Tom Rybak

I started out as a mortgage broker in 1997, and today, I proudly serve all homebuyers across North Carolina and Florida, including those in need of down payment assistance.

The most rewarding aspect of my work is witnessing clients achieve their dreams, especially those who once thought homeownership was out of reach. Nothing beats the satisfaction of helping someone secure a loan they thought was impossible.

In my free time, I enjoy relaxing with my wife of 20+ years, Kelly, and our three dogs – Maxwell, Sammy, and Luna. You’ll often find me on the golf course, or on Sundays, cheering on our favorite team, the Buffalo Bills.

I’m available 24/7! Whether it's weekends, weeknights, or any time in between, I'm here to answer questions and guide you through the homebuying process.