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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 were great to work with! Everyone was efficient and helpful. The process was simple and explained well with them. Awesome! Eric Cherry Hill, NJ May 03 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!
Great communication and always had the clients best interest! It was a pleasure working with the whole team! Ray Cherry Hill, NJ April 18 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!
Everyone we worked with was quick to answer questions and explain the process to us as first time homebuyers! Nicole Alicia Cherry Hill, NJ April 15 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!
Tom has excellent communication skills and is always avialble to answer questions John MOUNT LAUREL, NJ April 08 Rating: 5.0 out of 5.0 from Encompass
Tom has excellent communication skills and is always avialble to answer questions
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...