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Tom McLister

Tom McLister

VP of Mortgage Lending · NMLS# 532688

Frederick, MD5.0(41 reviews)

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Tom McLister at Certainty Home Lending (NMLS #532688)

Today · 9 AM – 5 PM

50 Citizens WaySte 302Frederick, MD 21701
Rating5.041 reviews
Satisfied100%41 reviews

Ratings include all 41 reviews. Reviews collected directly from clients are shown only with their permission.

I can't recommend Tom McLister with Certainty Home Lending enough! He was professional, knowledgeable, and kind throughout the whole lending process. He walked me through every step, made sure I understood everything, and kept me informed on status. He went above and beyond to ensure I understood the numbers and helped me learn where I could maneuver or make tradeoffs and stay within my budget. He was always available to answer questions, even during evening hours and weekends. He also served a vital role in protecting me from potential scammers, which gave me a huge peace of mind. I will definitely use Tom again in the future and will recommend him to everyone I come across. I couldn't have done it without him and am so grateful he was part of my home buying experience.

Courtney D.View on Google

I had a great experience working with Tom. He was incredibly helpful throughout the entire process, always available to answer our questions, and made sure we understood each step along the way. I really appreciate all of his hard work and guidance. I would definitely recommend him to anyone looking for someone they can trust with their home loan!

Marley S.View on Google

Professional, responsive, and patient throughout the entire process of helping me with my first mortgage. Tom was fantastic!

Oliver C.View on Google

Tom is the best in the business -- attentive, responsive, trustworthy and always available to answer questions. He made the process seamless, simple and stress-free. I highly recommend him.

Response from Owner

Thanks, Evan! exactly the experience we aim to deliver. Your recommendation means a lot to me. Enjoy you're new home and well done. Tom.

Working with Tom was a great experience from start to finish. He was always available to answer questions and worked hard to secure a great loan for us. I highly recommend him to anyone looking for a professional, reliable mortgage broker.

Response from Owner

Great to hear from you Matthew and you both were so great to work with. Good luck with your new family and I very much appreciate your review. All my best and I am here when you need any day or time. Tom

Matthew D.View on Google

My wife and I had the pleasure of working with Tom during our process of buying our first home and I must say that working with Tom was nothing short of an easy to work with person. He always had open ears and was readily available to answer questions that we had. Overall we were very happy and would recommend Tom to anyone who is looking to buy a home!

Response from Owner

Zach, you and Ashley were such a pleasure to deal with. I appreciate your review very much and know that I am always here for you guys with any questions going forward. All my best. Tom

Tom is a joy to work with! We had a quick close - <30 days - so he and the Certainty team accelerated their efforts for us and had us all ready to go on signing day! Thank you very much Tom & co.!

Response from Owner

Thanks so much Bob. You guys were a pleasure to work with. I am excited for you both and your new home. Enjoy

The ease of dealing with them.

Michael C.

Tom McClister is amazing

Charla O.

Tom is excellent with communication and a quick response.

Response from Owner

Thank you for your wonderful feedback! I value your recognition of my communication and quick response with my customers.

Working with our Tom McClister was an absolute pleasure. From day one, he treated us like family. He is not only highly knowledgeable about the mortgage process but also incredibly kind and generous with his time. No matter when we needed him, he was always available to answer our questions and put our minds at ease. We highly recommend him to anyone looking for a smooth, personalized lending experience!

Response from Owner

Hi Charla, I so much appreciate your feedback. Thank you for allowing me to be part of your home buying journey.

Charla O.View on Google

We are super thankful for Tom’s help and care through the home buying process! He was super authentic, transparent, friendly, and helpful. He went out of his way to describe things to make sure we understood as first-time homebuyers. I would definitely recommend Tom to anyone who’s looking to buy a new home! He will get it done the right way!

Response from Owner

Thank you so much for the kind words! It is important for me to gain your trust being a first-time homebuyer. I believe you need to understand and learn the buying process, not just buy. This way you can feel comfortable in your home ownership moving forward. All my best

Tom was such a help in our home buying process. He is friendly and knowledgeable, which eased the process of buying our first home. Many thanks to you Tom!!

Response from Owner

Thank you, Tricia, I really appreciate your review. It was a pleasure working with you. You are quite welcome !

Tricia B.View on Google

Tom was easy to work with. He was accommodating and took time to explain everything that I had a question about.

Response from Owner

Mr. Chipley, thank you for sharing your experience. I appreciate your feedback so much.

Charles C.View on Google

Y'all, if you have the opportunity to work with Tom while buying a home, I highly recommend that you do! He is so much more detailed, responsive, and prepared than anyone else we talked with. He took us through every step of the process and answered all of our million questions. He is fantastic and a joy to talk to!

Response from Owner

Thank you for your kind words, Karine. You two have a beautiful unique find, which should give you plenty of fond memories. I am very happy that I was part of your home journey process. You are very much appreciated. Tom

Karine W.View on Google

I have had consistently worked with Tom McLister (and Melanie Lowe) because of his/her expertise, and their work ethic to do the very best for their clients.

