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Tom Haney

Tom Haney

Senior Home Lending Advisor
NMLS ID: 669671
"Experience and service are what I offer... the right mortgage is what you'll receive."
Contact Tom
Address:
12005 E Sprague Avenue
Spokane, WA 99206
US
Phone:
Primary:
Fax:
Cellular:
Email:
thomas.haney@chase.com

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About Tom
Tom proudly serves clients in the Spokane, WA area. Tom has 18 years of experience as a Senior Home Lending Advisor and specializes in pre-qualification, vacation home financing, FHA and VA mortgages, first-time homebuyer programs, and conforming loans and jumbo mortgages. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Tom is here to help you find the right mortgage to fit your needs. Starting with a review of your finances, Tom can help you get a clear picture of what might work best for you. Tom will explain your options, answer any questions you may have, keep you informed and guide you through every step of the mortgage process. Above all, Tom wants to ensure that you have a positive home lending experience.
Tom’s Achievements
chase national achievers award

Recent Reviews

5.0 out of 5
Rating 5.0
(Based on 14 Reviews)
  • 5 out of 5
    Rating 5.0
    We hadn't expected to to be making an offer on a home, but Tom quickly got a loan pre-approval letter in his off hours to help us make a strong offer. His customer service is outstanding.
    Response from Tom Haney
    Your review of Tom Haney made us so happy, Lisa. Here at Chase we stride for excellence, so we are pleased to hear we met your expectations! In the future, if you or anyone you know needs our assistance, we would be happy to help.
    Sincerely, Chase
  • 5 out of 5
    Rating 5.0
    Quick and helpful
    Response from Tom Haney
    Thank you, Patrice, for your review. We are thrilled Tom Haney was able to help you. We hope to you visit us again soon.
    Sincerely, Chase
  • 5 out of 5
    Rating 5.0
    I have always enjoyed working with Tom. He is very good at his job and customer service.
    Response from Tom Haney
    Thank you, Diane, for your great review of Tom Haney! We absolutely love hearing positive experiences and appreciate you taking the time to share yours with us. We appreciate this thoughtful review.
    Sincerely, Chase
  • 5 out of 5
    Rating 5.0
    Tom is the best. Knowledgeable and on top of everything.
    Response from Tom Haney
    We are so grateful that you left us such positive feedback. We are glad to hear Tom Haney's knowledge was helpful to you. It was a pleasure working with you and hope you'll choose Chase again in the future!
    Sincerely, Chase
  • 5 out of 5
    Rating 5.0
    Tom Haney is always helpful and gets the answers quickly for me when I have questions. He has excellent customer service manner and is always very friendly and professional.
    Response from Tom Haney
    Your review of Tom Haney made us smile, Jan. Here at Chase we stride for excellence, so we are pleased to hear we met your expectations. Your review made our day!
    Sincerely, Chase
  • 5 out of 5
    Rating 5.0
    Excellent customer service
    Response from Tom Haney
    Thank you, William, for taking the time to write a review. We are delighted Tom Haney was responsive to your needs. Working with you was truly our pleasure.
    Sincerely, Chase
  • 5 out of 5
    Rating 5.0
    It has been some time since the closing, but the sentiment is the same: Couldn't be happier; thanks.
    Response from Tom Haney
    Thank you, Carl, for your positive review. Your positive review of Tom Haney has us beaming. We hope we get a chance to work with you again in the future.
    Sincerely, Chase
  • 5 out of 5
    Rating 5.0
    Tom is hands down the best in the business. When I needed a new pre-approval letter to update our top dollar amount he had it to me within an hour. We are so gracious for his amazing customer service.
    Response from Tom Haney
    Thank you, Peter, for speaking to your positive experience. We are so happy that Tom Haney was able to be flexible for your needs! We are thankful to work with customers like you.
    Sincerely, Chase
  • 5 out of 5
    Rating 5.0
    Tom & his team were great to work with. We had a complicated financing situation and he went out of his way to make it happen. I highly recommend his services!
    Response from Tom Haney
    Thank you for this thoughtful review of Tom Haney, Carol. Each situation is unique, and we're glad we were able to be flexible to meet your needs. We are very grateful for your business.
    Sincerely, Chase
  • 5 out of 5
    Rating 5.0
    Best mortgage banker I ever worked with. Very knowledgeable, fast, accurate, and reliable. I would recommend Tom for anyone seeking a mortgage or refinance.
    Response from Tom Haney
    Harry, thank you so much for reviewing our services. We are delighted Tom Haney was responsive to your needs. We are thankful to work with customers like you!
    Sincerely, Chase
  • 5 out of 5
    Rating 5.0
    Tom was wonderful to work with. He was very accommodating. He went the extra mile.
    Response from Tom Haney
    Julie, we loved reading your review! We're grateful you took the time to leave Tom Haney such positive feedback. This type of experience is exactly what we strive for. Working with you was truly our pleasure.
    Sincerely, Chase
  • 5 out of 5
    Rating 5.0
    There is nobody else we would rather work with than Tom Haney. Tom is so kind and hard working and goes above and beyond to help guide you through mortgage loan process. He helped us succeed and we will definitely be working with Tom with any future loan needs.
    Response from Tom Haney
    Thank you, Micca, for reviewing Tom Haney. Here at Chase we stride for excellence, so we are pleased to hear we met your expectations! We look forward to working with you again in the future.
    Sincerely, Chase
  • 5 out of 5
    Rating 5.0
    Tom Haney first contacted me on a Saturday to earn my business. He was able to instantly answer my questions and sent spreadsheets detailing the types of mortgages I was interested in. Throughout the entire application process, Tom quickly answered any question I had and made me feel like a member of his team. Simply put, I would not hesitate to recommend Tom to anyone seeking a home loan.
    Response from Tom Haney
    Thank you for this thoughtful review of Tom Haney, Glenn. It is important to offer as many mortgaging options as possible, as every customer has different needs. We are so glad to hear that we met your expectations. Reviews like yours help our business grow!
    Sincerely, Chase
  • 5 out of 5
    Rating 5.0
    Specialists Tom Haney in Spokane and LeAnne in Portland were excellent to work with.
Displaying reviews 1 - 14 out of the 14 most recent

