Thomas Bowen

Job Title
Loan Officer
Career Started
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Reviews are independently sourced by LENDAID from closed loan customers to ensure true, unbiased feedback of the loan officer's customer experience.

About Thomas Bowen

I grew up outside of Philadelphia and graduated from the University of Vermont in 1996. After graduation, I worked several years as a firefighter for the US Forest Service in California. In 2003, I began my career as a Loan Officer and have been full-time ever since. My expert team and I bring more than 100 years of combined lending experience. I have helped hundreds of clients with their home financing needs. I am dedicated to not just working with you from application to closing, but will continue to service and be your point of contact for any questions or needs long after settlement. I believe in a strong customer service focus. Whether you’re buying or refinancing a home, I have your best interest at heart. Buying a home can be an overwhelming experience, so I believe in having one-on-one meetings with my clients to better educate them on their options. First Home Mortgage Corporation NMLS ID #71603 (

Thomas's Reviews

4.8 Stars - 69 Reviews
"Nice and easy to work with"
Refinance - Forest Hill, Maryland August 2019
"Tom was great to work with and very patient with us as FTHBs. We're very grateful for all the support from him and his team."
Buying - Olney, Maryland August 2019
"Tom did an excellent of job of explaining each step and remaining patient even through many questions, which were likely redundant."
Buying - Gainesville, Virginia July 2019
"Thomas was amazing from start to finish. He was a huge part in making my first home buying experience one to remember!! Thanks Tom for helping me purchase my first Home!!!"
Buying - Manassas, Virginia July 2019
"Tom was always available and brought a personal touch to the experience."
Buying - Catonsville, Maryland September 2019
Buying - Stafford, Virginia September 2019
"Tom is always a pleasure to work with"
Refinance - Owings Mills, Maryland October 2019
"Tom was great. Very knowledgeable, especially around specifics related to our personal situation (100% disabled military veteran). He was quick to respond and patient with our many questions. Also just a very personable guy who was a pleasure to work with!"
Buying - Millersville, Maryland October 2019
"Thomas is excellent and i would do business with him again. No doubt !"
Buying - Alexandria, Virginia November 2019
"Always professional, helpful and available!"
Refinance - Upper Marlboro, Maryland December 2019
Buying - Woodbridge, Virginia December 2019
"Mr. Thomas and his associates are friendly and professional. They helped me through every step of the loan process, and explained everything I was unsure about. They stayed in contact, always responded to emails quickly, and gave me regular updates. My realtor said that Thomas was easy to work with as well. In the end, I got my loan and my condo so I'm about as satisfied as I possibly can be with First Home Mortgage."
Buying - Winter Haven, Florida January 2020
Refinance - Halethorpe, Maryland January 2020
"Always professional, helpful and available!"
Refinance - Upper Marlboro, Maryland February 2020
"Tom is very knowledgeable in Mortgage loans. He's extremely easy to work with thanks to his sincerity. There were many issues that came up but Tom handled them professionally, he's very good. There were several issues because of our financial and credit rating. I never thought that I would find someone to help make my dream come true. Thanks Tom, you did it for us and we appreciate the hard work that you did. The customer/service relationship we shared just couldn't have been better. Should anyone be fortunate enough to have Tom work for you, take my word, your'e in good hands."
Buying - Triangle, Virginia March 2020
"Thomas was very patient and kind with us. We were especially appreciative to have Thomas working with us as we went through our first home buying process. Thomas provided critical information that really helped make the entire process clear for us."
Buying - Bristow, Virginia April 2020
"Always a pleasure to work with Tom, Chris and the rest of the team."
Refinance - Ellicott City, Maryland May 2020
"Great customer service, very knowledgeable!"
Refinance - Manassas, Virginia May 2020
"It was a great experience. I will use Tom and First Home Mortgage if I ever purchase a home again."
Buying - Accokeek, Maryland May 2020
"Mr. Thomas was down to earth and very gentle. He is a good listener and patient. Very informative. I like Mr. Thomas."
Buying - Oxon Hill, Maryland May 2020
"Thomas was professional, responsive, and went out of his way to help my family. I will recommend him to friends."
Refinance - Gainesville, Virginia June 2020
"Tom ROCKS!"
Buying - Bowie, Maryland July 2020
Buying - Bel Air, Maryland July 2020
"Tom was thorough and informative on providing me with all the details of my refinance. He was always contactable in a short period of time. "
Refinance - Dumfries, Virginia July 2020
Refinance - Germantown, Maryland July 2020
"The entire process was pleasant and efficient."
Refinance - Norfolk, Virginia August 2020
"Quick to respond to emails and phone calls. As professional as they come. "
Refinance - Centreville, Virginia August 2020
