Tom Cifichiello
Loan Officer | NMLS 1430482
Tom Cifichiello (NMLS #1430482) is a premier mortgage loan officer and local lending expert in Basking-Ridge, New-Jersey. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Tom provides comprehensiv... Show More
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Business Hours
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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closed
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Reviews from Web
Tom is communicative and flexible when my clients' needs changed.
Very responsive and helpful
Reply from Tom Cifichiello
January 12th, 2026 05:14 PM
I'm glad you found the experience responsive and helpful, Jayqwan. Your feedback means a lot, and I’m here if you have any more questions or need further assistance with your home loan.
Easy communication!
Reply from Tom Cifichiello
December 15th, 2025 07:51 PM
I appreciate your feedback, Cristina. I'm glad to hear that communication was a positive aspect of your experience. If you have any further questions or need assistance with your loan, please don't hesitate to reach out.
Generally an easy experience and the technology and interface worked well. Tom's open communication was very helpfull and his team was great to work with as well
Reply from Tom Cifichiello
December 8th, 2025 08:41 PM
I'm pleased to hear that your experience was smooth and that the technology met your needs, Jeffrey. Open communication is something I prioritize, and it’s reassuring to know it was helpful to you. I’m also glad you found my team supportive...
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Tom is always very responsive and takes the time to explain things, and answer questions. The whole team at Embrace Home Loans has been pleasant and professional!
Reply from Tom Cifichiello
November 12th, 2025 02:45 PM
It’s great to know that you appreciated the responsiveness and thorough explanations, Domenic. I believe that taking the time to answer your questions is crucial. I'm also pleased that you found the team at Embrace Home Loans to be professional...
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He walked me every step of the way, and communicated everything precisely.
Reply from Tom Cifichiello
October 20th, 2025 04:21 PM
I'm glad to hear that you felt supported throughout the process, Joshua. Clear communication and guiding you at each step are priorities for me, and I'm pleased it met your expectations. Thank you for sharing your experience, and if there's...
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Tom and his team had great communication with myself and my buyer's, we had some challenges but the team kept the buyers calm.
Tom has been so wonderful and supportive throuhout both buying and the refinancing processes. He's communicative and went above and beyond to ensure our questions were answered and that we understood the process!
Reply from Tom Cifichiello
September 20th, 2025 04:50 PM
I'm grateful for your feedback, Nicole. It's rewarding to know that my communication and support were helpful during both your buying and refinancing experiences. Ensuring clarity and addressing all your questions is something I always strive...
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Working with Tom and Meghan was a pleasure both very professional and
Reply from Tom Cifichiello
September 13th, 2025 04:38 PM
I'm glad you found working with us to be a positive experience, Michael. It’s important to me to maintain professionalism throughout the process, and I’m pleased that both Meghan and I were able to meet your expectations. Thank you for your...
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The process throughout the entire experience went very smooth. You were extremely informative, patient and kind which brought us ease from start to finish. Thank you for your professional and excellent service.
Reply from Tom Cifichiello
August 27th, 2025 10:09 AM
Thank you so much, Denise, for your thoughtful review. I'm pleased to hear that the process felt smooth and that my approach brought ease to your home buying journey. Being informative, patient, and kind is important to me, and I'm glad it...
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About
Tom Cifichiello (NMLS #1430482) is a premier mortgage loan officer and local lending expert in Basking-Ridge, New-Jersey. Specializing in first-time homebuyer programs, conventional loans, FHA, VA, and refinancing, Tom provides comprehensive home financing solutions with Embrace Home Loans. Loan Officer Thomas Cifichiello has joined the Basking Ridge, New Jersey Branch of Embrace Home Loans. Tomâ_x0080__x0099_s responsibilities include assisting and educating borrowers in acquiring mortgage loans as well as establishing long-lasting relationships with professionals within the industry. Contact Tom today to explore your home loan options and get pre-approved!
Products & Services
Mortgage Loan Officer
FHA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Adjustable Rate Mortgages
Non-QM
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Positions
- Embrace Home Loans - Mortgage Loan OfficerAug 1st, 2016 - Current
Year Started
1983
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS 1430482
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Disclaimer
Embrace Home Loans, LLC. is an Equal Housing Lender
Embrace Home Loans, LLC. | NMLS ID # 2184
25 Enterprise Center | Middletown, RI 02842 | Toll Free: 833-242-5820
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NMLS Consumer Access: http://www.nmlsconsumeraccess.org
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Embrace Home Loans, Inc. NMLS ID # 2184 is licensed in AL, AZ (Lic.#BK-0906375), AR, CA Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, CO (Lic.#096162) Regulated by the Division of Real Estate, CT, Licensed by the Delaware State Bank Commissioner to engage in business in Delaware (Lic.#7317, Exp.12/31/2017), DC, FL, GA (Lic.#12848), ID, Illinois Residential Mortgage Licensee, IN, IA, KS, Supervised Lender Licensee (#SL0000625), KY, LA, ME, MD, MA Mortgage Lender & Mortgage Broker (Lic.#MC2184), MI, MN, Mississippi Licensed Mortgage Company, MO, NE, Licensed by the New Hampshire Banking Department, Licensed by the New Jersey Department of Banking and Insurance, NM, NY Licensed Mortgage Banker - NYS Department of Financial Services, NC, ND, OH, OK, OR (Lic.#ML322), PA, Rhode Island Licensed Mortgage Lender and Mortgage Broker, SC, SD, TN, TX, UT, VA, WA, WV, WI.