Tom Callahan

Mortgage Banker

Vice President

NMLS #: 595257

1440 Kingsley Avenue, Orange Park, FL 32073

Tom R Callahan | SouthState Mortgage

About Tom Callahan

As Vice President at SouthState Bank and over 40 years of extensive mortgage lending experience, I’m able to guide clients through all stages of homeownership. With a strong focus on medical professionals I specialize in tailoring mortgage solutions that meet their unique financial needs. I have developed deep relationships within the medical community, allowing me to offer specialized mortgage products designed specifically for your profession. I understand that as a busy medical professional, your time is invaluable. That's why my approach is centered around personalized consultations that empower you to make informed decisions. Whether you’re applying for your first home, building your dream residence, or refinancing, I ensure that the mortgage process is straightforward and transparent. Regular communication and a commitment to education are key elements of my service, guaranteeing that you always feel informed and supported. With a passion for helping clients achieve their homeownership goals, my business thrives on referrals from satisfied clients who trust my expertise. I am committed to exceeding your expectations, providing you with the highest level of service and a seamless mortgage experience. Let’s work together to navigate the path to your new home. Apply online today to take the first step toward your future!
Couple buying a home with an FHA Loan

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Buyer's Advantage

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Individual and family homebuyers assistance funding

Opportunity Advantage

Assistance for Qualified Home Buyers

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First-Time Buyer Resources

  • Resources for first-time homebuyers
  • Tips for improving your credit score
  • Get information on pre-qualifying
  • Learn about the loan process
  • Find a checklist of information you'll need to gather
  • Learn about Down Payment Assistance programs
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Recent Reviews

5 stars
Google   •   SouthState Bank
06/04/2026
This is the second mortgage I have done with Tom and he is always such a pleasure to work with! From start to finish, he is always there and will pick up the phone no matter the time to help you work through anything. As a physician, I wholeheartedly trust Tom as a mortgage loan consultant and would do it again! Thanks Tom!
5 stars
Google   •   SouthState Bank
05/28/2026
A big thank you to Tom! Very helpful through out the home buying process. Gave us solid advice and answer all of our questions.
5 stars
Google   •   SouthState Bank
05/01/2026
Couldn’t imagine this process without Tom! Always reachable, very understand, and truly wants what’s best for his clients! Have already recommend his services to other physicians and will be doing so myself in the future!

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