Chairman's Elite

Tom Gates

Loan Consultant · NMLS: 61691

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Our Process

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!

Step 1

Apply online

Step 2

Connect & verify documents

Step 3

Contact your loan officer & lock your rate

Step 4

Loan closes & funding is received!

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Client Testimonials

Why we should work together

Thank you Tom for the seamless process. As always, it's a pleasure to work with you. We have now mortgaged or refinanced for the 4th time with you, and we have recommended you to several people.

Dmitriy G.

Tom Gates was recommended by our real estate agent, when our local credit union didn't handle VA mortgages. Tom Gates proved to be a good person to have on our team. He was positive and accessible, moved things to closing and got the job done. He works well with other people and maintains helpful contacts. Buying real estate in NJ can be a challenging venture, employing Tom led us to success.

Ilene R., Pennington, NJ

I really can't say enough good things about Tom and his team! Tom is an unquestionable expert who genuinely cares about his clients. I've worked with Tom on three separate occasions and I can attest that he is unfazed by the seemingly inevitable complications that arise and he's quick to find answers and solutions. In this age of depersonalization Tom is a welcome throwback - if you speak with him for five minutes you feel as if you've known him for years. There's a reason he's one of the best... smart, caring and motivated are a winning combination.

Joseph C., New York, NY

As a CPA, I have had to assist a number of clients over the past couple of years with information regarding their re-finances. If they had contacted me first, I could have sent them to you and we both (client and myself) could have saved a lot of headaches. Your process was seamless from the beginning and the available on-line down load made the whole process efficient and painless. No comparison to some of the nightmare experiences endured by my clients using other mortgage lending services. Really appreciated your guidance from the beginning to the end. Was very happy with our re-finance experience with you and your team!

Peter C., Princeton, NJ

Everything went perfect today. We'll be taking it easy during the week and then the fun begins this weekend. Thank you again for all your help during this stressful process. You and Kristy made it so painless for us. You will both be highly recommended to anyone who asks who we worked with.

Ryan & Matt

Tom Gates and his team (Kristyn) at loanDepot were such a pleasure to work with. My husband and I thought it would be next to impossible to be able to obtain a home of our dreams and Tom and Kristyn made it possible. The mortgage and underwriting process can be grueling at times but Tom and Kristyn handled it with such delicacy and understanding-they treated us as family and not just as another customer. Tom and Kristyn not only made us feel that they cared about us obtaining a home, their genuine support showed us that they did really care and their excitement when we did obtain that final mortgage commitment reassured us they really did care!!!! I would highly recommend Tom Gates and loanDepot to anyone who is looking to buy or refinance their home. They were awesome!!! Tom and Kristyn put the big name banks to shame with their amazing customer service and their patience with our endless questions. If you are looking to buy or refinance Tom Gates and loanDepot should be your first and only call.

Teresa

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!

Brittney G.

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.

Ginny B.

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

About

About Tom

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