★ Veteran-First Real Estate & Lending ★

Built for
Heroes. For Every
Mission.

Real estate and lending built for those who served. Whether you're buying your first home, using your VA benefit, or investing — Thomas Schober has you covered as your Realtor & Lender.

★ Start Your Mission Explore VA Loans →
50
States for Lending
2
Licenses, One Team
100%
Veteran Focused
TOMSFORHEROES.COM — SERVING THOSE WHO SERVED
What We Do

Full-Mission
Real Estate & Lending

🏠

Buy a Home

From first-time buyers to seasoned investors, we guide you through every step — search, negotiate, close. Your mission, executed with precision.

01
💰

Sell Your Home

Strategic pricing, targeted marketing, and relentless negotiation to put more money in your pocket. We don't leave value on the table.

02
⭐

VA Home Loans

You earned it. Use your VA benefit with a lender who understands the process inside and out. Lending available in all 50 states.

03
📊

Conventional & FHA Loans

Whether conventional, FHA, or jumbo — we match you with the right loan structure for your financial mission and long-term goals.

04
🏗️

Investment Properties

Short-term rentals, buy-and-hold, new builds — we bring real investor experience to help you build wealth through real estate.

05
🔄

Refinance

Lower your rate, access equity, or consolidate debt. We run the numbers and execute when it makes strategic sense for you.

06
Thomas Schober
★ Navy Combat Veteran

Thomas Schober
Realtor & Lender

  • Naval Expeditionary Security Forces veteran with real-world discipline and mission focus
  • Licensed California Realtor (DRE #02063236)
  • Mortgage Loan Originator (NMLS #2236497), lending in all 50 states
  • Active VFW officer committed to the veteran community
  • Real estate investor and short-term rental operator with hands-on experience
  • Has built a single-family home from the ground up
Why Tom's For Heroes

A Veteran
In Your Corner

Most agents and lenders will never understand what it means to serve. Thomas Schober does — because he lived it. That translates to a level of commitment, transparency, and follow-through that most civilians can't match.

Whether you're a first-time buyer navigating the VA process, a seller looking to maximize your equity, or an investor building a portfolio — you deserve someone who treats your transaction like a mission.

★ Work With Thomas
DRE #02063236
NMLS #2236497
How It Works

Your Mission Plan

01

Connect

Reach out and tell us your goals. We listen first, then build a plan around your situation.

02

Strategize

We run the numbers, identify the right loan or listing strategy, and map out the path forward.

03

Execute

We handle the heavy lifting — negotiations, paperwork, lender coordination — so you stay focused.

04

Mission Complete

You close with confidence, knowing every detail was handled with military precision.

VA Home Loans

Your Benefit.
Your Home.

The VA loan is one of the most powerful financial tools available to veterans — and most people never fully use it. As both a veteran and a mortgage loan originator, Thomas knows exactly how to maximize this benefit for you.

★ Use My VA Benefit

Down Payment Advantage

The VA program can dramatically cut what eligible veterans need upfront. Ask how it applies to you.

No Monthly PMI

VA loans don't carry private mortgage insurance. A one-time VA funding fee may apply unless you're exempt.

Competitive Rates

VA loans often price competitively against conventional options. Rates depend on your full scenario.

All 50 States

Lending available nationwide, wherever your next mission takes you.

Reusable

Your VA benefit doesn't expire, and it can be used more than once over your lifetime.

Seller Concessions

VA rules allow sellers to help with closing costs, keeping more cash in your pocket.

Run The Numbers

VA Payment
Estimator

Get a ballpark monthly payment, including the VA funding fee, taxes and insurance. Plug in a rate you have seen or ask Thomas for a real quote.

$
$
%
%
$
$
Estimated monthly payment
—
Enter an interest rate to see your estimate.
Principal & interest
—
Property tax
—
Home insurance
—
HOA
—
VA funding fee (financed)
—
Total loan amount
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★ Get My Real Numbers

For illustration only. This is not a loan offer, rate quote or commitment to lend. Your actual rate, payment and costs depend on credit, property, entitlement and lender approval. Funding fee figures are based on VA's published rates for purchase loans. Taxes and insurance are estimates; Mello-Roos and special assessments are not included.

Client Reviews

What Veterans &
Clients Say

5.0
★★★★★
13 Reviews on Zillow
"
★★★★★

Just closed on a home and honestly couldn't have done it without Tom Schober. The entire process was fast, smooth, and surprisingly stress-free — even though I was traveling during the whole process. He handled everything.

eagleoneaviation
Bought a Condo · Huntington Beach, CA · 2026
"
★★★★★

Tom was fantastic! He made our first time home buying process memorable and he was able to get us into the house that was meant to be our home! He truly listened to our needs and delivered.

