I have been in the mortgage industry for over 30 years and have extensive experience helping first-time homebuyers and large-scale business owners with all of their home financing needs. I see myself as a great resource for financial education and mortgage planning on any scale - each plan is tailored to your unique needs.

Many of my clients stay with me as their families grow, and I've had the pleasure of helping their children finance homes, too. I can help with first-time home buyers looking to buy manufactured homes, and I can also help develop comprehensive mortgage plans for real estate investors. My portfolio and experience really run the gamut of everything imaginable, including trusts, LLCs, Sub S, and 1031 exchanges. I am honored to be voted "Best of the Best" Mortgage Broker by the Smith Mountain Eagle for 2 years in a row.

My job is to listen you, find out what is most important to you, and then offer alternatives and options with the goal of meeting your needs and saving you money.  Through the process, there's no such thing as "too many" questions for me to answer.

I studied Business Administration at Rollins College in Winter Park, FL and received a mini MBA certification from their Crummer Graduate School of Business. I am a lifelong student continuing to study the intricacies of Real Estate Finance/Underwriting and Business/Law.
 
I'm a former board member of the Smith Mountain Lake Rotary Foundation and serve on the Economic Development Committee of the Roanoke Valley Association of REALTORS® Affiliates. I'm active in the church and love water sports, a good (or bad) game of golf, driving on race tracks, chess, and spending time with my family, friends, and clients.

Interested in working with me? Reach out to me today, and I'll be happy to get started!


Ad showing Thomas Ulbrich as Smith Mountain Eagle's best of the best mortgage broker
 
Photo of two dogs playing on a boat at Smith Mountain Lake
 
My dogs enjoying a sunny day on the lake with the family.
Happy family of 3 standing in front of their new home

Down Payment Assistance

We have a variety of down payment assistance programs for people of all walks of life. Speak with one of our experts today to see if you qualify for one of our programs.

Young parents playing with their daughter in a cardboard box on moving day

Mortgage Resources

Looking for some additional information about buying a home? Browse our resource library!

Get Pre-Qualified Online Today!

 
Note: The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. Visit https://www.consumerfinance.gov/hmda.