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Your Local Ignite Mortgage Loan Officer
Thomas Miller has been helping individuals and families step into homeownership since 2020, and for him, it’s never “just another loan.” He knows buying a home is a big moment — equal parts exciting and overwhelming — and he genuinely enjoys being the steady, trusted guide people can rely on through it all.
With an education-first approach, Thomas makes sure his clients don’t just sign paperwork — they understand it. From first-time buyers to growing families and clients exploring creative financing solutions like down payment assistance and strategic pre-approvals, he takes pride in turning what can feel overwhelming into a clear, confident game plan. He believes knowledge creates confidence — and confident buyers win.
To Thomas, a mortgage isn’t just a transaction — it’s a tool for building stability, legacy, and long-term wealth. That’s why he focuses on honest advice, proactive communication, and relationships that last far beyond closing day.
Outside the office, Thomas’s world revolves around faith and family. He’s a talented musician and worship leader, a devoted husband, and a proud dad to two daughters who keep him grounded and motivated. As a former Division I football player, he brings discipline, teamwork, resilience, and a competitive drive to serve his clients at a high level. Whether on the field, on stage, or at the closing table, Thomas shows up prepared, passionate, and ready to lead. For Thomas, this business is personal — because home is personal.
Thomas
Miller
Loan Officer
NMLS# 2589822
States Licensed:
TN, FL, GA, MS
I had the great privilege of working with Thomas and it was hands down the best decision. This was my first time buying a house and there was so much I didn’t know that went into it. He is extremely knowledgeable in his profession and even if he didn’t know the answer he was quick on making sure I had the information I needed. I could immediately see the passion he has for what he does. He was very reassuring and kind during this first time experience. Thomas is GREAT at communicating and I truly appreciate all the work and effort he did to make this happen. I would recommend him to everyone! He’s amazing!
Areli M.
Orlando, FL
Thomas was clear about communicating every step of the way. Have the systems in place to communicate effectively and is diligent in connect the document needs, steps to be completed and task pending to be done, he was an amazing facilitator and for me the most important attribute is how great communicator he is for the hard role he have to embrace with realtors expectations, clients expectations, appraisal changes, network with affordable insurances etc. I’m overall blessed with his services. Will recommend to anyone buying to pay a call to check what he have to offer. Will do more business again with him soon.
Dr Emilio Castrillo
Westley Chapel, FL
I rarely write reviews, but Thomas is an exception. In fact he is exceptional at his work. He got me from zero to closing with remarkable speed and grace. I felt he was knowledgeable as he guided the process, advising me in a professional, steady, trustworthy, thorough and responsible way. I felt comfortable and in good hands. If you're considering working with Thomas, GO FOR IT!!! I found him to be direct, considerate, deeply knowledgeable, hardworking, committed, reliable and helpful.
Sam J.
Margate, FL
We are very happy that Thomas accompanied us. Our first house purchase was a snap thanks to Thomas's in-depth understanding of the market and the procedure. He did a fantastic job of preparing us and guiding us through each step of the purchasing process' paperwork. He was incredibly trustworthy. At any time of day or night, Thomas answered phones and texted back within minutes. We believed that purchasing this house was equally significant to him. Because of his commitment, we are happy that we have the faith and confidence to rely on him completely. Thomas, we appreciate everything you did for us. Fantastic work.
Juan Gutierrez
Lauderhill, FL
The FED dropped it's benchmark interest rate
What does this mean for you? Mortgage rates typically move in the same direction, although they aren't tied directly to the Fed decision.
If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refinance work for you.
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Get pre-approved for a purchase
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Get pre-approved for a refinance
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Calculate equity for a cash-out refinance
Frequently Asked Questions
How much does it cost to refinance?
Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
How much house can I afford?
To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
What is a good credit score?
A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
What is a HELOC?
A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
How do I calculate mortgage payments?
To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.