Richard Thomas
Loan Officer

Waterstone loan originator Richard Thomas been a member of the Appleton Downtown Rotary Club for more than 20 years and believes greatly in the Rotary "Four-Way Test."

• Is it the truth?
• Is it fair to all concerned?
• Will it bring goodwill and better friendships?
• Will it be beneficial to all concerned?

blah blah... Paul lives by the Rotary's is test everyday as he deals with his mortgage customers. He's has been in the mortgage business for more than 25 years and has closed thousands of loans including conventional, FHA, WHEDA, VA, rural housing, home equity and reverse mortgages.

Paul's pledge is be truthful, fair, and concerned for his clients and, in doing so, goodwill and friendships will follow. When you work with Paul, you will become a friend for life. As he works with his clients, he sees himself as a mortgage expert offering critical guidance in this ever-changing financial world in which we live. Paul pledges to help you meet and exceed your financial needs.

Paul joined Waterstone Mortgage Fox Valley in 2010 with a wealth of experience in the financial services industry including stops at a finance company, retail bank and as a mortgage broker and mortgage banker. Paul is particularly excited about being at Waterstone as it allows him to offers his clients the power of a mortgage banker and the flexibility of a mortgage broker. "As a mortgage banker, we can offer outstanding service and pricing and the power and security of our parent, WaterStone Bank SSB," he says. "But we also have the mortgage broker flexibility to find for our clients the best loan by working with many outside investors. We can offer products and pricing that most of our competition cannot."

Personally, Paul has been married to Lisa for 25 years and has two daughters. Beside Rotary and other community activities, Paul is involved in his hobby of model railroading and is active with the Paper Valley Model Railroad Club and National Model Railroad Association. Paul also enjoys skiing and golf and is a lifelong Packer fan.