THM Mortgage is an independent Mortgage Broker based in Orange County, California. We currently originate loans in California, Florida, Texas, and Idaho. Our team has more than 20 years in combined experience in the mortgage industry. Our main goal is to make the process of securing a mortgage loan as effortless and stress free as possible.
Posted on Google bonita dongTrustindex verifies that the original source of the review is Google. Thank you Tamer for your help and support during our family's first home buying experience. Tamer took his time to walk me through the entire process of purchasing a property. There are a lot of things to understand to secure a mortgage and I felt that Tamer really did his best to find the best solution for us when others may not have been so patient and willing. If you are preparing to buy a new home, I highly recommend getting in contact with Tamer to start your approval and consulting.Posted on Google Wagner AlvarezTrustindex verifies that the original source of the review is Google. Tamer Ibrahim at THM Mortgage, LLC is the reason my wife and I are homeowners today — and I also want to give a huge thank you to Lydia, because she helped a lot during underwriting when things get detailed and stressful. We needed a team that actually understands underwriting conditions, documentation, timelines, and how to keep everything moving without confusion. That’s exactly what Tamer (and Lydia) did. What stood out most: 1) Communication and honesty (Tamer) Tamer explained the process clearly from the beginning: what underwriting would ask for, what could slow us down, and what to prepare ahead of time. No surprises, no vague answers — just clear steps and real guidance. 2) Underwriting support (Lydia) When we got deeper into underwriting, Lydia was extremely helpful. She was patient, responsive, and detail-oriented. Underwriting can feel overwhelming because they ask specific questions and need clean documentation — Lydia helped us stay organized and made sure we handled items correctly so the file wouldn’t get stuck. 3) Organization + speed (both) This team didn’t let things sit. They followed up, kept us updated, and pushed the process forward. When we had questions, we got answers quickly. That kind of responsiveness makes a huge difference when you’re on a timeline. 4) Professional and respectful Buying a home is stressful. Tamer and Lydia never added stress — they stayed professional, calm, and supportive the entire time. 5) Results Most importantly: we closed and got into our home. That’s what matters. If you’re looking for a mortgage team that’s knowledgeable, honest, and actually gets it done — especially if your loan requires extra attention — I strongly recommend Tamer Ibrahim and Lydia at THM Mortgage, LLC. Thank you both for helping my family make this happen.Posted on Google Michael WagdyTrustindex verifies that the original source of the review is Google. My family I had an excellent experience working with Tamer Ibrahim. He is extremely honest, professional, and truly dedicated to helping his clients. In a very short time, he helped me secure a loan and achieve my family’s dream of owning a beautiful home at a great price. What made this experience even more impressive is that the seller had given us a very tight deadline due to upcoming travel, which was a real challenge. Despite that, Tamer handled everything efficiently and made sure we met the timeline without any stress. He was always responsive, patient, and clear in explaining every step of the process, which made everything smooth and stress-free. I genuinely appreciate his hard work and support throughout this journey. I highly recommend Tamer Ibrahim to anyone looking for a trustworthy and efficient loan officer. Thank you for making this dream come true! Thank you so much dear Tamer And great thanks for your team.Posted on Google Bishoy YousefTrustindex verifies that the original source of the review is Google. Buying a house was so convenient with TMH — especially thanks to Tamer! He’s such a knowledgeable and experienced broker, always easy to reach and a pleasure to work with. The whole process was smooth and hassle-free. I definitely recommend TMH for any future loan applications!Posted on Google DenizTrustindex verifies that the original source of the review is Google. Tamer was fantastic to work with! He was always available and communicated clearly throughout the entire process. He took the time to explain every detail and even answered questions that our realtor should have covered. Tamer delivered exactly the rates he promised and continued to help us even after we closed on our home. His professionalism and dedication made the whole experience stress-free. I highly recommend him to anyone looking for a trustworthy and knowledgeable mortgage broker!Posted on Google takla anisTrustindex verifies that the original source of the review is Google. Our experience with Tamer from THM was beyond wonderful. Being a first time home buyer, I walked into this not knowing what to expect or where to start. From day 1 Tamer was extremely helpful and took the time to go over the process. He made it seem so easy and explained all the details to us. I would definitely recommend THM for anyone who’s interested in being stress free while going through this process, especially when you’re a first time buyer. You want someone you could trust to be on your side and get you the best rates possible and that’s exactly what you would get from THM.Posted on Google Sina STrustindex verifies that the original source of the review is Google. Tamer is great! I really enjoyed my