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Tom Cifichiello

New Jersey - Basking Ridge

180 Mt. Airy Road, Suite 104

Basking Ridge, NJ 07920


About Tom

Loan Officer Thomas Cifichiello has joined the Basking Ridge, New Jersey Branch of Embrace Home Loans. Tom’s responsibilities include assisting and educating borrowers in acquiring mortgage loans as well as establishing long-lasting relationships with professionals within the industry.

Prior to coming to Embrace, Tom worked as an Account Executive, Junior Loan Officer and Manager of social media leads for an online lender. Tom is also a published author in the fantasy genre. He received the Pinnacle Book Achievement Award for his 2015 novel “Of Darkest Valor.”

Tom was born and raised in Suffern, New York where he currently resides. Originally studying law, Tom changed his major and received an Associate’s Degree in Business Administration from Bergen Community College. In addition to enjoying reading and writing, Tom plays basketball and football, and he describes himself as a huge lifelong Giants and Knicks fan.

Tom’s idea of a perfect day includes going to the gym before sitting down to write with some relaxing music in the background. He also enjoys watching football all day with friends and family. When not assisting customers throughout the loan process, Tom spends his time working on the second book in his series.

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


  • 5.0

    5.0 Survey completed on March 04, 2021

    Review By Sergio G. for Tom Cifichiello

    Completed transaction in February 2021

    Tom and his team were amazing to work with. They were attentive and always responded quickly to any questions or concerns we had. This was our second home-buying experience and it was by far the best experience. Everything was smooth and seamless and we felt that Tom had our best interest in mind. It was a true pleasure working with him.

  • 5.0

    5.0 Survey completed on February 27, 2021

    Review By Les W. for Tom Cifichiello

    Completed transaction in February 2021

    Tom is the most knowledgeable, responsive & prompt financier I have worked with; (the best in all my many real estate transactions to date). His savvy goes well beyond the financing instrument of a deal - he understands the entire real estate purchase process end to end; and is able to provide unbiased insights when asked. When others, outside of his area, in the process fall short, you can always count on Tom to rally in getting everyone back on track; and ensure things are done properly.

  • 5.0

    5.0 Survey completed on February 24, 2021

    Review By Thomas F. for Tom Cifichiello

    Completed transaction in February 2021

    Tom was always available for questions and helped through every step of the process. We had a very pleasant experience.

  • 5.0

    5.0 Survey completed on February 16, 2021

    Review By Jane M. for Tom Cifichiello

    Completed transaction in February 2021

    Tom was very knowledgeable and professional. He made the experience seamless and pleasant!!!

  • 5.0

    5.0 Survey completed on February 14, 2021

    Review By Jason S. for Tom Cifichiello

    Completed transaction in February 2021

    Tom was always there to answer any questions I had. Especially with this being my first home buying experience, he was helpful and willing to go above and beyond for me. I would recommend anyone to work with him.

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Mortgage Rates, Applications Jump Thanks to Economic Optimism

Mortgage applications recovered slightly from last week, inching up 0.5% compared to the week prior, according to the Mortgage Bankers Association. Purchase loans increased by 2%, while refinance loans rose just 0.1%. The news is a little surprising given the notable jump seen in rates over the week. The average rate on 30-year, fixed-rate loans…

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