Tom graduated from UC Berkeley with B.S. and B.A. degrees in Political Science and Business Administration.
Upon graduation, he began his mortgage career with Pacific States Mortgage in Oakland, CA. In 1967, he opened a branch for Weyerhauser Mortgage in Hayward. In 1971, he decided to start his own company, Cal-Bay Mortgage, which was headquartered in Hayward.

Tom originated loans at a high level until 1987. His highest production in any one month was 135 loan applications. In August of 1987, he decided that he wanted to change his focus in the industry and instead of originating personally, hire and help other loan officers grow their mortgage careers.

Tom did this very successfully through the '90's when Cal-Bay had as many as 8 branches and 80+ loan officers. Tom met Jeff May, the president of Cherry Creek Mortgage Company, and Stacey Harding, their national production manager at Todd Duncan's Master's Coach program in 2000 and developed a rapport based on their similar ideas and beliefs in growth and performance.

As a result, Tom asked his partner to buy out his interest in Cal-Bay in December 2000 and made a commitment to open a new chapter in his career by starting a net branch for Cherry Creek in Pleasanton, CA in January 2001.

Tom's Vision

To become the Nordstroms of the mortgage business in Northern California by bringing a level of service, value, and financial expertise to our clients and referral partners that is unsurpassed by any other lender.

Our Core Values

1. Honesty and integrity in everything we do.
2. High standards that guide everyone to greater levels of success in the organization.
3. Continuous, never ending improvement and growth--never being satisfied.
4. Delivering what we promise in the time frame we promised it, which will lead to all clients to excitedly return to us
over and over again and willingly refer all their friends, family and co-workers to us.
5. Making a fair profit that allows for both future growth and maintenance and improvement of the services we now provide.

Core Purpose

1. Clients--To experience the joy of helping people achieve their dream of homeownership and the satisfaction of assisting people reach their goals in other financial areas of their lives as a result of our expert knowledge , consultation, and the ability to refer them to capable financial advisors in these fields.
2. Referral partners--To assist our referral partners become as successful as possible in their business and their life.
3. Cherry Creek loan officers and support staff -To help those loan officers that I work with to close the gaps between where they are today and where they want to be relative to success. To assist them in achieving balance in their lives by creating a life plan, a business vision, and a business plan.

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