THE KATALYST TEAM AT ETHOS LENDING
You Bring the Dream. We’ve Got the Mortgage.
Tom Donatoni
Loan Officer
Effortless. Efficient. Fast.
Secure Your Home Financing Today.
NMLS ID: 153198 ; Company NMLS ID: 1533336
(www.nmlsconsumeraccess.org)
Proudly Serving California
MEMBERS OF THE KATALYST TEAM HAVE BEEN FEATURED IN
At ETHOS Lending, We Have A Solution For Almost Every Scenario
Click to apply now or schedule a consultation and see how we can help.
Why ETHOS?
Expert Guidance, Local Presence
When you work with The Katalyst Team at ETHOS Lending, you're not just getting a loan officer, you're getting a true big-picture lending advisor. We come alongside you and look at all the options for your situation so that you can make the right decision for you and your circumstance.
Tailored Solutions
We don’t push products - we find the loan that fits you. Whether you’re buying, refinancing, or pulling cash out, we’ll help you discover options you didn’t know existed.
Fast Approvals
Our digital dashboard makes getting pre-approved simple. Upload documents securely, compare rates easily, and get full approval — often within 48 hours.
Competitive Rates
We shop dozens of lending partners - from household names to innovative newcomers - to secure the best possible terms for your goals and situation.
Seamless Closings
From pre-approval to keys-in-hand, your ETHOS Loan Expert keeps the process smooth, personal, and on schedule, so that you never have to worry about what's going on.
Borrower and Partner Resources
Explore our suite of tools designed to help you make informed decisions in your real estate journey.
BUY NOW, SELL LATER
The Peace of Mind Program
Unlock your equity, make. non-contingent offers, and only move once - all before you sell your current home.
KATALYST KICKSTART
1% Year One Lender Buydown Program
A Katalyst Team exclusive - we'll buy down your rate 1% for the first year, creating significant savings.
RATE RELIEF
3 Ways to Save With Buydown Options
See the benefits and costs of a 3, 2, or 1 year buydown option, including wording on how to present to a seller.
STRATEGIC REFINANCE
See your options compared to a traditional refinance
A strategic refinance could help you save on your monthly payment, pay less interest over the life of the loan, and become debt-free faster.
ABOUT TOM DONATONI
Tom Donatoni is a seasoned Mortgage Advisor with over 20 years of experience helping families across Southern California navigate one of the most important financial decisions of their lives. He has guided thousands of clients through the mortgage process with a straightforward, transparent, and client-first approach—because he believes lending should never be confusing, transactional, or disconnected from a client’s broader financial goals.
Tom takes a holistic view of mortgage planning, focusing on strategies that support a client’s entire financial picture, not just a single transaction. By asking thoughtful questions, collaborating closely with trusted partners, and emphasizing education, he helps clients make confident, well-informed decisions that stand the test of time. His goal is to build lifelong relationships rooted in trust, clarity, and consistent follow-through.
As a member of The Katalyst Team at Ethos Lending, Tom combines decades of personal experience with a modern, advisor-centric platform—providing clients and referral partners with greater flexibility, smarter strategies, and better long-term outcomes. His philosophy is simple: empower people with options, never pressure.
Outside of work, Tom is a devoted husband and proud father of three. He enjoys the outdoors and is actively involved in community service, including leadership within the Scouting community. His faith and church play a central role in his life, and he is deeply committed to giving back—striving to leave individuals, families, and communities better than he found them.
Specialties: | First-Time Homebuyers | FHA & VA Loans | Self-Employed Borrowers | Investment Properties
NMLS #: 153198 | Years in Business: 20+ | Loans Closed: 1000+
LOAN OPTIONS
Buy A Home
Personalized Home Financing
Conventional, FHA, VA, Jumbo loans and more - everything from first-time buyers to dream homes.
Refinance
Fast and Easy Process
Lower your rate, accelerate your debt-free date, or tap into your home equity for other goals.
Invest & Build Wealth
Expert Financial Guidance
DSCR, second homes, and investor property financing options designed for cash flow and long-term growth.
Testimonials
Hear What Past Clients Have Said
John made the entire mortgage process painless. He explained every option in plain English, beat the timeline we were worried about, and checked in after closing to make sure everything was settled. Highly recommend for first-time buyers.
Professional and responsive — John answered questions late into the evening and helped us lock a great rate. We felt comfortable entire time.
As a busy self-employed professional, I needed someone who could navigate complex income paperwork. John was organized, patient, and got my loan approved with an excellent rate. Fantastic service from start to finish.
CONTACT
© ETHOS Lending, Inc.
2025 - All Rights Reserved.
ETHOS Lending, Inc., dba “ETHOS Lending”, NMLS #1533336, an Equal Housing Lender. Licensed by the Department of Real Estate Corporation Mortgage Loan Originator Endorsement, DRE #02103430.
26391 Crown Valley Parkway, Suite 230, Mission Viejo, CA 92691
This is not a commitment to engage in a loan transaction. All applications are subject to full credit and property approval pursuant to the lender selected. Services not available in all states, check our licensing by clicking HERE.