Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
Proudly serving clients across New Jersey, Florida and Pennsylvania.
Tom Fox helps buyers and homeowners navigate the mortgage process without the confusion, pressure, or guesswork. Based in NJ, PA, DE, and FL, Tom has been guiding clients since 1999 and is known for keeping things clear, honest, and human. People who work with Tom often appreciate his consultative, supportive style and creative problem-solving mindset. He believes that when people understand what’s happening, they feel more confident moving forward—and that confidence matters when making one of life’s biggest decisions.
Tom’s approach is rooted in experience and care. Over the years, he’s learned that persistence and professionalism can turn even the toughest situations into success stories. For Tom, this work isn’t just about numbers; it’s about making a difference in people’s lives. That’s why he takes pride in helping clients create the next home for their future, whether they’re first-time buyers, veterans, teachers, or families looking for a fresh start.
Outside of work, Tom is an adventurer at heart. He’s a father of boy/girl twins, a dog owner, and a thrill seeker who loves football, skiing, motorsports, and bicycling. He’s driven a top alcohol dragster at speeds up to 276 mph and enjoys hiking and high-elevation challenges in national parks. When he’s not helping clients or chasing adrenaline, you’ll find him supporting causes like the Leukemia & Lymphoma Society and spending time outdoors.
At the end of the day, Tom truly cares about his clients’ journey. His goal is simple: to make the process feel calm, clear, and tailored to each person’s needs—because buying a home should feel exciting, not overwhelming.
Tom was professional, proactive and incredibly knowledgeable about the market. We closed on time without a single hiccup, even though we had a bit of a snag from the builder/seller. If you want someone who gets the job done right and on time, look no further. Sucheendra Exton, PA March 31 Rating: 4.2 out of 5.0 from Encompass
Tom was professional, proactive and incredibly knowledgeable about the market. We closed on time without a single hiccup, even though we had a bit of a snag from the builder/seller. If you want someone who gets the job done right and on time, look no further.
Tom Fox and his entire team went above and beyond to ensure our family had the best financial plan and helped us close on our off market home in record time! From the first call to every text, email and call through finish, and even after, shows the care Tom and his team take in a very important and stres... Karina Concepcion Tampa, FL March 24 Rating: 5.0 out of 5.0 from Encompass
Tom Fox and his entire team went above and beyond to ensure our family had the best financial plan and helped us close on our off market home in record time! From the first call to every text, email and call through finish, and even after, shows the care Tom and his team take in a very important and stres...
Tom is very experienced in his field and pleasant to work with. Nadia Philadelphia, PA March 23 Rating: 5.0 out of 5.0 from Encompass
Tom is very experienced in his field and pleasant to work with.
It would made it better if I got the answers to my questions and had things that I was asking for done. Svitlana Royersford, PA March 20 Rating: 4.0 out of 5.0 from Encompass
It would made it better if I got the answers to my questions and had things that I was asking for done.
Tom Fox is very impressive with his knowledge and helpfulness. He is always accessible and was able to help me through the intricacies of getting a home loan. He worked hard to ensure that I closed with the best rate possible. Tom is a consummate gentleman and goes above and beyond normal service to provide support and knowledge during chaotic t... Mattmillan55 Medford Township, NJ March 12 Rating: 5.0 out of 5.0 from Zillow
Tom Fox is very impressive with his knowledge and helpfulness. He is always accessible and was able to help me through the intricacies of getting a home loan. He worked hard to ensure that I closed with the best rate possible. Tom is a consummate gentleman and goes above and beyond normal service to provide support and knowledge during chaotic t...
Tom made me feel comfortable with the home buying process from the first step to the last. He carefully explained everything we would need to know, and his processing team was knowledgeable and warm. Tom even talked me down from the ledge when I was ready to terminate our transaction in a fit of nerves! I'm SO glad we chose Tom to be our lender - I... Lauren Hargrove Collingswood, NJ March 12 Rating: 5.0 out of 5.0 from Zillow
Tom made me feel comfortable with the home buying process from the first step to the last. He carefully explained everything we would need to know, and his processing team was knowledgeable and warm. Tom even talked me down from the ledge when I was ready to terminate our transaction in a fit of nerves! I'm SO glad we chose Tom to be our lender - I...
Tom went above and beyond assisting me with buying my house! If there was something wrong, he became a detective to help find the solution. From start to finish, Tom had my back. Traddapn Hammonton, NJ March 12 Rating: 5.0 out of 5.0 from Zillow
Tom went above and beyond assisting me with buying my house! If there was something wrong, he became a detective to help find the solution. From start to finish, Tom had my back.
Tom was very professional and knowledgeable from start to finish! He understood my concerns, and helped me manage them. He explained all of the details in a way that I could understand them, and calmed my fears of making this big step. He was wonderful to work with! Amy Cinnaminson Township, NJ March 12 Rating: 5.0 out of 5.0 from Zillow
Tom was very professional and knowledgeable from start to finish! He understood my concerns, and helped me manage them. He explained all of the details in a way that I could understand them, and calmed my fears of making this big step. He was wonderful to work with!
Communications, explanations, customer service, diligence, commitment, availability. Kyle Steven Tampa, FL March 12 Rating: 5.0 out of 5.0 from Encompass
Communications, explanations, customer service, diligence, commitment, availability.
His communication was constant and always on point. We were very successful in reaching our client's goals and it was all possible due to Tom Fox and his team. Thank you! Azita Tampa, FL March 11 Rating: 5.0 out of 5.0 from Encompass
His communication was constant and always on point. We were very successful in reaching our client's goals and it was all possible due to Tom Fox and his team. Thank you!
Tom and his team took additional time to review everything multiples times with us to make sure we understood everything and had no further questions. Robert A Eatontown, NJ March 11 Rating: 5.0 out of 5.0 from Encompass
Tom and his team took additional time to review everything multiples times with us to make sure we understood everything and had no further questions.
On 04/30/2026 at 2:30 pm
Join us for Our Billion Dollar Playbook, a live mastermind designed to help real estate agents win more deals in today’s competitive market. Hear from Wes Costello of AnnieMac Home Mortgage as he breaks down the Cash2Keys suite of products and how to position your buyers like cash. Learn how Cash2Keys can level up your business.
10 Plays to Buy & Sell In a Competitive Market
5 Plays to Re-Engage Your Database & Stand Out