Tom Kowalchik

Tom Kowalchik NMLS 131346 Phone: (717) 842-0731  

I entered the lending business by accident in 1999. An opportunity at the right time in the right place. Here, 20 years and hundreds / thousands of clients later, I find myself in an industry in transition. Many have gone and fewer are getting in.

I fully believe the ‘trick’ to this business, as any, is education. Staying on top of everything that is changing as well as communicating that is a primary goal.

Outside of office most of my time is spent with my family. My wife of 25 years, Renee, and our two boys Nate, 16 & Matt 11, Between work and them there is barely time to squeeze in the occasional golf game.

Specialties:  Using residential finance to help clients cash flow, build real estate strategies and conserve wealth while saving money on income, capital gains and estate taxes.

Best part of my job:  Educating buyers.  Taking someone down the path of home buying with options that were never explained to them before.


NMLS ID 131346