Headshot of Tom Reber

Tom Reber

SVP of Mortgage Lending

The Reber Group

NMLS #450913

4651 Salisbury Road, Suite 400, Offices 413 & 414
Jacksonville, FL 32256
Contact Methods
tel Phone
(904) 478-1927
mobile Mobile
(904) 318-1058
fax Fax


About Tom

I’m a mortgage veteran with the ability to use many different dynamics to provide the home loan best fit for your unique goals and circumstances. I’ll start by reviewing and analyzing your financial situation to meet your current and future needs.

If you’re a first-time homebuyer, I will walk you through each step of the loan process and resolve any concerns you may have. If this is not your first mortgage, we’ll discuss some of the newer products that are available, and rediscover how staple programs like conventional, jumbo, FHA, VA, renovation, investment, and refinance have evolved over time to meet current needs.

From pre-approval to closing and beyond, you will know what’s happening with your mortgage and have your questions answered along the way. I look forward to providing you with the personalized loan experience and outstanding customer service you deserve!


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at (904) 478-1927