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Tom Fox

Branch Manager/VP of Mortgage Lending
20 Clementon Rd E, Suite 102N, Gibbsboro, NJ 08026
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NMLS: 33932
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Tom Fox was excellent! Extremely helpful throughout this process. Not sure any other company would have gone above and beyond as he and his team did!

Amanda L.- Shamong,NJ | JUN 2016

Completing everything digitally made the process very simple. Tom Fox responded quickly and effectively to my inquiries. It was a pleasure.

Luann M.- Marlton,NJ | JUN 2016

Tom Fox and his team were really great throughout the process. They were very professional as they helped me get my mortgage.

Ankitkumar P.-Trenton,NJ | MAY 2016

From start to finish the team was there for me. They walked me through one step at a time, which made it stress free. I would definitely recommend them.

Walter D. -Browns Mills, NJ | APR 2016

Excellent service, and very accommodating to our busy schedule.

Kevin R. -Warrington, PA | APR 2016

Tom Fox and his team, Denise and Michelle, were absolutely amazing! They were always reachable even after business hours, they always explained everything so I understood what was going on at all times. I would highly recommend Tom to anyone I know that needs help!

Joseph P. -Trenton, NJ | APR 2016

Tom Fox was excellent and thorough in applying diligence to my application

Monica L. – Willingboro, NJ | AUG 2015

Tom took time out to explain reassure and work though details and all processes.

Barry L.– Voorhees, NJ | JULY 2015

Tom Fox was a pleasure to work with. He called regularly and kept me updated every step of the way. I would recommend him to friends and family. He is an asset to your company.The team was excellent and communicated very well. I was provided with everything that I needed.

Gregory P.

Tom Fox was a pleasure to work with. He called regularly and kept me updated every step of the way. I would recommend him to friends and family. He is an asset to your company.The team was excellent and communicated very well. I was provided with everything that I needed.

Gregory P. -- Glassboro, NJ 8/11/2014

“Tom is passionate about assisting his clients. He kept me informed during each step of the process and made it a painless experience. Thank you!”

Hutch – Haddon Township, NJ – 6/2014

About Tom

Thomas Fox is a 17 year veteran in the mortgage business. From first time home buyers to multi-millions dollar estates, he has been helping customers achieve the dream of home ownership. He is a husband and father of boy-girl twins. Tom also enjoys the great outdoors, skiing and the beach. He is also a Top Alcohol Dragster pilot, that has gone over 265 Miles Per Hour in the quarter mile! Right now his focus is the tri-State area including Pennsylvania, New Jersey and Delaware. Tom and the staff at the Marlton, NJ office can help you with your home purchase, refinance or building your dream home with a simple, clean, streamlined process. Tom and his team have over 50 years of combined experience and will make you feel confident in their ability to secure you a low rate, low fee mortgage. He has received multiple awards and recognition for his production and problem solving abilities. He would like to share his experience with you on your next loan.

Tom interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
In my previous career I helped people improve quality of life physically, now, I help them improve quality of life financially
Who is your typical customer and what questions do they typically have?
My Typical customer is someone looking for a home or a new one. The questions are always about how I can help them make the process easier.
What specific steps do you use to help your customers find the best home loan for them?
I evaluate their complete needs and wants and their current financial position to help them make the right choices
How long have you been in the mortgage business? What awards have you won?
17 year in the business. I have been in the President's Club many years and was Awarded the Spirit of Lending Tree Award for the Highest customer service and conversion in a network of over 6000 Loan officers
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
The Fixed rate never changes. No Surprises. It is generally a little higher than an ARM, but if you know how long you will be in a home an ARM could be the perfect solution.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
We had a Customer going though a tough divorce. I was able to step in and assist in the recording of the decree and allow my customer to complete their purchase for her and her cheildren.
What advice would you give new or first time home buyers?
Get your Pre-Approved first. That way you understand the right purchase price and all of your credit profile and how it effects you and your purchase.
Tell us about a mortgage product that consumers may not be aware of?
A Reverse Mortgage for a retired borrower that still had a home loan
How has the mortgage industry changed since you started, and what would you expect in the future?
There have been many changes in the mortgage market over the years since I first started. The biggest challenge is verifying the movement of funds to close. Simply understanding those changes makes it easier for a client to buy with less stress. I can help explain those steps
What part of the home loan process do customers find most difficult and how do you help them through it?
Customers have the most trouble with qualifying guidelines and debt ratios. I help them understand what that is in simple terms and show them how it effects the loan process.
What are the top 3 misconceptions people have about the home loan process?
Renting is better than owning, I can afford to buy and, my credit is no good are the 3 biggest missconceptions about buying a home.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
Zillow, Trulia and my web site are all they need.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
A Good local realtor and attorney
What can borrowers do to insure a smooth mortgage underwriting process?
Have all of your income and assets gathered and complete.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
Marlton Business Association and Shamong Foundation
Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
Shamong Foundation we help to fund the school projects that the state can't fund
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Cinnaminson NJ. Attended Drexel and Hahnemann Universities and am an active Member in the NHRA
What provides you with the most satisfaction in your job as a Loan Officer?
Helping people close on thier new home
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
My children are Freshman in High School. I have boy-girl twins and they are active in sports. We are always traveling for their events.
Tell us something that makes you unique or something wacky, yet interesting about you?
I Drive a Top Alcohol Dragster at over 265mph.

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