Thomas Ooten

Background

About Thomas Ooten

I am a licensed Florida Real Estate Broker and Mortgage Professional with extensive experience in residential and commercial lending, real estate transactions, and financial analysis. As a Certified Mortgage Planning Specialist® and Senior Loan Originator at Kessler Real Estate Financial Services, I specialize in helping clients navigate complex financing options including Conventional, VA, FHA, USDA, and Jumbo loan products. My approach is proactive, detail-oriented, and client-focused. I manage every stage of the transaction—from contract to close—with precision and clear communication to ensure seamless closings and exceptional service. My goal is to make the home buying or refinancing process as smooth and efficient as possible for all parties involved. In my role, I also lead new business development initiatives and focus on expanding our consumer client base, with a strategic goal of doubling our reach this year. I bring strong underwriting expertise in real estate valuation, cash flow modeling, credit analysis, and debt restructuring, and I’m well-versed in federal consumer credit laws including the FDCPA and FCRA. With a strong foundation in finance, real estate, and operations, I have the ability to work independently or collaboratively within leadership teams. My background also includes advanced computer proficiency and office management, enabling me to support high-volume, high-stakes transactions with confidence and efficiency. Specialties: Residential & Commercial Real Estate Finance | Mortgage Planning | Sales & Negotiation | Credit Analysis | Loan Structuring | Underwriting | Transaction Management | Client Relations | Debt Solutions | Financial Modeling | Real Estate Strategy | Regulatory Compliance