"I had a terrible experience with Tom. He did not communicate with us when things changed. Our settlement date changed 4 times because of him and sometimes we were not even aware that the date was changing. Also, he said we could put the down payment amount down that we selected. Months later the story changed that I had to put 15% down. Two weeks later he says I now have to put 20% down. I asked why the change, he said it was mandatory in PA to put 20% down when purchasing a multi-family with the loan product that HE SELECTED FOR ME. He should have been aware of this the whole time instead of informing me after the first 3 settlement dates had come and gone and been changed for other issues on his end. Unbelievable. It seemed like he was looking for reasons for me to not get the house instead of working with us on the same team. I had to consistently call him and his underwriter Denise back just to make sure they were completing their responsibilities to make sure we could get the house. A total nightmare."
Buying - New Cumberland, Pennsylvania August 2020
"Tom and the team at First Home were great during a time that was pretty stressful for me and my family. I'm thankful the home-buying process was handled so professionally, alleviating any additional stress. "
Buying - Woodbridge, Virginia September 2020
"My wife and I found Tom to be very professional and always very accommodating. Our second refi through Tom, it was such a relief to have an agent who proved to be sincerely concerned about our benefit."
Refinance - Baltimore, Maryland September 2020
"Always a pleasure! No matter what I need, Tom finds a way to get it done!"
Refinance - Leesburg, Virginia September 2020
"My experience with Thomas and First Home Mortgage started out great. Thomas put together a really great mortgage package for us and helped us quickly put together several offer packages for properties. I couldn't have asked for a better experience up front. And, truth be told, in the end, we still managed to end up with a great mortgage and we are very appreciative of that. I've given lower ratings overall because our experience as we approached closing was less than ideal. The underwriting team took much longer than expected and that forced us to push back our closing date a few different times. This required addendums to our contract and thankfully did not scare off the sellers. There were missteps during the underwriting process that caused even more delays than were necessary. In addition, the team had missed several required documents and that forced me to scramble to pull together documents to try and meet our scheduled closing dates, which we inevitable did not meet anyway. What's worse, the team tried to push some of the blame back on us saying that had thye received certain information earlier on we wouldn't have needed to scramble and push back the closing date as much as we did. But, we had confirmation from our settlement agency that the documentation in question was indeed submitted to the lending team very early on in the process so it was again, something that was missed. As I said earlier, in the end we made it to closing with a great mortgage package which we are very grateful for. To say that the experience left a bad taste in our mouths would be a massive understatement. We will not be working with them again in the future."
Buying - Stafford, Virginia September 2020
"Tom was super helpful. He answered all of our questions thoroughly and quickly. The process was simple and fast. We couldn't be happier!"
Refinance - Alexandria, Virginia October 2020
"Mr. Bowen was knowledgeable, very responsive, and attended to our needs. During this difficult and stressful process he provided us with the upmost support, making us feel at ease and that we can trust him and be confident about the outcome. We will definitely recommend Mr. Bowen and First Home Mortgage."
Buying - Fort Belvoir, Virginia October 2020
Buying - Ashburn, Virginia October 2020
"Fast, friendly, accurate and professional. Tom always takes a real interest in his clients and it is evident in the way that his files are handled."
Buying - Fort Lauderdale, Florida December 2020
"Thomas Bowen and the team at First Home Mortgage are top notch! The professionalism and customer service we received was hands down the best experience. I would recommend Thomas Bowen and the First Home Mortgage Team to anyone."
Refinance - Gainesville, Virginia December 2020
"Tom is the best lender I've work with. He goes above and beyond and his communication skills is one to admire . "
Refinance - Laurel, Maryland January 2021
"Quick, informative, responsive, and super friendly!"
Buying - Falls Church, Virginia February 2021
"Mr. Bowen and the entire First Home Mortgage staff have been absolutely wonderful. Mr. Bowen is incredibly kind and very personable. He truly does care about his clients and it really shows. I am blessed to have been able to work with him twice. "
Refinance - Randallstown, Maryland February 2021
Buying - Woodbridge, Virginia February 2021
"Tom was very personable and always readily available/knowledgeable to help us through our first-time home buyer process"
Buying - Bowie, Maryland April 2021
"Thomas was very professional and friendly. He is knowledgeable and very attentive to his work and the needs of his client. "
Refinance - Aldie, Virginia April 2021
Buying - Washington, District of Columbia May 2021
Buying - Alexandria, Virginia May 2021
"Thomas has truly looked out for the best interests of my family. He gives honest, straight-forward advice and I would definitely recommend him and First Home Mortgage to anyone."
Refinance - Gainesville, Virginia May 2021