What Chase offers

Chase customers reviewing a home loan
Home loans
Whether you want to purchase a new home, refinance or access cash using the equity in your home, we offer a variety of options and expert advice to help achieve your goals.
Customer looking at the Chase mortgage application tool
Mortgage application tool
Get convenient online access to view and e-sign forms, upload documents, track your status and communicate with your Chase home lending team.
Customer reviewing Chase's MyHome dashboard
Chase MyHomeSM dashboard
Sign in online anytime after your closing for in-depth views of your home loan, taxes, insurance, neighborhood sales trends and more.

Frequently Asked Questions

When is it time to stop renting and buy a home?
When debating between renting vs. buying, you need to think about your lifestyle and finances. While renting can provide more flexibility, owning a home enables you to build equity in the property and may provide tax benefits.

Buying a home is a huge step, especially when you’re moving from renting to owning.
How can I get information on mortgage loan options?
At Chase, you can choose from several types of mortgage loans to finance your home purchase. A Home Lending Advisor can help you understand the differences between the various loan options so you find one that best suits your financial situation.
Once you understand what you want out of a home, determining your housing budget is essential. After determining a loose housing budget, you'll need to decide how much you'll be comfortable paying each month. Your real estate agent will help you find the right home based on all of these factors. Looking for more information? Read our guide on “How to Find the Perfect Home!”
What documents will I need to apply for a mortgage?
Traditional loans usually require documents that verify your employment, income and assets, and may include:
• Your Social Security number
• Pay stubs for the last two months
• W-2 forms for the past two years
• Bank statements for the past two or three months
• One to two years of federal tax returns
• A signed contract of sale (if you've already chosen your new home)
• Information on current debt, including car loans, student loans and credit cards
What is better: a fixed or an adjustable interest rate?
If you plan to be in your home for more than seven years, you may want to consider a fixed-rate mortgage, which offers predictable payments and long-term protection against rising mortgage interest rates. If you plan to be in your home for seven years or less, an adjustable-rate mortgage (ARM) could be attractive. Keep in mind that with an ARM, your monthly payments have the potential to go up each time your interest rate adjusts.
Current Chase Mortgage Rates

The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rate, any points, and mortgage insurance for FHA loans. It does not take into account the processing fee or any other loan specific finance charges you may be required topay. Rates are estimated by state and actual rates may vary.

Purchase Rates: Rates displayed in the table include approximately 1 point and are based on the following assumptions: conforming 30 year fixed, 15 year fixed, 7/6 ARM and 5/6 ARM based on a loan amount of $300,000 to $349,999 with a down payment of 20%. 30 year fixed FHA based on a loan amount of $200,000 to $249,999 with a down payment of 3.5%. 30 year fixed Jumbo based on a loan amount of $1,000,000 to $1,049,999 with a down payment of 30%. All loans assume a single family residence, purchase loan, mortgage rate lock period of 30 days and customer profile with excellent credit.See estimated monthly payments

Refinance Rates: Rates displayed in the table include approximately 1 point and are based on the following assumptions: conforming 30 year fixed, 15 year fixed, 7/6 ARM and 5/6 ARM based on a loan amount of $300,000 to $349,999 with a loan-to-value of 75%. 30 year Jumbo based on a loan amount of $1,000,000 to $1,049,999 with a loan-to-value of 70%. All loans assume a single family residence, refinance loan, mortgage rate lock period of 45 days in all states except NY which has a rate lock period of 60 days and customer profile with excellent credit. See estimated monthly payments

Chase customer shaking hands with a client

About Chase Home Lending

Whether you want to purchase a new home, refinance for a lower rate or use your home's equity for updates, we're ready to help you make it happen. You get a variety of powerful online mortgage tools and resources, a dedicated Chase Home Lending Advisor with you every step of the way and access to a personal online site for regular updates about your loan, neighborhood home sales and more.

The NMLS ID is a unique identification number that is issued by the Nationwide Mortgage Licensing System and Registry (NMLS) to each Mortgage Loan Originator (MLO)

The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rate, any points, and mortgage insurance for FHA loans. It does not take into account the processing fee or any other loan specific finance charges you may be required topay. Rates are estimated by state and actual rates may vary.

Rate, points and APR may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.

FHA loans require an up-front mortgage insurance premium (UFMIP) which may be financed, or paid at closing and monthly premiums will apply.

For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase. The APR may increase after the loan consummation

Tools and calculators are provided as a courtesy to help you estimate your mortgage needs. Results shown are estimates only. Speak with a Chase Home Lending Advisor for more specific information. Message and data rates may apply from your service provider.

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply.

Home lending products offered by JPMorgan Chase Bank, N.A.

The statements, views and opinions expressed about a product or service received are those of the customer. All results, outcomes, and experiences may not be the same for all customers. JPMorgan Chase Bank N.A. or any of its affiliates are not liable for decisions made or actions taken in reliance on any of the information or opinions expressed.