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Thomas Harris

Your Family Home Journey

Thomas Harris · Loan Officer

NMLS# 1867375

Thomas Harris

Mortgage Advisor

Xpert Home Lending Inc.

NMLS# 1867375

(916) 765-4783
About

Meet Thomas

Areas Served

CA ID OH

My goal is to make mortgages easy. With more than 4 years in lending I pride myself on creating happy homeowners.

4+ Years Experience
3 States Licensed
Thomas's Advantage

Why choose Thomas?
 
 
 
 

01

Speed That Sets Records

Xpert Home Lending consistently closes loans faster than the competition. A smoother process and happier clients.

02

Direct Access, Always

You work directly with your Xpert advisor and their team— no call centers, no runaround.

03

Proven Track Record

Thousands of successful closings backed by 5-star client reviews.

04

Hundreds of Options

Not all situations are Cookie Cutter. With over 150 possible lenders to match with your loan file, Thomas is uniquely capable of finding the perfect fit for your unique situation.

Plan Your Purchase

Mortgage Payment Calculator
 
 

Payment Estimator Thomas's Calculator
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Estimated Monthly Payment

$2,076

Principal & Interest $2,076
Loan Amount $320,000
Start Working with Thomas

No obligation. Takes about 2 minutes.

Client Reviews

Real Reviews from Thomas's Clients

"My wife and I had such a wonderful experience working with Thomas. Thomas’ communication was incredible, he was always available to answer any questions we had and was super professional even when we ..."

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Chad Penner
Chad Penner 2025-11-13
Review

"Professional, communicative, and solution-oriented. Thomas Harris and his team stepped in and got a challenging deal closed when another lender couldn’t. Great communication throughout the process ..."

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Shannon Mabberley
Shannon Mabberley 2026-07-13
Review

"Thomas and the Harris team are absolutely AMAZING to work with at every step of the process! I was in contact with them consistently for over a year, even when I wasn’t actively searching, as they ..."

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garren justice
garren justice 2026-04-13
Review

"Absolutely amazing experience with Thomas. He came into the transaction as the back up lender when the first lender couldn’t close the deal. Thomas was on top of it and pushed the deal and made it ..."

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Tanya Romanishin
Tanya Romanishin 2026-07-13
Review

"Words cannot express how grateful I am to Thomas and his team. When two other Lenders said NO he and his team said yes and got me to the finish line with my first property. God is Good! For those ..."

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David Powell
David Powell 2026-06-13
Review

"Thomas always goes above and beyond for his clients. He’s hands down the best lender in Sacramento. If you’re looking to buy a home, I highly recommend Thomas Harris as your lender!"

Oscar Reyes
Oscar Reyes 2026-07-13
Review

"Thomas Harris is exceptional! Getting started with Thomas was very easy. He was honest with me about my budget and what I could afford. He presented multiple options for the loan and even sent some ..."

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Morgan Walker
Morgan Walker 2025-11-13
Review

"My wife and I closed on our new home today, and I wanted to thank Thomas for all of his help throughout the process. What I appreciated most was that Thomas was always straightforward and ..."

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Samuel Chung
Samuel Chung 2026-06-13
Review

"Working with Thomas was a truly excellent experience. His responsiveness was immediate, and he was always readily available to answer all of my questions. He was incredibly efficient, with a very ..."

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Nai Saephan
Nai Saephan 2025-10-13
Review

"Thomas is the man! If you were looking for a lender that is on top of it, has the system systems to help you succeed as a client or even as a realtor partner, you’ve come to the right place. ..."

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Brandon Butler
Brandon Butler 2026-06-13
Review
Loan Programs

Available programs

Conventional Loans FHA Loans VA Loans USDA Loans Jumbo Loans Reverse Mortgages Bank Statement Loans Non-QM Loans ITIN Loans Asset Utilization Loans HELOCs Down Payment Assistance Bridge Loans DSCR Loans Commercial Loans Hard Money Loans
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Thomas

Thomas Harris

Mortgage Advisor

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Hey Thomas! I am Your Name, came across your profile on the Xpert Website and am wanting some help on a home purchase. What would be my next steps?

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