What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Why we should work together
Ilene R., Pennington, NJ
Joseph C., New York, NY
Peter C., Princeton, NJ
Ryan & Matt
Tom was a critical part of ensuring our mortgage came through to meet our 30-day closing deadline – a deadline that was crunched further by a holiday weekend. We had worked with Tom during the pre-approval process and knew after he turned around multiple pre-approval letters to accompany our offers during the search for our dream home, that we could rely on him. He provided helpful guidance during the purchase of our first home, and even delivered our mortgage letter two days in advance of our contractual obligation. My husband and I are very appreciative of Tom’s professionalism as well as our great mortgage rate!
I originated a refinance loan on January 6th, 2020, and thanks to my fantastic team, on January 16th it was given the magical CTC, “Cleared to Close”. Thanks so much for getting this done so quickly – absolutely amazing!
Nicole L., CPA
Closing went well (it happened digitally) and we have officially moved in! Still living in boxes but love being here. THANK YOU for all of your help and support throughout the entire process. We have been so thankful for all the work you put in on our behalf. We absolutely could not have done this without your help and guidance!
Brittany and Kristin G.
It was so great to talk to you in person. I’m so grateful! I sent you a card, and I didn’t put this on it - thought of it after- Two words that help describe your character: Honor and Integrity. You stood by your word, were consistent in communicating and let me know honestly step by step where we were and why. Your personal calls to talk through things were so much appreciated.
Tom, you and your team provided superior service, making the entire loan process incredibly efficient and smooth for me. I am glad to continue referring folks from my network!
Jon B., Manalapan
Tom, I think you put it best when you said the reason I could fly in, sign, and fly out was because throughout this entire process we have had the best team supporting us and making sure each step was covered. You and Ren have been a huge part of that team and I want to express our heartfelt appreciation. I will shout the name GATES to anyone I hear looking to move!
Sarah K. , New Jersey
Working with Tom and Ren on my mortgage refinancing was an absolute pleasure. They took the time to clearly explain to me the various options available to me and the pros and cons of each. They were patient with answering all of my questions and allowing me to check in with others to ensure the option I selected was the best for my situation and goals. They both kept me fully informed during the process of where things stood and anything that was needed from me. Ren was my main contact for questions and made himself available for anything that I may have raised at any time. I never once felt rushed. Overall, the process and working with Tom and Ren was smooth and seamless. I would absolutely work with them again in the future and would recommend them to anyone.
Lynda G, Princeton, NJ
Tom and Ren Gates (and the rest of their team!) were such a pleasure to work with. From the beginning, I was impressed by how incredibly responsive they were, at any point that we needed them. In a crazy market, offers had to happen fast and they were there to draw up a pre-approval letter, run numbers to make sure we were in our budget, and talk through the decisions we needed to make. They were both incredibly knowledgeable and worked hard to make sure we felt informed and comfortable with the transaction. Not to mention they were able to help us close a little earlier and make our offer stand out among others! The whole lending process can be stressful, but this team made it so easy and smooth. They are an amazing team that helped us get a dream home in one of the craziest real estate markets, and I am so grateful to both of them for their support, dedication, and advocacy for us throughout the whole process. Thank you all!
A veteran of over 25 years originating mortgages, Mr. Gates joined loanDepot in the spring of 2010. Since then, he has consistently ranked in the Top 1% nationally of all loan originators.
Before joining loanDepot, he was a perpetual President's Club performer in mortgage origination with Arlington Capital Mortgage. He also served as vice president, directing the marketing and training initiatives for the sales and operations staff. When Arlington became Gateway Funding Diversified Mortgage Services, LP in 2008, Tom co-managed the Princeton Office. Prior to this, Mr. Gates was a top performer with Xerox in Boston, MA.
Outside of business, Mr. Gates pursues his passion for playing tennis, and since the summer of 2011, he can be found every week volunteering on a local sustainable farm in Hopewell. He became a grandfather in January 2019.
A native of Princeton, Mr. Gates, his wife Tracey, and their two kids have relished their "move home" since 1993. Tom is the chair of the Real Estate Business Alliance at the Princeton Regional Chamber of Commerce, and is a member of the board of Governors of Pretty Brook Tennis Club. Tom has served as an Elder and a Trustee of the Presbyterian Church of Lawrenceville, has served on the Golf and Tennis Committee for the Princeton Regional Chamber of Commerce, and the Steering Committee for the Blood Donor Program at Princeton Healthcare System. Mr. Gates is a former member of the Board of Trustees of Princeton Day School, where he also served as President of the Alumni Association.
Mr. Gates received his BA in Mass Communications from the University of Vermont, Burlington.
PA LIC# 20432 | CT LIC# 48608 | NY | NJ LIC# 9511092 | OR
Mortgage Education Videos
Calculate your payment
Crunch your own numbers with our mortgage calculators. Run as many different scenarios as you’d like to see how much home you can afford.
I'll be in touch shortly, and look forward to helping you find the right loan to fit your needs.