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Tom Trott

Maryland - Frederick

30 West Patrick St., Suite 300

Frederick, MD 21701


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.

Embrace home loans Presidents Club 2020 - 2012    Chairmans Club Award 2020

98% Customer Satisfaction Rating
Zillow 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender


  • 5.0

    5.0 Survey completed on June 15, 2021

    Review By Sarah H. for Tom Trott

    Completed transaction in June 2021

    Tom and his team made the loan process simple and easy to follow every step of the way. They are quick to communicate, always on top of what’s going on with your file, and provide a level of service that is above and beyond anything I’ve experienced before. I would 100% use him again in the future, as well as refer friends and family.

  • 5.0

    5.0 Survey completed on June 05, 2021

    Review By Gregory R. for Tom Trott

    Completed transaction in June 2021

    Tom was fantastic. He went above and beyond his duty and was always available to help, even while on vacation. He will be recommended by my wife and myself in the future.

  • 5.0

    5.0 Survey completed on May 31, 2021

    Review By Lisa C. for Tom Trott

    Completed transaction in May 2021

    Tom is great to work with! He is very knowledgeable, answers all questions and walks you through all steps in the process. Highly recommend Tom!!

  • 5.0

    5.0 Survey completed on May 30, 2021

    Review By Atlee H. for Tom Trott

    Completed transaction in May 2021

    easy to talk too,very pleasant

  • 5.0

    5.0 Survey completed on May 27, 2021

    Review By Jamie S. for Tom Trott

    Completed transaction in May 2021

    He was very attentive and responded very promptly to any questions I sent via email. And when problems were identified we were able to quickly work out what needed to be done to fix it.

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4 Risks of Waiving Your Home Inspection

In today’s red-hot housing market, competition is stiff. About two-thirds of all buyers find themselves in a bidding war, and with for-sale listings in such low supply, many are willing to pull out all the stops just to win a house. One of those stops? That’d be the inspection contingency. That’s right: Buyers are regularly…

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