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Your Local CrossCountry Mortgage Loan Officer

Tom Gates

  • Loan Officer
  • Montvale, NJ Mortgage Loan Officer
  • NMLS #61691

Your biggest decision is my biggest passion

Hello! I’m Tom Gates, a veteran of over 30 years in home financing. Over the years, I’ve consistently enjoyed President’s Club and Chairman Elite recognition. Our son Ren partnered with me in 2020, and we are proud to serve clients with a wink and a smile at America’s #1 Retail Mortgage Lender.

A native of Princeton, my wife, Tracey, and our two kids moved home from the Boston area in 1993. You’ll find me volunteering weekly at Double Brook, a sustainable farm in Hopewell, and playing tennis.

Boards & Committees

· Former Chair of the Real Estate Business Alliance at the Princeton Regional Chamber of Commerce

· Executive Board of The WorkWell Partnership, a nonprofit helping formerly incarcerated people get into the workforce

· Elder & Trustee of the Presbyterian Church of Lawrenceville

· Board of Governors at Pretty Brook Tennis Club

· Golf & Tennis Committee for the Princeton Mercer Regional Chamber of Commerce

· Steering Committee for the Blood Donor Program at Princeton Healthcare System

Tom’s testimonials

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Guides and resources

My social posts

Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

Calculate how much you can save if you refinance your mortgage 

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

A woman in her home office is excited to learn about down payment assistance options.
A family plays together peacefully knowing they found the best option to help them reach financial wellness.
A contractor meets with the homeowner and discusses improvements to create their dream home.

Down Payment Assistance

Turn years from now into today 

Saving for a down payment can be a challenge, we get that. With our variety of down payment assistance (DPA) programs for conventional and FHA loans, you could buy a home with little or no cash. 

For most of these programs, one buyer must be a first-time homebuyer, and homebuyer education and other requirements may apply. 

We make home happen. Contact me today to see which option is best for you. 

Learn more

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

Make Any Home Your Dream Home

Tired of leaving open houses without finding “the one?” With a renovation loan, you can bring your ideas of the perfect home to life! 

Here’s how: 

  • Finance the costs of buying and upgrading a home with one loan, so you can purchase an imperfect but good (and probably less expensive) house and add your personal touch.  
  • Refinance the cost of home improvements to get the benefits of moving without the packing and unpacking, figuring out new utilities…you know the hassle. 

Frequently asked questions

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