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.
Rating: 5.0 out of 5.0 from Encompass Tom was more of an advisor and problem solver Than a loan officer easy to communicate with and always willing to listen AndrasWaldwick, NJ May 23
Tom was more of an advisor and problem solver Than a loan officer easy to communicate with and always willing to listen
Rating: 5.0 out of 5.0 from Encompass Tom and his team were great to work with! Everyone was efficient and helpful. The process was simple and explained well with them. Awesome! EricCherry Hill, NJ May 03
Tom and his team were great to work with! Everyone was efficient and helpful. The process was simple and explained well with them. Awesome!
Rating: 5.0 out of 5.0 from Encompass Great communication and always had the clients best interest! It was a pleasure working with the whole team! RayCherry Hill, NJ Apr 18
Great communication and always had the clients best interest! It was a pleasure working with the whole team!
Rating: 5.0 out of 5.0 from Encompass Everyone we worked with was quick to answer questions and explain the process to us as first time homebuyers! Nicole AliciaCherry Hill, NJ Apr 15
Everyone we worked with was quick to answer questions and explain the process to us as first time homebuyers!
Rating: 5.0 out of 5.0 from Encompass Tom has excellent communication skills and is always avialble to answer questions JohnMOUNT LAUREL, NJ Apr 08
Tom has excellent communication skills and is always avialble to answer questions
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. SucheendraExton, PA Mar 31
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.
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... Karina ConcepcionTampa, FL Mar 24
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...
Rating: 5.0 out of 5.0 from Encompass Tom is very experienced in his field and pleasant to work with. NadiaPhiladelphia, PA Mar 23
Tom is very experienced in his field and pleasant to work with.
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. SvitlanaRoyersford, PA Mar 20
It would made it better if I got the answers to my questions and had things that I was asking for done.
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... Mattmillan55Medford Township, NJ Mar 12
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...
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... Lauren HargroveCollingswood, NJ Mar 12
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...
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. TraddapnHammonton, NJ Mar 12
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.
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! AmyCinnaminson Township, NJ Mar 12
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!
Rating: 5.0 out of 5.0 from Encompass Communications, explanations, customer service, diligence, commitment, availability. Kyle StevenTampa, FL Mar 12
Communications, explanations, customer service, diligence, commitment, availability.
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! AzitaTampa, FL Mar 11
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!
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. Robert AEatontown, NJ Mar 11
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.
Rating: 4.2 out of 5.0 from Encompass The communication was good. Very timely. Matthew CMedford, NJ Mar 11
The communication was good. Very timely.
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! KathyBrick, NJ Mar 11
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!
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... VincentAtco, NJ Mar 11
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...
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... PatriciaDelanco, NJ Mar 11
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...
Rating: 5.0 out of 5.0 from Encompass professional and personal Vincent JCinnaminson, NJ Mar 11
professional and personal
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 JohnCinnaminson, NJ Mar 11
Tom took every phone call from me and my clienya throughout the homebuying process and helped us . win a deal
Rating: 5.0 out of 5.0 from Encompass Tom was fantastic and always available for questions. They made a first time home buyers life easy. Thanks Tom! Samuel JohnTinton Falls, NJ Mar 11
Tom was fantastic and always available for questions. They made a first time home buyers life easy. Thanks Tom!
Rating: 5.0 out of 5.0 from write_review Tom and his entire team were nothing short of amazing throughout our journey to purchasing our first home. From day one, they stood by us, guiding us through every step with patience, transparency, and genuine care. When our first offer was declined, Tom went above and beyond by personally speaking with the seller’s agent to explain our story and... Kwana Mar 11
Tom and his entire team were nothing short of amazing throughout our journey to purchasing our first home. From day one, they stood by us, guiding us through every step with patience, transparency, and genuine care. When our first offer was declined, Tom went above and beyond by personally speaking with the seller’s agent to explain our story and...
Rating: 4.8 out of 5.0 from Encompass Communication was strong JenniferMount Holly, NJ Mar 11
Communication was strong