PROFESSIONAL PROFILE
Tom Mueller
www.centralbank.net/tommueller
Why TOM MUELLER and CENTRAL BANK are your best choice for a home loan!
I’ve been in the mortgage business for over 20 years, and have earned the Five Star Award – given to the top 3 % of loan officers in the St. Louis area for customer satisfaction - for SIX years in a row.
Central Bank is a 117 year old company based in Jefferson City, MO. We have 16 branches in the St. Louis area, and dozens more in other parts of Missouri. We are the official bank of the St. Louis Cardinals!
Honestly, most banks do an awful job of providing home mortgages. Far too many banks are a “jack of all trades, and a master of none!” In other words, they provide checking, savings, car loans, business loans, credit cards…and yes, mortgages, too! But mortgages are just one of a bunch of things they provide, and consequently they don’t handle them very well. And they typically do all of their mortgage processing and underwriting out of some centralized location – far away from where your loan officer is located. That’s why using a pure mortgage lender (i.e., a “mortgage banker”) is often the best option for consumers. However, at Central Bank, we are an exception to that rule! I work directly in the same office where everything is handled from start to finish. We have 50 employees right here in my St. Louis office that work solely on home mortgage loans. When it comes to handling your loan, there are five people that are dedicated to getting everything done. And it’s always the same five people (including me) for each of my clients – so we have a very smooth, efficient and friendly process!
We service our own loans. That means when we provide you with a mortgage, we retain the customer servicing on the vast majority of our conventional mortgages. So you’ll be making your payments to Central Bank in the years ahead, and we’ll continue to provide the customer service on your mortgage for the long-term. Most mortgage lenders sell their loans and don’t provide the customer service on that mortgage after your closing date.
Finally, I recommend that everyone make their choice of a mortgage lender based on three important criteria: 1) the loan officer; 2) the lender; and 3) what is being offered (mortgage product, interest rate, and closing costs). A lousy loan officer can give bad advice and/or misunderstand what a customers can qualify for - and ultimately not deliver what was promised. A great loan officer with great rates can work for a company that doesn’t have good systems and processes to deliver what was promised and/or deliver it on the day you’re contractually obligated to close. And finally, a great loan officer with a good company might just happen to have products, rates or closing costs that aren’t very competitive. I truly believe that with me and Central Bank, you’ll get the best possible combination of everything you could possibly want for the financing of your home!
I care! That’s the easiest way to explain who I am and what I do. You’re not a transaction, you’re a client for life…at least I hope you will be! I can only hope to prove that “I care” to you through everything I do from Day One through your closing date, when you get the keys to your new home.
PROFESSIONAL EXCELLENCE
Five Star Professional conducts market-specific research throughout the U.S. to identify service professionals who demonstrate professional excellence and provide quality services to their clients. The Five Star Mortgage Professional program is the largest and most widely published award program for mortgage professionals in North America, covering more than 40 major markets. Five Star award winners do not pay a fee to be included in the research or on the final list of award winners.
The Five Star Professional research team contacted thousands of recent homebuyers, consumers and industry leaders to identify St. Louis-area mortgage professionals who stand out in their industry and community.
To learn more about the research methodology, click here.