last purchase experience working with him. He is patient and takes the time to walk you through the process, answering any questions you may have. I fully recommend Tamer!Posted on Google Meg Le VuTrustindex verifies that the original source of the review is Google. We started our search for a home back in 2021. We missed an opportunity to buy when interest rates were super low and were determined to make something happen in 2025. At least that's what we thought... Lo' and behold, we were seeing some affordable prices with a decent rate for the time(Feb 2024). Looking at the mid-800s with 7% interest, we thought, "Okay, let's look and let's talk to the RIGHT people." This was the kind of mindset that led us to working with Tamer over something like a new builder or a Federal Credit Union. Doing the math ourselves, we thought those numbers would be a push, but doable. Being self-employed is always harder when buying since we aren’t cookie-cutter W-2 employees. It seemed like we were up for a long and complicated road to buying our second home. Then, this is when the stars started to align. Our real estate agent, Mena Shenouda (also amazing), recommended Tamer from THC Mortgage to us. My husband jumped on the phone with him and let him know that it was not only wise to buy now if we could, but WHY. With Tamer, we always got an unbiased bit of advice, with a solid explanation. We always felt more educated after a call with him. Tamer is a seasoned vet in the loan officer game, but he never needed to say that. We simply observed it in his mannerisms, his knowledge, and kindness. He knew all about how we could use our business for any funds, and that getting our pre-approval letter would not be an issue with what he heard over the phone. We observed him hustling for each call, request, and question we had. It felt so easy. Gone were the days of dropping everything to send another document or form again and again. We felt that Tamer understood us and our goals as entrepreneurs who wanted to be creative and strategic with our money within the rules that CA plays by. Take the down payment for example. We always thought that it was 20% no matter what. We ended up going with something like 15% because it didn’t affect our monthly payment as much as we thought and PMI also wasn’t that bad if we were just going to pay it down after we refinance later...etc etc. It’ll be different for everyone’s situation, but these were the type of fast-thinking approaches to strategy that we observed in Tamer, always quickly breaking down the math and backing up everything he said with facts and logic. He was always responsive to our calls, which we really appreciated. We are not dawdlers. Since this was our 2nd time around, we were always ready for some redundancy, miscommunication, or rush to do this or that. It really never felt that way. It was actually easy. We were learning so much, and we were looking forward to every step instead of feeling stressed. On the day of closing/signing, we finally met in person, and he was exactly who we’d been talking to on the phone: professional, kind, an expert, and an advocate for us. If it was in his power to do so, he always made the effort. Thank you, Tamer, for making this whole thing a breeze. We highly recommend working with Tamer, especially if you’re an entrepreneur like us. P.S. Also, this is just from me (the wife): thank you for convincing my husband to buy when you did. As you said, everything went up by 100K the very next week after we put a deposit on the house we loved. Now our dinner conversations will finally not be about “when should we buy?” lol.Posted on Google fernando cordovaTrustindex verifies that the original source of the review is Google. I’ve worked with Tamer on three different loans, and every experience has been exceptional. He consistently provides the best rates and demonstrates outstanding professionalism throughout the process. Tamer takes the time to explain everything clearly, guiding you step by step to ensure you feel informed and confident every step of the way. His customer service is truly unmatched—he even checks in after the loan is funded to make sure everything went smoothly. Tamer listens carefully to your situation and financial needs, offering thoughtful, practical advice tailored to what works best for you. I’ve already recommended Tamer to friends and family, and I’ll absolutely work with him again on my next loan. Give him a call—no pressure, just great service and a great person. Highly recommend! -Fernando C.
We are primarily working with the top wholesale lenders in the nation which allow us to offer our clients very competitive interest rates and fast closing process.
Our mission is to help families with their financing needs whether to buy their dream home or refinance their current loan to reduce their monthly payment, consolidate debts, and tab into their current equity.
Why Us
- Honest and sound financial advice
- Save the hassle of shopping with different lenders
- Smooth and fast loan closing process
- Excellent customer service
We Value Partnership
We have established strong partnerships with highly successful real estate agents, title companies, lenders, and other stakeholders. We don’t just close mortgage loans, we build relationships for life. A decent number of transactions is coming from recurring clients who enjoyed working with our team and appreciated the experience. We also receive a strong volume of referral business from our existing clients.
License
We are currently licensed in California, Florida, Texas, and Idaho. Stay tuned for more states coming in the near future.
