all his effort into making that happen. When bumps came up through the process (which seems to happen no matter what) he reached out with clear communication. Tom's knowledge was off the chart and he gave me the most information possible and a few recommendations but most importantly he was clear on letting me make the final call. read more

Tom and his entire team were absolute wonderful partners to work with when purchasing my home. From the very first phone call with Tom, I immediately knew that we were in good hands and he could be trusted, even though I was overwhelmed trying to navigate an extremely complicated and unfamiliar situation. His complete understanding of the lending process was remarkable and he thoughtfully guided us through our own unique situation, ensuring we knew what all of our options were and what was needed at each step. Tom's unique experience with not just lending, but with the housing market and buying process itself provided us with even more knowledge and a much higher confidence level than we would have been able to get elsewhere. As a business owner myself, I was very impressed with how he ran his business, and was even more impressed with the dedication and personal touches he provided. Even being thousands of miles apart, the process was extremely smooth and organized. I would not hesitate to call again, and would recommend Tom and his team to anyone! Brilliant job! read more

My wife and I have worked with Tom Karmo at Finance of America to refinance and purchase a home. I couldn't recommend Tom more. He is knowledgeable, friendly, and makes the process smooth and simple. He responds to all questions quickly and provides clear explanations during the financing process. I've used other companies in the past and found myself anxious and overwhelmed, but that wasn't the case with Tom, he made sure the process was simple from our end. I will continue to use Tom for all future financing needs. read more

Very satisfied customer. Tom was very helpful and thorough throughout the whole home buying process! He was quick to respond when I had a question and worked hard to get me great rates and an affordable payment. I highly recommend Basis Lending and Tom! My situation was a bit complicated due to some life events and Tom worked around it and made it a non-issue which was very much appreciated. The process was fast to get pre-approved and any questions I had were answered quickly. read more

Tom Karmo and his team are awesome. I have done several mortgages and refis with him and every experience has been smooth and enjoyable. He showed a great deal of care and genuine interest in finding me the best terms for my given situation each time. He puts in the research and exhausts all possible solutions. I recommend his services to everyone looking for financing. He's just a good guy and you'll be in great hands with him. read more

Tom Karmo was incredibly amazing. Thomas is talented at his craft and financing, allowing for my first homebuying experience to be pleasurable and painless whil he worked his magic locking in a shockingly low interest rate. Tom's personality is friendly, easy-going, and transparent. Tom was very professional, productive, and efficient with our time. Tom was very responsive always available and with the extra mile working late nights early mornings including holidays. I am extremely grateful. I chose Tom as my lender because mother recommended him. Her recommendation was a huge gift but I gained trust in Tom through how he clearly communicated with me and my realtor.i felt even more comfortable after My realtor said, " Just got off the phone with Tom~ Happy you chose him as a Lender. Love the communication and everything on his part~ Wish all Lenders were more like him." Tom Karmo went above and beyond in a fashion that comes naturally to him with a diligent work ethic that delivers professionalism with a smile and warm fuzzies. read more

