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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

    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.

  • 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.

  • 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.

  • 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.

  • 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!

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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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