Toni N.

Tom was available throughout the whole process to answer all of my questions. He was upfront, professional and a pleasure to do business with.

Great person , Great communication and he helps as much as he can to get ya the best deal for you . Thank you so much for all your help.

Response from Owner

Thank you Khaled, you were a pleasure to work with, and I am very excited for you and your future endeavors.

khaled E.View on Google

Love working with Tom and his team! Great communication, friendly and fast!

Response from Owner

Thank you for your wonderful feedback and thank you both for your service. I am so glad I could help

Yvonne W.View on Google

Responsive, helpful and nice to deal with

Sandra F.

The process moved very quickly and someone was always available with an answer to every question.

Linda M.

Tom was a pleasure to work with throughout the mortgage process. He guided us every step of the way, taking the time to explain each stage clearly and ensuring everyone felt informed and comfortable. His professionalism, responsiveness, and dedication made what could have been a stressful experience feel seamless and straightforward. We truly appreciated his commitment to going above and beyond. Thank you, Tom!

Response from Owner

Thanks so much for your kind words, Debbie. My team and I are thrilled you had a great valued experience and always appreciate your support. Tom

Debbie B.View on Google

We have used Tom twice now and both times he has been incredibly helpful throughout the entire process. He was very gracious answering all of questions and helping us feel secure in the big decisions we were making. He was always available for a phone call or text. Highly recommend!

Response from Owner

We are overjoyed to hear about your positive experience! Thank you for trusting us twice and recommending our services.

They helped us with everything along the way and very clear communication

Rebecca D.

Tom was very open and communicative throughout the whole loan process! He made sure we understood each step and was always helpful with our questions.

Response from Owner

Thanks Austin! You and Jessica are in your Happy place now. I am excited to hear your next adventure

Austin P.View on Google

We had an amazing experience working with Tom during our home buying process! From start to finish, he was incredibly helpful, reliable, and always readily available to answer our questions. We truly felt supported every step of the way. If you're looking for someone dependable and knowledgeable, we highly recommend working with Tom!

Response from Owner

Jackie, thanks so much You guys are the best and can't wait for the addition to the family to arrive!!!!

Jacquelyn M.View on Google

Tom and his team demonstrated outstanding knowledge and experience during our mortgage process, and they went the extra mile to help us buy our home. Thanks, Tom!

Response from Owner

We are ecstatic to have been able to assist you in buying your home. Thank you for your kind words, Gabriella!

Gabriella C.View on Google

My wife and I were so happy to work with not only Tom but his whole team. They made the process so easy and painless .We were also impressed by their efficiency, with questions and concerns answered promptly and clearly. I felt like I was working with someone that genuinely cared about our future.

Response from Owner

Thanks so much Brian, I am excited for you both! tell me when your first harvest comes in :)

Tom is phenomenal to work with, kind, professional, timely and has helped our family many times over the years. He has a wealth of knowledge and educates his clients accordingly helping them make the best decisions for their financial situation. I would recommend him to anyone!

Response from Owner

Thank you so much A.J, please let me know if you ever need anything else down the road. It was my pleasure

Great service all around from Tom through his team.

Robert R.

Tom was extremely attentive and made sure we understood everything throughout the process and made it stress-free for us.

Bennett P.

Tom was just absolutely great to work with. He always had an answer for us, no matter day or time. We really, really enjoyed working with him.

Kelly E.

I worked with Tom McLister on my mortgage loan, and he was fantastic. Answered all my questions thoroughly and walked me through the process step by step. He was always easily reachable, responsive and frankly, cared more than other lenders I've worked with in the past. Highly recommend.

Response from Owner

Patience persevered! I am so glad I could help. You were an awesome client. I am so happy for you and your new home

We absolutely loved working with Tom!! He was genuine, respectful and always made sure we understood where we were with every step. We felt like he truly cared for us and our situation. His responsiveness was immensely appreciated considering I'm sure we weren't his only clients. I was also impressed with how knowledgeable and patient both he and his team were. You can tell he's an expert in his field, I look forward to continuing a professional relationship with this team.

Response from Owner

I am very excited for you guys and your new home. Thanks so much for the kind words

Tom and his team are top notch and the process was seamless.

Aaron N.

Tom and the other folks I worked with did a great job explaining everything and getting things done quickly.

Derek O.

Wonderful streamlined service

Luke T.
Equal Housing LenderEQUAL HOUSINGLENDER
© 2026 Guaranteed Rate, Inc DBA Certainty Home Lending. All Rights Reserved. Guaranteed Rate, Inc DBA Certainty Home Lending, NMLS 2611. For licensing information, go to: www.nmlsconsumeraccess.org. Headquarters: 3940 N. Ravenswood Ave. Chicago, IL 60613 - ph. (844) 615-2955 This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. This is not a commitment to lend. Program restrictions apply. Certainty Home Lending’s policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability, familial status, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act, or any other prohibited basis identified under state law.

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