PCM seems friendly and helpful. And then I ran into something that even blew my agent's mind. I had a 4000 page review here but let me rewrite that and boil it down for you. If Kyren had his own Yelp entry, I would give him 5 stars. HE deserves 5 stars. But his company killed trust and they get the 1 star. Long story short: I had a deal fall through after inspection. The appraisal that came through was fraudulent. Tail wagging the dog to get a property to be worth about $25K more than it should have. What property gains 14% weeks after it was last sold (previous buyers relisted 3 weeks after closing due to buyer's remorse). Everybody was shocked at the appraisal using "comps" from a fancier neighborhood miles away, homes built 25 years after the one I was trying to buy. So the appraiser is a jerk and I'm handling that complaint separately. This one star isn't for him. But what really killed trust was this sequence of events: 1) Email Kyren that I'm going to complain to the appraiser. 2) Send appraiser a 4 page complaint about his appraisal and asking for resolution. 3) Appraiser writes back rather quickly with a very professional f*** you. 4) Email Kyren to tell him oh well, thanks, bye, I'm going to put buying something on hold. 5) Get back an autoreply from the company email server that I've been blocked as a spammer. You read that right. I got an email saying a CUSTOM RULE was created in the email system at Finance of America (evidently PCM's parent company) that I'm a spammer and I can't email Kyren. I try emailing Kyren from the other address he had for me. That one was blocked as a spammer too. I give up and assume that someone over there feels a little guilty about something that's going down with the appraiser. I can only hypothesise, guess, piece some things together, etc... I can't prove it. But I do opine and suspect that someone at PCM or the parent company whispered to the appraiser that Debbie won't have *another* deal fall through because of a really low appraisal... perhaps this one comes in at the contract price. And with the deal already dead and me freaking out over paying $475 for an unethical bucket of lies, perhaps the appraiser felt a little hung out to dry. And perhaps someone thought the best way to deal with me was to cut me off. Who can say, right? But it's all very interesting, isn't it. I think Kyren is a good guy with a good future. I trusted him. He was making me a deal I thought was good. He was helpful and attentive. HE gets five stars. But when a company or their parent company blocks both your email addresses as spam RIGHT after you complain to an appraiser... and magically you are UNBLOCKED after leaving a 1-star Yelp review... and Kyren can't seem to figure out how this happened... peeps, I am suspicious as all hell though not of Kyren. I think he had no idea this was going on. I would not work with this company again. If I stumbled into Kyren at another company, I'd give him another shot. That's just one woman's opinion. 28 Aug 2017 update: Biz owner leaves this reply: "You have a voicemail from me personally to go over this." 1) I don't. I have no call, missed call, or voicemail. So, no, you haven't contacted me. 2) I don't want to talk to you. I've spoken to a lot of people lately about this and about your company. There is nothing for us to discuss. Please don't be in touch and further waste my time. I'd like this to be in the past. Thanks. 2 July 2018 update: This biz is so attentive and wonderful that they JUST responded to a review I left a year ago. Are they still thinking about me? Talking about me? How creepy. read more

Tom Karmo what can I say!!! 100 Stars if I could! You made our dream house in California happen! Yes I did say California the state with crazy real estate prices. But you got all our "ducks" in a row....Pre-Approved ready to present an offer the buyer could not refuse. There are a lot of moving parts in buying a house and from my real estate agent, the title company etc. all spoke highly of Tom and Finance of America Mortgage. Sincere, honest, hardworking he and his team!! Looking forward to our next venture! read more

Tom was great. He was quick and knowledgeable. Did a refinance that other companies quoted me 60 days to close. Tom quoted 30 days and we got done within that time frame. Applied 1/19/21, closed on 2/12/21. Will use him when I need another mortgage in the future. read more

Tom Karmo has been absolutely amazing to work with. He has made the process quick and seamless. He's always there to answer our questions and provides exceptionally quick follow up. Tom Karmo is the man! read more

Tom and his team made refinancing quick and easy. Fast replies, streamlined process, great rate. Really couldn't ask for more. I'd recommend Tom and Finance of America to anyone. read more

Kyren helped us purchase our first home, and I don't think it could have gone any smoother. We spent about 6-8 months looking for a house, and Kyren was attentive the entire time. He never pressured us at all during the process and was incredibly patient while we found the perfect house. He was always available by phone, text, and email and as first home buyers, we had a million questions that he answered thoroughly. He was so diligent, we even had the option to close 3 weeks ahead of schedule. Kyren is the definition of professionalism, and our realtor even commented on how friendly he is. You can tell he's passionate about finance, always puts his clients first, and knows his stuff inside and out. We got incredibly lucky finding him, and we'll use him for any future transactions we have. I wish I knew more people looking to buy a house that I could send his way! read more

Tom and his team are amazing. Just bought my first home and Tom helped guide us through the loan process flawlessly. For such a high stress situation he was SO calm and so professional. I'm so grateful that we were referred to him and can't recommend him enough. Thanks Tom! read more

Had an incredible experience working with Mia and would highly recommend her for any of your mortgage needs. Her professionalism and punctuality are second to none. She walks you thru every step of the process and then some. It was a pleasure doing business with her and Finance of America Mortgage! read more

