---
canonical_url: https://lendb.ai/lo/tom-pregano-2445475
json_url: https://lendb.ai/lo/tom-pregano-2445475.json
nmls_id: 2445475
last_verified: 2026-10-10
---

# Tom Pregano

Sr. Loan Officer at Lower, Macomb Township, MI. NMLS ID 2445475 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2445475)).

**Summary:** Tom Pregano (NMLS 2445475) is Sr. Loan Officer at Lower, based in Macomb Township, MI. Lists Michigan on the lender page (not yet checked with the state regulator). Lower also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). Last verified 2026-10-10.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Michigan (MI, lender_reported)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

### Their lender offers (lender level: Lower's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.lower.com
- **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.lower.com
- **HELOC** (`heloc`): verified 2026-10-10. Source: https://www.lower.com
- **Real estate investor** (`investor`): verified 2026-10-10. Source: https://www.lower.com
- **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.lower.com
- **Non-QM loan** (`non-qm`): verified 2026-10-10. Source: https://www.lower.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.lower.com
- **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.lower.com
- **VA loan** (`va`): verified 2026-10-10. Source: https://www.lower.com
- **Vacation home** (`vacation-home`): verified 2026-10-10. Source: https://www.lower.com

## About

Tom is a mortgage loan officer based in Michigan with a sales background dating to 2014. They focus on helping homebuyers and homeowners through the mortgage process.

Source: LenDb summary of the lender page, verified 2026-10-10.

## Facts from the lender page and intro

- service_area: Michigan. Source: https://www.lower.com/loan-officers/michigan/macomb/tom-pregano, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| MI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Macomb Township, MI. Source: https://www.lower.com/loan-officers/michigan/macomb/tom-pregano, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2445475

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/michigan/macomb/tom-pregano
- Email on file: shown at https://lendb.ai/lo/tom-pregano-2445475#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2445475
- lender_site: https://www.lower.com/loan-officers/michigan/macomb/tom-pregano
- lender_site (lender programs): https://www.lower.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Tom Pregano (NMLS 2445475), Lower. LenDb.ai, https://lendb.ai/lo/tom-pregano-2445475, last verified 2026-10-10.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._