Tom Pregano
Sr. Loan Officer
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NMLS ID# 2445475
Contact
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
About Tom
Tom Pregano is a Mortgage Loan Officer based in Michigan with a background in sales since 2014. He brings years of experience working with clients to understand their needs, build strong relationships, and guide them through important financial decisions. Tom focuses on helping homebuyers and homeowners navigate the mortgage process with clear communication and personalized support. Whether purchasing a home or exploring refinancing options, he works to provide solutions that align with each client’s goals. Known for his relationship-driven approach and commitment to service, Tom is dedicated to making the home financing experience as smooth and straightforward as possible for every client he works with.
I am licensed in: MI
Tom was always available and easy to contact when I needed him. Also, as a first time homebuyer, the process felt overwhelming at first. However, Tom made it as easy to understand and transparent as possible. I never felt lost in the woods or like I was waiting all day for replies. He made the closing extremely painless, too. I was expecting a far more exhausting day than I actually ended up having. I was glad that he showed up at the closing process to help me through it,. Overall, it was an excellent experience and I would highly recommend Tom.
Michael W.
Verified Customer
June 19, 2026
Tom was excellent from start to finish. Always immediate with responses. He also helped to make the closing process as quick and painless as possible. It felt like he was personally invested in helping me through the home buying process. Absolutely would recommend him to anyone.
Mawagner9723 N.
Verified Customer
June 18, 2026
Tom was there to answer any questions I had, kept me up-to-date on what my rates would be, and worked endlessly with me to ensure I secured a loan at the best possible rate for my new home!
Rachel A.
Verified Customer
June 16, 2026
I had a great experience working with Tom Pregano at Lower Mortgage. Throughout my transaction his communication was always clear and timely, which made the process feel smooth and much less stressful for everyone involved. He was professional, knowledgeable, and genuinely pleasant to work with from start to finish. I truly appreciated his responsiveness and teamwork, and I look forward to working together again in the future!
Kelly N.
Verified Customer
May 20, 2026
As the headline says, Tom was great! As a first time homebuyer, I greatly appreciated his guidance. He was very timely with communication, always available to answer my questions. Highly recommend!
Ashley C.
Verified Customer
May 20, 2026
How much house
can I afford?
Fine-tune your payment based on interest, rates, term, and down payment.
Est. Monthly Payment
(P&I, Taxes & Insurance)
Est. Affordable Purchase Price
$1,814.04Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Includes estimates for taxes (~1.1% annually), homeowners insurance (~0.5% annually), and PMI (~0.85% annually when down payment is below 20%). Does not include HOA fees. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.