Tommy Thompkins · Branch Manager

Your home journey,
guided by people who care

Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

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NMLS #19616020+ Years ExperienceLicensed in 1 State
33
Recent Loans Closed
20+
Years Experience
4.94★
Average Rating (264 reviews)
Tommy Thompkins
Branch Manager · NMLS #196160
Direct(404) 312-5236
EmailTommyT@afncorp.com
Meet Your Loan Officer

The mortgage process should feel like a milestone, not a headache.

Meet Tommy, a Loan Officer at American Financial Network licensed in 1 state. Reach out to discuss your homeownership goals.

Backed by American Financial Network's nationwide lending platform and the most advanced mortgage technology in the industry, I bring institutional resources to a personal relationship.

“My clients don't just get a loan officer. They get a team, a technology platform, and an advocate.”
NMLS #196160
Licensed 1 State
AFN NMLS #237341
A Better Way

Traditional process vs. working with us

Traditional Process
✕
Phone tag & voicemail
Wait hours or days for a callback from your loan officer
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Manual paperwork
Print, sign, scan, and email stacks of documents
✕
Weekly updates (maybe)
Left wondering where your file stands in the pipeline
✕
45+ day closings
Delays, missing docs, and last-minute surprises
With Tommy + Sophia
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Instant answers, 24/7
Sophia responds in seconds — Tommy follows up personally
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Automated document collection
Upload from your phone, AI organizes everything
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Real-time status tracking
Know exactly where your loan stands at every moment
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Faster, predictable closings
Streamlined process means fewer delays and no surprises
Loan Programs

Every option. Your best fit.

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Conventional
Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
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FHA
Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
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VA
Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
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Jumbo
High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
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Renovation
Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
◆
Non-QM
Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
Available 24/7

Meet Sophia,
your AI-powered mortgage assistant

Get instant answers, explore loan options, estimate payments, and start your application — any time, day or night. Sophia is backed by Tommy's expertise and AFN's full lending platform. When you're ready, Tommy steps in personally.

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Estimate monthly payments based on your actual scenario
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Explore loan programs matched to your situation
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Start your application without waiting for a callback
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Check local market conditions and neighborhood data
S
Sophia
Backed by Tommy · NMLS #196160
Hi, I'm Sophia — Tommy's AI-powered mortgage assistant. I can help you explore options, estimate payments, or start your application. What's on your mind?
What can I afford on $120K income?
Based on a $120K annual income, you could qualify for roughly $480K–$540K depending on your debts, down payment, and rate. Want me to run a detailed scenario?
Client Experiences

Trusted by families nationwide

★ ★ ★ ★ ★
Tommy Thompkins was extremely informative, professional, and pleasant throughout the home loan processing experience. We haven't purchased a home in 20 years, so we had lots of detailed questions that Tommy was able to answer in a timely manner. Tommy's knowledge and years of loan processing experience made this a relatively easy purchase for us. He should be commended for taking such good care of us during a very stressful and transitional situation. We even recommended and referred Tommy to the seller's realtor as the "go to" person for future home loans with other buyers.
Marty Joseph B.
Oxford, GA
★ ★ ★ ★ ★
The finance team was very knowledgeable and professional. We are greatful for the excellent service we were provided especially from Tommy and Celisse. We highly recommend this company!
Wendy Rae B.
Oxford, GA
★ ★ ★ ★ ★
The service was prompt, the communication was clear, and every step of the process was handled with professionalism.
Bandele A.
Covington, GA
★ ★ ★ ★ ★
I really enjoyed working with Tommy on this mortgage loan. Tommy was exceptional in responding to all my questions throughout the application and approval process. He was always prompt at returning my calls and quick to reply to my emails, very professional.
Kelly Hauck M.
Covington, GA
★ ★ ★ ★ ★
Tommy and his team, went above amd beyond to help us secure favorable terms so we can save the most money. Excellent communication from him and his approach was refreshingly honest.
Fabian W.
Powder Spgs, GA
Tools

Payment Calculator

$3,174/mo
P & I$2,528
Prop Tax$500
Ins$146
Afford
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No MI
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30 years
Start My Application

This is not a commitment to lend. Not all borrowers will qualify. Loan approval is subject to credit, underwriting, and program guidelines. Terms and conditions apply. Rates and program availability are subject to change without notice.

Real Estate Partners

Are you a real estate agent?

I provide your clients with a premium lending experience, on-time closings, and 24/7 access to Juliet for instant updates. Let's build a partnership that elevates your business.

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Get in Touch

Ready to get started?

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Tommy typically responds within 24 hours. No bots, just expert advice.