Headshot of Tom Hlava

Tom Hlava

VP of Residential Lending

The Tom Hlava Team

NMLS #191013


About Tom

With more than 30 years of experience and CrossCountry Mortgage's resources behind me, you can rest assured that your dream of homeownership is in good hands. We have numerous financing options available to make your dream a reality, and I'll help you find the perfect one for your unique needs.

At CCM, customer satisfaction is our top priority. We underwrite our own loans in-house, so there's no far-away call center to contact regarding your loan. You get local, personal service from me and my team. We'll keep you informed every step of the way, and I take pride in being able to save you both time and money on your home financing.

I'm able to achieve those results by applying my expansive knowledge to every transaction and walking every buyer through the lending process from start to finish.

Licensed to work in: Illinois (031.0001831), Indiana (26284), Wisconsin (191013)


  • 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 (773) 389-2086