Forrest Rush
Bought a Single Family Home · Mission Viejo, CA · 2024
"
★★★★★

Tom did an outstanding job helping me close on my new home. From start to finish, he went above and beyond to make sure the entire process was as smooth as possible. His dedication and professionalism truly set him apart.

Eduardo Moreno
Bought a Single Family Home · Pico Rivera, CA · 2023
"
★★★★★

Tom is an awesome and excellent realtor. He is very friendly, honest, knowledgeable, understanding, and always willing to help. He made the process of buying our first home so much easier than we expected.

Tiffanif02
Bought a Home · Westminster, CA · 2023
"
★★★★★

Tom Schober isn't your typical real estate agent. He's got this down-to-earth vibe that instantly puts you at ease. It's like you're chatting with an old friend, not some salesperson trying to close a deal.

dylandersen
Rental · 2024
"
★★★★★

Tom was absolutely amazing! I couldn't imagine anyone better. He went above and beyond for me and my husband — amazing at communicating, always available, and made us feel like we were his only clients.

maggiecarreon2004
Bought a Single Family Home · Perris, CA · 2024
See all 13 reviews on Zillow →
Thinking About Selling?

What's My
Home Worth?

Online estimates can miss by tens of thousands. Get a free comparative market analysis from a local Realtor, built from real recent sales near you, not an algorithm.

  • Recent comparable sales in your neighborhood
  • What buyers are paying right now, and how fast homes are moving
  • What you could net after costs
  • No obligation, no pressure

By submitting, you agree Thomas Schober may contact you about your request. A comparative market analysis is not an appraisal. See the Privacy Policy.

VA Loan FAQ

Straight
Answers.

Who is eligible for a VA home loan?

Veterans, active-duty service members, and National Guard and Reserve members who meet VA service requirements, plus some surviving spouses. Eligibility is confirmed with a Certificate of Eligibility (COE). Thomas can pull your COE for you, usually in minutes.

How much do I need to put down on a VA loan?

It depends on your remaining entitlement and the price of the home. Veterans with full entitlement have no VA loan limit, and the VA guaranty can replace much of what a conventional lender requires upfront. If part of your entitlement is tied up in another VA loan, you may need to put money down above your county limit. Thomas will run your exact numbers.

What is the VA funding fee?

A one-time fee paid to VA that keeps the program running. For purchase loans it currently runs from 1.25% to 3.3% of the loan, depending on your down payment and whether it is your first VA loan. It can be rolled into the loan. Veterans receiving VA disability compensation, eligible surviving spouses receiving DIC, and active-duty Purple Heart recipients are exempt.

Is there a VA loan limit?

Not if you have full entitlement. VA says there is no loan limit as long as you can afford the loan and the appraisal supports the price. If you have an active VA loan or used entitlement, your limit is based on your remaining entitlement and the county loan limit.

Can I use my VA benefit more than once?

Yes. Your VA benefit does not expire. Entitlement can be restored after a previous VA loan is paid off, and in some cases you can have more than one VA loan at the same time using remaining entitlement.

Can the seller pay my closing costs?

Yes. Sellers can contribute toward your closing costs. VA caps seller concessions, such as paying your funding fee or paying off certain debts, at 4% of the home's reasonable value. A good offer strategy makes the most of this, and that is where having your agent and lender on the same team helps.

Can Thomas be both my real estate agent and my lender?

Yes. Thomas holds a California real estate license (DRE #02063236) and is a mortgage loan originator (NMLS #2236497). One point of contact means faster answers and fewer things falling through the cracks. All required disclosures for that dual role are provided in writing.

Do I have to be in California?

For buying or selling a home, Thomas works in California. For home loans, he can help you in all 50 states, so if you are PCSing or relocating, reach out.

Have a question that is not here? Ask Thomas directly.

Areas We Serve

Local Boots
On The Ground.

Based in Mission Viejo and working across Orange County and Southern California, including families stationed near Camp Pendleton, Naval Weapons Station Seal Beach, Joint Forces Training Base Los Alamitos, MCAS Miramar and March Air Reserve Base.

  • Mission Viejo
  • Lake Forest
  • Laguna Niguel
  • Laguna Hills
  • Aliso Viejo
  • Rancho Santa Margarita
  • Ladera Ranch
  • San Juan Capistrano
  • Dana Point
  • San Clemente
  • Irvine
  • Huntington Beach
  • Westminster
  • Orange
  • & all of Orange County
Get Started

Ready to Move?

Whether you're buying, selling, or just exploring your options — reach out and let's build a plan. No pressure, no fluff. Just straight answers.

📞 (949) 510-0774 ✉️ thomasjschober@gmail.com

By submitting, you agree Thomas Schober may contact you by phone, text or email about your request. No spam, and your info is never sold. See the Privacy Policy.