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
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9 AM to 5 PM
Fri
9 AM to 5 PM
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closed
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Reviews from Web
Tom & his team! Thorough, communicative, overall excellent
From beginning to end, Tom and his team were amazing. I was provided with clear communication and ongoing support throughout the entire process. I highly recommend Tom to anyone looking to buy a new home!
Reply from Tom Cifichiello
August 3rd, 2025 10:48 AM
Thank you for your kind words, Patricia. I'm pleased to know that the communication and support I provided made a difference in your home buying experience. It was a privilege to assist you from start to finish. Your recommendation is greatly...
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Tom was very resonsive and answered all my questions. He was there every step of the way. Really appreciate him and look forward to working with him in the future.
Reply from Tom Cifichiello
July 31st, 2025 02:39 PM
I'm glad to hear that you found my responsiveness helpful, Sean. Ensuring you have a smooth experience and answering all your questions is important to me. Thank you for your kind words. I appreciate the opportunity to work with you now and...
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Tom is responsive and knowledgable. He also doesn't rush you off the phone when you have questions. Just a good guy. I'd honestly pay a little more to work with him because of how seamless he makes the process. I've worked with loan officers...
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Reply from Tom Cifichiello
July 7th, 2025 05:09 PM
I'm thrilled to hear about your positive experience, Collin. It was a pleasure assisting you with your loan purchase, and I'm glad that I could provide a seamless and supportive process. Your recommendation means a lot, and I appreciate your...
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We felt blindsided at closing when costs were thousands more than expected .
Tom is badically a modern day super hero .
No cap.
Reply from Tom Cifichiello
April 28th, 2025 07:41 PM
I'm thrilled to hear you had such a positive experience, Julia. It was a pleasure assisting you with your loan process. Thank you for your kind words and trust in Embrace Home Loans.
Tom and his entire team are amazing .
Reply from Tom Cifichiello
April 25th, 2025 04:24 PM
I'm thrilled to hear that you had a positive experience with me and my team, Lauren. It was our pleasure to assist you with your loan process. Thank you for your kind words and for choosing Embrace Home Loans.
Very smooth and fast process, easy to communicate with and always clearly answers questions.
Reply from Tom Cifichiello
March 18th, 2025 05:37 PM
Sebastian, I'm truly grateful for your kind words! It was a pleasure helping you with your home purchase. I'm delighted to hear that you found the process smooth and communication effective. Always here to answer any questions you might have...
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Tom made this process for us so understandin. he was so patient and answered all of our questions in a timely manner. We had such a good experience working with him.
Reply from Tom Cifichiello
March 15th, 2025 01:43 PM
Thank you so much, Rassha! I'm thrilled to hear that you had a positive experience. It was a pleasure helping you through the process, and I'm glad I could answer your questions and make things easier for you. If you ever need assistance in...
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Professional, and promote.
Reply from Tom Cifichiello
February 19th, 2025 01:45 PM
Thanks, Abhijeet, for taking the time to leave a review. It was a pleasure working with you on your loan purchase. I'm glad to hear you found our service professional. If there's anything more we can do or if you have further questions, feel...
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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.