Tom Gates at CrossCountry Mortgage
Loan Officer | NMLS #61691
University of Vermont
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Montvale, NJ. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner consider... Show More
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Tom is great! Fast, friendly, and dedicated. He made the process easy, and he even came to closing in person. Would highly recommend him to anyone.
Tom is very helpful and friendly. He produced a lightning fast preapproval that was critical to get our offer accepted. Then he helped us from offer acceptance to closing. Would not hesitate to recommend.
Tom was extremely attentive and quick to respond whenever we had a question or concern. His eagerness to reach out to the listing agent and advocate for us probably made the difference in our offer being accepted. All in all, he made a complicated...
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Reply from Tom Gates at CrossCountry Mortgage
July 20th, 2026 02:24 PM
Kevin, thank you so much for choosing to work with Team Gates! We loved all of it with you and Sarah, and we are truly happy for you to be settled in your new fantastic home! All the very best.
Tom was AMAZING! So friendly and made everything so easy for us through this process!
Reply from Tom Gates at CrossCountry Mortgage
June 21st, 2026 09:27 PM
Thank you Marisa, it was an absolute pleasure to work with you both! Enjoy every second in your new home and please call me if I can help with anything anytime.
Tom is the best! He kept us in the loop every step of the way. He kept us on track, which made this a very smooth transaction. I would HIGHLY recommend Tom and his team is looking for an experienced professional who will be by your side throughout...
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Reply from Tom Gates at CrossCountry Mortgage
June 2nd, 2026 05:24 PM
Awww shucks... Thank YOU Richele, it was wonderful to be in such regular comms with you again, and working with you guys is always a dream. :)
Tom Gates is patient, efficient, responsible.
Thank you
Reply from Tom Gates at CrossCountry Mortgage
April 17th, 2026 02:50 AM
Thank YOU Luis! It was great to get to know you and to help you meet your financial goals!
Tom
I recommend Tom and his team as I was an extremely difficult loan to get through. He pushed the team and myself and got me to the finish line
Reply from Owner
April 5th, 2026 03:51 PM
Thank you Steven. You keep us on our toes. Thank you for the kind words! Appreciate working with you to meet your goals.
This is my second mortgage with Tom. Both times were very challenging due to complications on my part . Tom pushed and got me through the finish line both times
Reply from Tom Gates at CrossCountry Mortgage
April 5th, 2026 03:49 PM
Thank you Steven. You keep us on our toes. Thank you for the kind words! Appreciate working with you to meet goals.
Personal and Professional. Tom walked us through the maze of applying, made it much easier than we thought possible, and clearly explained our options and the best path to follow. Truly a standout experience.
Reply from Tom Gates at CrossCountry Mortgage
February 19th, 2026 07:37 PM
Paul, thank you for the nice words! It was truly a pleasure to work together with you to make this (these!) dreams come true! Look forward to the BBQ! Stay well.
The experience was excellent every step of the way and always made me feel confident in moving forward.
Reply from Tom Gates at CrossCountry Mortgage
February 16th, 2026 04:30 PM
Thank you Louis!
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About
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Montvale, NJ. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner considering a refinance, I provide a selection of mortgage loan options to fit your goals. FHA loans, VA loans, conventional loans, and jumbo mortgages are just a few I offer to help you navigate home financing with confidence. From application to closing, I’ll give you a transparent process with clear communication and expert advice every step of the way. Together, we’ll bring your homeownership dreams to life. NMLS #61691 | Branch NMLS #1487417
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
Conventional Loan
VA Loan
Jumbo Loan
Fixed Rate Mortgage
Adjustable Rate Mortgage
FHA Loan
USDA Home Loan
FHA 203k Limited Refinance
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Education
- University of VermontCommunicationsBachelor of Arts (B.A.) in Communications
Year Started
2000
Time Zone
Eastern Standard Time (EST)
Licenses
- 61691
Hobbies
- Farming, Tennis, Paddle Tennis, Minibikes
Disclaimer
CrossCountry Mortgage, LLC
2160 Superior Avenue, Cleveland, OH 44114
NMLS3029 | MB.803095