"Tom is very accessible both via phone and email. He is attentive to detail and does his best to ensure that your mortgage needs are met. He works tirelessly to help make your dream of homeownership come true. I highly recommend Tom!"
Buying - Owings Mills, Maryland May 2021
"'€œTom was great to work with. He made the process as easy as possible and was the best person we could have worked with.'€"
Buying - Falls Church, Virginia June 2021
"Honest and informative"
Buying - Manassas, Virginia June 2021
"Tom and his team were very thorough in explaining each post of the process to us. They were very methodical in ensuring we got everything to them in a timely manner. Highly recommend! "
Buying - Fairfax, Virginia June 2021
"Tom and the rest of the First Home Mortgage team was absolutely fantastic throughout the entire process. I ended up giving Tom a call in January to express my interest in buying a home. He was patient, friendly and answered any questions I had at any time of the day. I can't say enough good things about Tom and how smooth he made the process for me. If you want someone who understands your needs, whether you are a first time home-buyer or a recurrent one, Tom will get you squared away and make sure everything is as easy as possible. Tom, thank you and I look forward to working with you in the future! God Bless!"
Buying - Fredericksburg, Virginia June 2021
"fantastic experience"
Refinance - Bethesda, Maryland August 2021
"I appreciated the work done for me, I did not feel that everything about my final payments/costs was up front. In the end I got a great rate but am paying a much larger monthly payment due to the timing of the refinance...would have been a good thing to let me know to wait or rush to finish to avoid that, AND I wasn't informed until closing."
Refinance - Fairfax, Virginia July 2021
"Thomas and his team were friendly, quick to respond, and truly seemed like they cared about my home buying experience. "
Buying - Baltimore, Maryland July 2021
"Tom is a true professional. He understands the needs of the individual as well as the needs of the people that will review my file. It is refreshing to have an individual understand reality and provide advice while guiding us thru an easy close. "
Refinance - Manassas, Virginia August 2021
"Thomas Bowen is the man!!!! Very responsive, helpful. I will definitely send my friends and family members to him."
Buying - Spotsylvania, Virginia September 2021
"He was very helpful and took me through my first home buying process. Highly recommend him!"
Buying - Mineral, Virginia October 2021
"Always willing to help and gives the best advice!"
Refinance - Leesburg, Virginia October 2021
"Was extremely helpful and patient. Thomas was able to explain all my questions and processes in a way that was easy to understand."
Refinance - Parkville, Maryland November 2021
"Very nice, and thorough about all questions I had. "
Buying - Baltimore, Maryland November 2021
"Thomas and First Home Mortgage were great from start to finish! Thomas was able to provide sound advise in a very competitive "sellers" market. As the buyer in this market, he was able to quickly and efficiently provide the sellers agent our ability to prequalify for the loan. His personal skills helped to put our offer above the rest. I highly recommend Thomas and First Home Mortgage for your home buying needs!"
Buying - Alexandria, Virginia March 2022
"Tom and the first home team were amazing , from start to finish. They kept me informed every step of the way, made sure I understood every aspect of my loan process. I couldn’t have asked for a better experience and I truly appreciate their time and effort. Thank you Tom and the first home team!!"
Buying - Waldorf, Maryland April 2022
"Very friendly and not afraid to answer whatever questions we had. He always seemed to be reachable whenever we called ."
Buying - Chesterfield, Virginia March 2022
"Tom had many strengths that worked well for someone in the Mortgage business. He showed great patience with me as a first-time homebuyer with almost complete ignorance. He was knowledgeable about policies for my down-payment assistance programs. He was communicative from the get-go regarding next steps, previous steps, and final steps. He was consistently explaining and contextualizing each step in the process, and he was willing to go into as much detail as I needed/wanted. I have and will continue to recommend that people dear to me work with First Home Mortgage and Tom Bowen. "
Buying - Baltimore, Maryland March 2022
"Great Experience overall and would definitely recommend Tom."
Buying - Columbia, Maryland April 2022
"He is the Best ever and very patient, i hope they can have a hundred more of Thomas, that would be a heck of a company."
Buying - Stafford, Virginia May 2022
"Thomas Bowen was an excellent asset during my journey of home buying. Very knowledgeable and was able to explain every step of the process in best way. Extremely professional and courteous. Friendly and going out of his way to help us. I am so grateful to his excellent service. "
Buying - Salisbury, Maryland June 2022
"Was able to help me understand the process with ease."
Buying - Capitol Heights, Maryland July 2022
"Tom explained every step of the process and we went through each phase of the loan process. It was overwhelming and he was always available to walk me through it. I appreciated that the most, even if it was repetitive."
Buying - Upper Marlboro, Maryland September 2022

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