Tom Laakmann
Mortgage Broker · Mortgage Capital Associates
Tom Laakmann is a North Carolina-based mortgage broker who specializes in helping homeowners and investors get the right loan with as little friction as possible. He works directly with each client — there's no call center, no rotating loan officer, and no surprise hand-offs.
Tom focuses on two products that solve real problems for Wilmington-area homeowners and investors: HELOCs for homeowners who want to fund renovations or wipe out high-interest debt without giving up a great first-mortgage rate, and DSCR loans for investors building rental portfolios who don't want their tax returns running the conversation.
He also does the full menu — Conventional, FHA, VA, USDA, Jumbo, and Non-QM — and will tell you straight up which one fits your scenario, even if it's not the most lucrative for him.
Why work with a Wilmington-based broker
Wilmington's mortgage market is its own animal. Coastal pricing, hurricane insurance constraints, second-home purchases, STR-eligible beach properties, flood-zone limits, and a strong military / Camp Lejeune VA-loan presence — every market has quirks, but Wilmington's are unique.
An independent broker who actually knows this market makes a real difference. Tom shops your loan across dozens of lenders, picks the program that fits, and tells you straight which lenders are easy on coastal property and which aren't.
No call center, no rotating loan officer. Tom works directly with each client.
Wilmington specialties
- HELOCs (5-min approval, 5-day funding)
- DSCR loans for STRs at Wrightsville, Carolina Beach, Kure
- DSCR loans for long-term Wilmington-area rentals
- Foreign-national mortgages (coastal investors)
- Bank-statement / 1099 loans for self-employed
- Conventional & FHA for Wilmington first-time buyers
- VA loans (Camp Lejeune, MCAS New River, statewide)
- USDA in eligible Brunswick / Pender County areas
- Jumbo (Wrightsville, Landfall, Figure Eight, downtown)
- Construction & renovation financing