Tom Armstrong, Founder and Owner of At Home Discount Mortgages

Tom Armstrong
Founder & Owner

Our Story

At Home Discount Mortgages was founded on a simple principle: mortgage lending should be transparent, fair, and focused on the individual needs of each client. Owner Tom Armstrong established the company to provide an alternative to the one-size-fits-all approach common in the mortgage industry.

With extensive experience in mortgage lending and a deep commitment to honest service, Tom built At Home Discount Mortgages to serve clients in Utah and California who value straightforward communication and personalized attention.

Our Mission

We believe that securing a mortgage should be a clear, understandable process. Our mission is to provide every client with custom pricing, individualized attention, and transparent service from start to finish. We're not here to sell you something you don't need—we're here to help you find the right mortgage solution for your unique situation.

Our Approach

Unlike large lending institutions that process hundreds of applications with cookie-cutter solutions, we take the time to understand your specific financial situation, goals, and concerns. Every client receives direct access to Tom Armstrong, ensuring consistent communication and personalized service throughout the entire loan process.

Our Core Values

The principles that guide everything we do

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Individualized Attention

Every client deserves personalized service. We don't believe in one-size-fits-all solutions, and we take the time to understand your unique needs.

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Custom Pricing

Each loan is priced individually based on your specific circumstances. We provide pricing that reflects your situation, not a standardized rate sheet.

Simple & Transparent

We keep things straightforward and easy to understand. No confusing jargon, no hidden fees, no surprises.

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Low Cost

We focus on keeping costs down while maintaining high-quality service. You shouldn't have to overpay for excellent mortgage service.

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Fair & Equal Treatment

Every client is treated with the same level of respect and receives the same honest, straightforward service regardless of loan size or type.

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Honest Communication

We believe in telling you the truth, even when it's not what you want to hear. Honest advice leads to better long-term outcomes.

Licensed & Professional

At Home Discount Mortgages is fully licensed to provide mortgage services in Utah and California. We maintain all required licensing and stay current with industry regulations to ensure you receive compliant, professional service.

Utah License

Fully licensed and authorized to provide mortgage services throughout the state of Utah.

California License

Fully licensed and authorized to provide mortgage services throughout the state of California.

Equal Housing Opportunity

At Home Discount Mortgages is committed to fair lending practices. We comply with all federal and state fair housing and equal credit opportunity laws.

All loans subject to credit approval. This is not a commitment to lend.

Let's Discuss Your Mortgage Needs

Experience the difference that individualized attention and transparent service can make.

Get in Touch