Skip To main content
Tom Trott

Maryland - Frederick
21701

30 West Patrick St., Suite 300

Frederick, MD 21701

240-415-7111

About Tom

After two years as a Senior Loan Officer with Embrace, Tom was promoted to a Branch Manager in April of 2013. He brings over 20 years of experience in the residential & commercial mortgage business. Prior to joining the Embrace Family, Tom was a Senior Loan Officer with Presidential Bank Mortgage for eight years and received his B.S. in Business Administration from Towson State University. Tom is active in the local community serving on the YMCA Board of Directors. He is also a member of Elks Lodge #684 and Heritage Frederick (previously the Frederick Historical Society).

Tom was formerly the Treasurer of BSA Troop 470 and a member of the finance committee at Brook Hill United Methodist Church. He currently resides in Frederick where he enjoys studying history / genealogy, fishing, bike riding, and grilling in his free time.

Embrace home loans Presidents Club 2019, 2018, 2017, 2016, 2015, 2014, 2013, 2012

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

Reviews(297)

  • 5.0

    5.0 Survey completed on December 01, 2020

    Review By Christina B. for Tom Trott

    Completed transaction in November 2020

    Tom Trott went above and beyond to help me close on my new home in record time.

  • 5.0

    5.0 Survey completed on November 23, 2020

    Review By Julie D. for Tom Trott

    Completed transaction in November 2020

    Tom was kind, professional, and fast! He understood what it felt like for a busy, single parent, scrambling with three little kids in the background, while I tried to figure out information with him. He made the experience so pleasant and easy! Thank you so much!

  • 5.0

    5.0 Survey completed on November 23, 2020

    Review By Jill M. for Tom Trott

    Completed transaction in November 2020

    Tom was fantastic during the whole closing process

  • 5.0

    5.0 Survey completed on November 22, 2020

    Review By Marilyn M. for Tom Trott

    Completed transaction in November 2020

    Very easy process!

  • 5.0

    5.0 Survey completed on November 21, 2020

    Review By Craig C. for Tom Trott

    Completed transaction in November 2020

    Tom getting back with answers quickly.

Loan in progress?

Please correct the form errors and try again.
Refis Fall, While Purchase Loans Surge Over Thanksgiving Holiday

Mortgage applications dropped this week, though only slightly. According to the Mortgage Bankers Association, refinance applications dipped 5% for the week, while purchase activity rose 9%. Both remain higher than last year’s numbers (by 102% and 28%, respectively).  Here’s what Joel Kan, MBA’s associate vice president of economic and industry forecasting, had to say about…

Read More