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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 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 January 08 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.
The communication was good. Very timely. Matthew C Medford, NJ December 26 Rating: 4.2 out of 5.0 from Encompass
The communication was good. Very timely.
Had a great experience with Tom Fox! Tom kept me informed throughout the process & his team is wonderful! Thank you so much for getting us to the closing table! Kathy Brick, NJ November 28 Rating: 5.0 out of 5.0 from Encompass
Had a great experience with Tom Fox! Tom kept me informed throughout the process & his team is wonderful! Thank you so much for getting us to the closing table!
Tom is my go-to lender, I refer ALL my clients to him when possible. Tom is no afraid to jump in with both feet to get a transaction to the closing table. On every tranaction, there is usually some challenge that we have to overcome. Tom will either handle it himself or he will provide information on how to retify it. On my last closing with Tom, t... Vincent Atco, NJ November 18 Rating: 5.0 out of 5.0 from Encompass
Tom is my go-to lender, I refer ALL my clients to him when possible. Tom is no afraid to jump in with both feet to get a transaction to the closing table. On every tranaction, there is usually some challenge that we have to overcome. Tom will either handle it himself or he will provide information on how to retify it. On my last closing with Tom, t...
Tom, I want to thank you for the outstanding service that I received during my recent refinance with Annie Mac. Tom has now handled my mortgage needs twice, and his service has been consistently outstanding. He made such an impression during our first transaction that he was the first person I thought to call when I decided to refinance. Tom and hi... Patricia Delanco, NJ November 15 Rating: 5.0 out of 5.0 from Encompass
Tom, I want to thank you for the outstanding service that I received during my recent refinance with Annie Mac. Tom has now handled my mortgage needs twice, and his service has been consistently outstanding. He made such an impression during our first transaction that he was the first person I thought to call when I decided to refinance. Tom and hi...
Tom took every phone call from me and my clienya throughout the homebuying process and helped us . win a deal John Cinnaminson, NJ November 13 Rating: 5.0 out of 5.0 from Encompass
Tom took every phone call from me and my clienya throughout the homebuying process and helped us . win a deal
Don't miss our Real Estate Realities: Relationships Over Transactions live webinar! Most agents burn out chasing the next deal. But the ones who thrive? They build relationships that keep business coming to them. If you’ve ever felt like your follow-up game needs more follow-through, this one's for you! See you there
02/25/2026
2:00 pm