Home - J Thomas Services - Mortgage Loan Officer Manatee County FL

J Thomas Services with

Core Financial Group

Thank you for the opportunity to work with us, we’re grateful to help you in obtaining a mortgage loan.

We work with the top wholesale lenders Nationwide with access to the best rates, programs and solutions for each client.

We help a significant number of people in the trickiest of situations that other big banks and mortgage companies can’t get approved or are able to help so one day we can make it a reality for you and your family.

This is something we personally take pride in when you work with us.

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Fully Licensed With Many Years of Experience

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Offering The Best Loan Programs & Rates In The Mortgage Industry

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Outstanding Service Catered To Each Individual Client

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Fast Reliable Closings With The Ability To Transfer Appraisals

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Fluent Communication Throughout The Entire Process

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Home Purchase

Whether you’re first time home buyer or someone who has had major credit events.
We have the best options & creative solutions to help you.

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Home Refinance

Cash Out Options based on any type of scenario.

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VA Loans

Proud Sponsor For All Veterans.
$0 Down Payment & Cash Out Options up to 100% Loan To Value.

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Foreign National Loans

Non U.S. Citizens With Valid Work Visas.
Second Homes & Investment Properties Only.

Thank you for the opportunity to work with us at Core Financial Inc. We are excited to help you in obtaining a mortgage loan and value your business! Fully licensed mortgage brokers with many years of industry experience. Our mission is to provide clients and business partners with outstanding service, fluent communication, fast reliable closings, and the best loan programs and competitive rates available. We work with many wholesale lenders with access to a variety of programs and solutions for each individual client. We can help a significant number of people that other big banks and mortgage companies can’t get approved nor help lead you so one day it’ll become a reality.

We promise to treat you with the highest level of respect, priority, integrity, and professionalism.
Please contact us any time we can be of service!

Below are some great program highlights currently available:
Purchase & Refinances- Cash Out Options: Self Employed Programs *Requires 2 years in Business*

FHA 3.5% & VA 0$ Down Specialist (Credit Scores as Low as 580 & 500 will need 10% Down)
Conventional Loans low as 3% Down (Credit 620+)
Jumbo Programs 10% Down up to 1.5 Mil (Credit 700+)
Super Jumbo: 40% Down to 10 Mil, 25-35% Down to 3-4 Mil, Cash Out up to 500k
Foreign National (25% Down) Investment Only, No US credit, Letter of Good Standing w/financial institute
Reverse Mortgages (Must be 62+) NO Mortgage Payment, only pays taxes & homeowners insurance
NON QM Investor (CashFlow) Qualify only on debt service coverage ratio 1:1, No Income Required
NON QM Qualify Assets Only or Recent BK, FC, SS (1-2yrs out), 1 x 30 on Mortgage Lates Allowed
ITIN (20% Down) Need 2yr income history- Loan amounts up to 1Mil
Manufactured Homes (Double Wide Only)
NON Warrantable Condos (Credit 660+) & Condotels reduce LTV 10%
Bank Statement 12-24 months (Credit 600+) Qualify Deposit Only: Personal 100%, Business 50%
1099 Only (Credit 660+, can use most recent 1yr or 2yr average)

     EXCELLENT  
     Based on 9 reviews 
    
 
 
   
 
 
        
   Michele Rochford 
 March 31, 2023
 
 
 Trustindex verifies that the original source of the review is Google. Had a 10/10 experience with Justin as my lender! As a first-time homebuyer I knew near to nothing about mortgages and how everything worked. I cannot thank Justin enough for his patience, transparency and professionalism from start to finish. He thoroughly explained every question I had, and always stayed in constant communication with all parties involved. He was even at my closing! Thank you again Justin, super grateful to have worked with you. Anyone in the market to buy a home, definitely contact Justin to be your mortgage lender!
  
 
       
   Ryan Overstreet 
 March 25, 2023
 
 
 Trustindex verifies that the original source of the review is Google. My wife and I worked with Justin on our recent home purchase and he worked very hard to make the process simple and easy.  We were very pleased with his efforts and have referred several friends and family to him as well.
  
 
       
   Omar C. 
 March 23, 2023
 
 
 Trustindex verifies that the original source of the review is Google. Hands down, the best!!  Did absolutely everything it took to get our interest rate and payment right where we needed it!

Looking for a mortgage?...do yourself a favor and talk to Justin.
  
 
       
   Kevin Kravetz 
 March 23, 2023
 
 
 Trustindex verifies that the original source of the review is Google. Great professional to work with, will get you the best number for your loan! As well as always getting you to the closing table on time
  
 
       
   Punchy's Garage 
 March 22, 2023
 
 
 Trustindex verifies that the original source of the review is Google. Justin made our refinancing quick and easy. I've referred him to my neighbors. Thanks Justin.
  
 
       
   John Linde 
 March 22, 2023
 
 
 Trustindex verifies that the original source of the review is Google. Best service in the city. I used JThomas Services a year ago and it was the best offering!!!
  
 
       
   Nicholas Jones 
 March 22, 2023
 
 
 Trustindex verifies that the original source of the review is Google. Justin went above and beyond to help me and my family get into our first home something I didn’t think I would be able to accomplish! He guided me threw the entire process and helped me every step of the way. I cannot say enough about how great he is as a mortgage consultant and just all around great person. Highly recommend him, he forever has my business! Thank you Justin for everything you do!!!
  
 
       
   Jason Barinas - Tampa 
 March 22, 2023
 
 
 Trustindex verifies that the original source of the review is Google. Justin is a consummate professional and always has the latest knowledge of the industry. He is not pushy which I like and takes care of all the finite details. He was great with finding me a mortgage I could afford at a rate that was better than the big box groups. He also followed up with me a year later when interest rates dropped and set me up on a refinance at 2.5% for 15 years essentially cutting my home loan in have for almost the same payment I paid for a 30 year. Excellent service.
  
 
       
   David Thurman 
 March 22, 2023
 
 
 Trustindex verifies that the original source of the review is Google. I’ve worked with Justin for many years.  He’s helped me tremendously on 2 different occasions with refinancing my home.  My current rate on my home is less than 3%.  Justin not only goes above and beyond to make sure you’re getting the best rates but also making smart decisions overall.  I would highly recommend talking to Justin and once you do you’ll see you’re in great hands.

About Justin

Native Floridian with an intense passion for helping others.
My background is in the medical field (Firefighter) & hospitality industry before avoiding a devastating car accident injury which led me to the financial realm called the mortgage industry for the past 8+ years.

Working with Core Financial as a brokerage, our team provides elite knowledge and service in our ever changing lending industry.
We have maintained a high level of consistency due to valuing relationships, endless amounts of hard work and our growing success with top tier wholesale mortgage lenders around the country.

We know how stressful it can be during these times, our goal is to make your process as smooth as possible while providing the utmost service you deserve.
Come see what it’s like to work with a seasoned company who offers the best programs and solutions to close your loan.

Respectfully,
Justin Thomas