Tom Gates at CrossCountry Mortgage
Loan Officer | NMLS #61691
University of Vermont
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Montvale, NJ. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner consider... Show More
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Reviews from Web
The experience was excellent every step of the way and always made me feel confident in moving forward.
Reply from Tom Gates at CrossCountry Mortgage
February 16th, 2026 04:30 PM
Thank you Louis!
Tom was a great asset to my home buying experience. He was personable and professional throughout the entire process and went above and beyond to make sure everything was taken care of.
Reply from Owner
March 2nd, 2026 06:38 PM
Thank you Louis! I enjoyed every minute working with you. Congratulations on a great new home.
We couldn’t have asked for a better experience with Tom and the team at CrossCountry Mortgage LLC. They are truly the best in the business! From day one, Tom guided us through every single step of the home loan process with incredible patience,...
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Reply from Owner
March 13th, 2026 12:26 PM
R & H, How could we ask for a more powerful recommendation/review? Thank you from the bottom of my heart. The team loved working with you both, and we are counting on your referrals to be just like you....Professional, appreciative, and smart!...
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the time and dedication were a big help
Reply from Tom Gates at CrossCountry Mortgage
January 6th, 2026 04:26 PM
Thank you Robert, and congratulations on your new Investment!
Tom is just the best . He made the entire experience from start to finish incredibly super easy. As a first time home buyer I had tons of questions and Tom always made himself available. Would for sure recommend Tom and his team to everyone...
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Reply from Tom Gates at CrossCountry Mortgage
December 12th, 2025 10:35 PM
Congratulations Walter, on your fabulous new home, and THANK YOU for your kind words. It was a pleasure to work together on this journey!
Prompt,professional and good human being.Pleasure to work with and would definitely recommend to friends and family.
Reply from Tom Gates at CrossCountry Mortgage
December 7th, 2025 11:29 PM
Sid, your happy review means a great deal to me and my team. It was great to work with you to make this dream come true.
NYC look out!
Tom Gates at CrossCountry Mortgage has received a review with 5 star rating from Michael Z
Reply from Owner
March 2nd, 2026 06:39 PM
Thank you Michael!! You two are always a pleasure to work with. :)
We had a fantastic experience working with Tom -- he was responsive, trustworthy, and helpful across the board.
Reply from Tom Gates at CrossCountry Mortgage
November 28th, 2025 04:17 PM
Thank you Michael and Katie! It was, always is, a pleasure to work with you guys. I hope the lower payment makes the holidays even brighter. :)
Thank you so much!!
Reply from Tom Gates at CrossCountry Mortgage
November 10th, 2025 08:38 PM
Thank YOU Matt! It was a pleasure and I look forward to seeing you soon. Enjoy that pretty new home.
Dear Tom,
Thanks again for everything. Hope we can do anothe refinance in a few years.
Much appreciated your superb guidance, as ever.
Claiborne and Jessica Hancock
Reply from Tom Gates at CrossCountry Mortgage
November 3rd, 2025 05:17 PM
Thank YOU for your loyalty and wonderfully friendly countenance! See you SOON!
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About
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Montvale, NJ. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner considering a refinance, I provide a selection of mortgage loan options to fit your goals. FHA loans, VA loans, conventional loans, and jumbo mortgages are just a few I offer to help you navigate home financing with confidence. From application to closing, I’ll give you a transparent process with clear communication and expert advice every step of the way. Together, we’ll bring your homeownership dreams to life. NMLS #61691 | Branch NMLS #1487417
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
Conventional Loan
VA Loan
Jumbo Loan
Fixed Rate Mortgage
Adjustable Rate Mortgage
FHA Loan
USDA Home Loan
FHA 203k Limited Refinance
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Education
- University of VermontCommunicationsBachelor of Arts (B.A.) in Communications
Year Started
2000
Time Zone
Eastern Standard Time (EST)
Licenses
- 61691
Hobbies
- Farming, Tennis, Paddle Tennis, Minibikes
Disclaimer
CrossCountry Mortgage, LLC
2160 Superior Avenue, Cleveland, OH 44114
NMLS3029 | MB.803095