Tom Karmo at PCM, assisted our family with three consecutive home purchases for our family. My daughter, myself, and most recently, my son. He is the absolute best at what he does, I was kept informed every step of the way and I am thrilled I did not waste time somewhere else. If there were six stars available, he would have six. Peace of mind knowing your purchase is being handled with your best interests at heart, and done in a timely manner. In some cases, well ahead of expectation. I will absolutely call Tom again when it comes time for my youngest daughter to make her first home purchase. Thank you Tom, and PCM ;) read more

Tom was extremely knowledgeable and exceeded our expectations providing mortgage refinancing and consultative advise. It was like doing business with a friend. read more

Five stars should say it all! I am very impressed with this company and have referred them to all of my friends and family! My loan originator was in contact with me through every step of the process from start (getting my credit on track) to finish(funding and keys)! They kept me in the loop anytime a status changed and never once did I have to chase down information. It was great having the same point of contact throughout the process, as opposed to being passed around from one person to the next! They worked hard for me to get the job done and they will work hard for you too! read more

So helpful and easy to work with! Their staff are professional, patiently explain what is needed, and keep you informed each step of the way. read more

Tom Karmo and Sidney Allen were fantastic. This was our first investment property purchase in the US. We had a tight deadline for our coe but they made it happen. Also being from Canada presented a few challenges but we worked through them easily. We could not be more pleased! read more

I worked with Kyren Poe on my loan and we just closed last Friday. Kyren was absolutely amazing to work with. He was always there, nights and weekends, to answer any questions I had. He gave us great advice and made the process seamless. I would hesitate to recommend Pinnacle Capital or Kyren to any friend or family member looking for a mortgage. We got an amazing rate, too! read more

Tom Karmo was great, this is my 2nd transaction through Pinnacle Capital and my 1st time working with Tom. Professional, efficient and he kept us updated throughout the process, closing us on time and locking in a great rate. Both a new home purchase and now a refi have been the best I've experienced using Pinnacle Capital. Such a responsive team - they have my full endorsement and highest recommendation - definitely will use them again when I'm ready to buy our next property. read more

Tom did an excellent job assisting me with my recent home purchase. He was professional and prompt with all of his information and met the closing deadline which was important to the seller. He will definitely get any future business from me and any referrals. read more

I had a great experience with PCM, specifically with Tom. Everything was clearly explained to me and the process was simple. Tom always responded in a quick manner and made everything as easy on me as possible. I do believe he had my best interests in mind and strived to help save me money. I was completely satisfied refinancing my home with them. read more

Tom has assisted us with our mortgage financing needs since we moved to Arizona. Not just a one and done, but he continues to communicate and watch for situations, opportunities, and programs that benefit his clients. read more

We started our relationship with Tom Karmo back in 2016 when we were getting ready to sell our House in Phoenix and we were foreseeing the purchase of a Home in San Diego. Well, right from the first time we spoke to him over the phone we were impressed by his knowledge and also by the guidelines we had to follow in order to initiate the process with the right foot. He kept in touch with us every three months to follow up on our search and qualifications and finally by January 2018 we decided to start the process for the purchase of a brand new Home. It was not an easy one but he tried a million ways to get us qualified and to our amazement we got to the final steps and now we are enjoying our Beautiful House thanks to Tom's efforts going ahead and beyond. If you are thinking on getting the best reliable service on purchasing a Home, don't even think twice on sticking with him. We are deeply grateful with him. Best to you Tom!!! read more

Outstanding lender, went out of his way to make our transaction painless. It was our first home purchase and he made it very enjoyable. THANK YOU. read more

This review was posted because the Sales mortgage officer LIED in order to drag me in. The review is not on regards of the ability to get what i wanted from them but instead the lies that were used in order to switch and bait. Instead i refinance with a direct lender instead of a broker. No fees plus a credit :) read more

I dealt with Tom Karmo for my refinance and he made my experience the best. Made it very easy and easy to understand. I was going thru another lender before Tom, and cancelled them out as they were not as efficient and Tom and your company. Thank you Tom for being so professional, accurate, and kind. Outstanding job. read more