Tom Gobeli - Draper and Kramer Mortgage Corp. NMLS 188989

Draper and Kramer Mortgage created the DK Buyer’s Edge program to provide qualified buyers with pre-underwritten loans for stronger offers and a streamlined home financing experience.

-Download the DK Xpress™ app for a quick & easy preapproval
-Your preapproval starts the process & shows you how much house you can buy
-Then DKMC pre-underwrites your loan, helping you stand out against other offers
-After signing a contract, your pre-underwritten financing process will be smoother
-Most loan types offer an option to float down to lower rate if available within 25 days of closing

Insurance is often a good thing, but the sooner you can get rid of private mortgage insurance, the better. Learn about the options for early PMI removal.
Tom Gobeli's Mortgage Matters

How to remove private mortgage insurance early Insurance is often a good thing, but the sooner you can get rid of private mortgage insurance, the better. Learn about the options for early PMI removal.

Buying a home? Consider factors like liability protection, personal property coverage and deductibles to be sure your home is adequately insured.

Embarking on the journey of buying your first home is an exciting endeavor. However, amid the excitement, it’s easy to stumble into common pitfalls that many first-time homebuyers encounter. From overlooking crucial details to underestimating financial aspects, these missteps can turn what should be an exciting milestone into a stressful experience. In this short guide, ...
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Tom Gobeli's Mortgage Matters

7 first-time homebuyer mistakes to avoid Planning to buy your first home or know someone who is? Here are seven common pitfalls to avoid for a more rewarding home purchase.

On Patriot Day, our nation remembers and honors the lives lost, the heroes who selflessly served and the resilience of our nation.

Americans have a love affair with credit cards. There are roughly 570 million credit card accounts in the country – equal to about two cards for every adult. However, despite this widespread prevalence, many Americans still believe one or more credit card myths. As a result, these people may be harming their credit scores, paying ...
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Tom Gobeli's Mortgage Matters

The truth behind common credit card myths Three out of four adults use credit cards, but myths persist about how these financial products work. Do you know the truth behind these common myths?

Happy Labor Day, from me and my team! Over this long weekend, we'd like to take a moment to recognize the dedication of America’s workers - shaping this great country into what it is today!

It can be overwhelming to manage all your expenses and income without a dedicated plan. Creating and following a budget allows you to spend money with confidence without losing track of your financial goals. Follow these steps to develop and maintain a budget that aligns with your lifestyle and financial plans. Track your spending The ...
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Tom Gobeli's Mortgage Matters

How to create and follow a budget Do you know where your money is going? To track your finances, spend with less guilt and reach your goals sooner, check out this simple budget guide.

The benefits of homeownership are aplenty, but it's also a commitment. By understanding your responsibilities and planning for expenses ahead of time, you'll be better prepared when you find your dream home!

First impressions can matter, and that’s true when it comes to your home as well. Whether you’re preparing to list your home for sale or you’re just looking to elevate its exterior appearance, there are simple steps you can take to boost your property’s curb appeal. Impress your neighbors and any potential buyers with these ...
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Tom Gobeli's Mortgage Matters

Tips to boost your home’s curb appeal Whether you’re planning to sell your home or just want to give it an exterior makeover, these tips can help elevate the curb appeal of your property.

Considering the potential returns on your home purchase can pay off in the long run. Reach out to me to learn more!

Including kid-friendly features in your home’s outdoor spaces encourages children to unplug and enjoy the outdoors without having to leave your property. Whatever your home style is or the yard space available to you, check out these ideas for outdoor features that kids will love. Liven up your landscaping If you have kids or pets, ...
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Tom Gobeli's Mortgage Matters

Simple ways to make your outdoor space more kid-friendly If you have kids and are looking for ways to keep them active and entertained, here are some fun features to consider for your home’s outdoor spaces.

Ready to make the move from dreaming to owning? Let's talk about a financial game plan to help you become a proud homeowner! From setting a budget and building a down payment fund to exploring mortgage options, let's navigate this exciting journey together. Your dream home awaits – let's make it a reality!

Draper and Kramer Mortgage Corp. and its employees do not provide credit, financial planning, investment, tax, accounting or legal advice. This material has been prepared for general informational purposes only and is not intended to provide and should not be relied on for such advice. Do not act or refrain from acting on the basis of this material without first consulting a qualified professional for advice.

More than 43 million Americans have student loan debt, with the average borrower paying around $200/month. Student loans can open the door to a valuable education and a rewarding career, but carrying and paying off that debt can be a financial burden and a barrier to homeownership. While it can be more challenging to get ...
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Tom Gobeli's Mortgage Matters

Can you get a mortgage if you have student debt? Even with student debt, homeownership is possible. Learn how those who have student loans can strengthen their qualifications to finance a home purchase.

Five to ten years can seem like a long way off, but don’t overlook your future plans when beginning your home search.

