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Branch Manager
NMLS # 486208
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Click to email
301.748.1694
800.333.3004
ext. 3289
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Maryland - Frederick
21701
30 West Patrick St., Suite 300
Frederick, MD 21701
240-415-7111
About Tom
Tom is celebrating more than 10 years with Embrace Home Loans, most of that as the Manager of the Frederick Team (which includes Martinsburg, WV). He was named to the Chairman’s Club in 2020 with over $50 million in sales for the year. This is just the latest in a string of successes, including being named to the President’s Club nine years in a row and maintaining a 5-star rating on Social Survey.
Tom has a B.S. in Business Administration from Towson State University. He is active in the local community and is on the Board of Directors of both Heritage Frederick and the YMCA. He is also the Chartered Organizational Representative for Troop 470 Scouting USA and a member of Elks Lodge 684. Tom currently resides in Frederick where he enjoys history, genealogy, hiking, and biking in his free time.
2020 - 2012 
2020
Reviews(449)
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5
5 Survey completed on January 15, 2022
Review By Corey S. for Tom Trott
Completed transaction in January 2022
Great advice and communication. Speedy process.
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5
5 Survey completed on December 29, 2021
Review By David P. for Tom Trott
Completed transaction in December 2021
Very professional and gets things done! Great expierence.
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5
5 Survey completed on December 28, 2021
Review By Amar B. for Tom Trott
Completed transaction in December 2021
He is super nice guy and he helped us in every steps in loan process. I will definitely recommend.
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5
5 Survey completed on December 23, 2021
Review By Frances K. for Tom Trott
Completed transaction in December 2021
Tom was very professional very helpful waking me through the process and was always available when I needed to talk with him. He made the process go very smoothly for me.
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5
5 Survey completed on December 10, 2021
Review By William T. for Tom Trott
Completed transaction in November 2021
I may be biased, because I have known Tom for a long time. However, I decided not to hold that against him. In a way I feel like I’ve taught Tom everything he knows (not literally but maybe metaphorically). Tom and the Embrace team did a great job, and I’m not just saying that because he’s my Dad. I highly recommend reaching out if you are looking at new houses or possibly refinancing your current home!
What Is a Mortgage Loan?
A mortgage is a type of loan used to purchase a home. Since most homebuyers do not have hundreds of thousands in cash on hand, the majority of consumers use mortgage loans to purchase their properties. This allows them to spread the cost of the home out over time — often many decades. According to…
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