Tommy Heller
Tommy has a keen interest for the natural world and enjoys freediving, plants and unique pets. Tommy is also an avid traveler that has explored over 70 countries! He and his Australian husband, Cody, have returned to the US after 3 years living down under. With so much time on the road, he knows the importance of having solid roots back home. These experiences have inspired a passion within Tommy to assist veterans through the loan process and in establishing roots in their new communities.
Tommy Heller
Loan Officer Team Lead NMLS #2053002
| Office | 800-814-1103 x7655 |
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| tommy.heller |
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| Address | 111 Corporate Office Drive, Suite 400, Earth City, MO, 63045 |
Reviews
See what 326 customers have said about Tommy Heller
This team reminded me that as a veteran I had some special benefits and they helped me to maximize my buying power with comfort and ease. This was a big decision for me, and I can not say enough times how much their confidence helped me out!!
Second time using Tommy and his team, was not disappointed. Great work, communication and service. He and his team are the best!
5 stars service, 14 days from contract to close, and they paid ME at the table.As a veteran buying a 1970 estate-sale home with a repair amendment and a tight closing date, I expected complications. Tommy Heller and Shannon Brown delivered the cleanest transaction I could have asked for: application to conditional approval in 2 days, clear to close in 9, and we closed a full week EARLY 14 days total on a VA purchase.What stood out:
• Transparent pricing. When I asked about lender credits, Tommy sent the full rate ladder with the credit at each tier so I could choose for myself. I locked 6.5% with a $2,161 credit, my decision made with real numbers in front of me.
• Everything in writing. I asked for text/email over calls and they honored it completely. Every rate, fee, and timeline answer is documented in my inbox.
• They put skin in the game. When I flagged that my rate lock expired on closing day, Tommy quantified the extension cost to the dollar ($49.40/day) and offered in writing to cover several days himself if it came to that. It never did because they closed me early instead.
• VA expertise that showed. Funding fee exemption handled right the first time, my 100% P&T property tax exemption correctly reflected as $0 escrow, and a negative cash to close they literally paid me $384 to take my keys.One tip for fellow veterans: ask for the full pricing grid with lender credits at each rate early in the process, once I asked, Tommy delivered completely and it transformed my cash to close.
Tommy and Shannon ran this file like professionals who close VA loans all day, because they do. Ask for them by name.Enrique D., San Antonio, TX Advanced Datacenter Technician, U.S. Army 1st Cav veteran.
2nd time working Tommy and his crew, couldn’t ask for better team!
I worked with Tommy Heller, and I can’t be happier with the patience and knowledge he had for us. It was a wonderful experience. Would definitely recommend him and his team.