Your credit scores are simple numbers that can have a big effect. Everything from the credit card offers you receive in the mail to how much you pay on a new loan may be impacted by your credit scores. If your scores aren’t as strong as you think they are, buying your next car, home ...
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Tom Gobeli's Mortgage Matters

How to check and understand your credit scores for free Do you know what your credit scores are and what they mean for your credit health? If not, here’s a crash course on how to find out at no cost.

Did you know that buying an energy-efficient home may lead to substantial savings on your monthly bills? 🏡💡 Not only will you be reducing your carbon footprint, but you'll also be putting more money back in your pocket. Reach out today to learn more about what to look for!

Homeownership can be a rewarding investment, but the upfront costs are one of the biggest barriers to buying a home. Many people believe they need tens of thousands of dollars to purchase a property, but much more affordable options may exist. Here’s an overview of just how much cash you may need to buy a home. ...
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Tom Gobeli's Mortgage Matters

How much money do you need to buy a home? It’s easy to find the asking price of a home for sale, but how much cash do you need to buy one? Here’s a helpful guide to the upfront costs of homebuying.

Once you’ve found a home you want to buy and signed a real estate contract, you’ll typically want to order a professional home inspection. While getting an inspection is generally not required, and the cost is usually your responsibility, it is a highly recommended step to help protect you from potentially costly surprises with the home’s ...
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Tom Gobeli's Mortgage Matters

What to expect during a home inspection Buying a home is a big investment, and a home inspection can help ensure that investment is a sound one. Learn what to expect during this important step.

Summer is well underway, and there are many ways to embrace the warmth and sunshine. A few simple adjustments to your decorations and living spaces will allow you to bring the refreshing feel of summer into your home. Check out these tips to open your doors to the season. Grab the Greenery Take advantage of ...
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Tom Gobeli's Mortgage Matters

Tips to open your home up to the outdoors this summer Bringing a bit of the outdoors inside can be a great way to enhance your home. Here are some ideas on how to do just that this season.

There’s no time like summertime! With the arrival of the new season, you may want to consider performing some tasks around your home to get it in tip top shape for summer. As with all seasonal upkeep, summer maintenance is important to preserve the function, safety and value of your home. Use the checklist below ...
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Tom Gobeli's Mortgage Matters

Make summer maintenance simple with this handy checklist Is your home ready for summer? Make sure it is with this simple home maintenance checklist.

Owning your home provides you with many benefits and protections. However, homeownership also comes with responsibilities, including the need to protect yourself from certain scams. Here are some examples of common scams that target homeowners and how you can guard against them. Home warranty scams This scam is an attempt to pressure you into buying ...
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Tom Gobeli's Mortgage Matters

Beware of these scams that target homeowners Don’t let a scammer spoil your homeownership experience. Learn how to recognize and guard against common scams that target homeowners.

Home Equity Lines of Credit allow you to borrow against your home’s equity and get cash as needed. This is great for things like home remodeling or renovations. Interested? Let’s talk today!

5.0 star review received on Experience.com for Tom Gobeli by Andrew L R - Tom was proactive about so many things and just made the process less stressful!

New ★★★★★ 5 Star Experience.com Review by Andrew L R Click to see all 130 reviews of Tom Gobeli, Vice President of Residential Lending NMLS 188989

If you’re thinking of buying a home, you may be aware of a challenge that has appeared over the past year. After the period of record-low mortgage rates that lasted from about 2020 through 2021, rates have since risen back to a level that was last seen in the 2000s. This means that financing a ...
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Tom Gobeli's Mortgage Matters

Strategies for buying a home when mortgage rates are higher Are you hesitating to purchase a home due to higher mortgage rates? Check out these cost-saving strategies that may allow you to buy sooner.

Homeownership is a big goal for many people, and nothing makes me happier than helping folks achieve that dream! Are you a first-time homebuyer? There are low down payment products and programs available. So, buying a home may be closer than you think. Let’s get started today!

With summer on the way, more people are once again enjoying their homes’ outdoor spaces. If your deck, patio or balcony isn’t living up to its potential, consider adding a few upgrades to get more from your outdoor space. Here are some ideas to enhance the open-air amenities of your home. Find a Function Before ...
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Tom Gobeli's Mortgage Matters

Tips to make the most of your home’s outdoor space Enjoy spending time on your deck, patio or balcony? Check out these ideas to improve your home’s outdoor spaces.

One of the many benefits of homeownership is that upgrading your home not only adds to your enjoyment but also often increases your home’s value. However, if you’re planning to sell your home, some improvements aren’t worth the cost. Here’s a list of updates you should probably skip when preparing to put your home on ...
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Tom Gobeli's Mortgage Matters

What not to update or fix when selling your home Fixing up your home before listing it for sale can help it sell faster and for a higher price. But some upgrades and repairs aren’t worth the cost.

It's no secret, renting = 💸 and owning your own place is an investment in your future. The best place to start is talking to a licensed mortgage professional. Give me a call!