Thomas Calugay

"A highly experienced mortgage professional with 28 years in the industry, specializing in personalized loan solutions across a full range of mortgage products. Tom brings more than two decades of retail mortgage banking experience, having spent 25 years with leading financial institutions. Throughout his career, Tom has been committed to guiding clients through the home financing process with clarity, care, and tailored solutions to meet their unique needs. In addition to his professional accomplishments, Tom is deeply involved in community outreach and industry engagement. He actively collaborates with nonprofit real estate organizations, participates in first-time homebuyer advocacy initiatives at both local and state levels, and regularly supports educational and networking events for real estate and mortgage professionals. He is also a member of the Asian Real Estate Association of America (AREAA). Outside of his professional role, Tom is dedicated to giving back through volunteer work with Habitat for Humanity and his local Community Food Bank. He resides in Union County, New Jersey with his wife and family, and is a proud parent of a college senior and a high school junior. In his free time, he enjoys following his favorite teams, the Raiders and the Mets."