About Us
Meet Team Souther
We are a family-focused mortgage team based in Colorado, licensed in California and Arizona, dedicated to educating and empowering every client we serve.
Our Mission
At Team Souther, we believe that buying or refinancing a home should feel exciting — not overwhelming. Our mission is simple: educate and empower every client so they can make confident, informed decisions about one of the biggest financial commitments of their lives.
We are not just loan officers. We are guides, advocates, and partners throughout your entire home financing journey. Whether you are a first-time buyer navigating the process for the very first time or a seasoned homeowner looking to optimize your mortgage, we bring the same level of care, transparency, and expertise to every conversation.
Tom Souther
Mortgage Loan Originator | Team Lead
Tom Souther has spent years helping families across Colorado, California, and Arizona achieve the dream of homeownership. His approach is rooted in education — he takes the time to explain every step of the process, every number on the page, and every option available so clients feel fully informed before they ever sign anything.
Tom is licensed in Colorado (MLO #100027866), Arizona (MLO #1050796), and California (DRE #02103386), and operates under C2 Financial Corporation (NMLS #135622) — one of the most respected independent mortgage brokerages in the country. As an independent broker, Tom has access to dozens of lenders and loan programs, which means he can shop the market on your behalf to find the best rate and terms for your unique situation.
Apply NowWhy Clients Choose Team Souther
Independent Broker Advantage
As an independent mortgage broker through C2 Financial, we are not tied to any single bank or lender. We shop dozens of loan programs to find the best rate and terms for you — not for us.
Education First
We never rush you through the process. We explain every option, every number, and every trade-off so you can make the decision that is right for your family and your financial future.
Licensed in Three States
Whether you are buying in Colorado, California, or Arizona, Team Souther is licensed and ready to help. We know the local markets and the loan programs that work best in each state.
Personalized Guidance
No two clients are the same. We take the time to understand your goals, your timeline, and your financial picture before recommending any loan product.
Transparent Communication
You will always know where your loan stands. We keep you informed at every stage — from application through closing — so there are never any surprises.
Coco the Mortgage Dog
Our beloved office mascot Coco brings warmth and joy to every interaction. She is a reminder that at Team Souther, we are real people who genuinely care about the families we serve.
About C2 Financial Corporation
C2 Financial Corporation (NMLS #135622) is one of the largest independent mortgage brokerages in the United States, with hundreds of licensed loan officers across the country. As a C2 broker, Team Souther has access to an extensive network of wholesale lenders — which means more loan programs, more competitive rates, and more flexibility to find the right fit for every client.
Verify on NMLS Consumer Access →Ready to Get Started?
Whether you are buying your first home or refinancing your current one, Team Souther is here to guide you every step of the way.