Tom Cumpston

Tom Cumpston
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Branch Manager

NMLS ID 173885
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Office Address: address icon

122 South Main Street
Bel Air, MD 21014
Office Phone: phone icon

410-879-0160
Cell Phone: phone icon

410-808-4211
Licensed in: Delaware (MLO-173885), Maryland (173885), Pennsylvania (45798), Florida (LO102232)
To verify licenses, please visit www.nmlsconsumeraccess.org and enter the NMLS ID.
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    Tom Cumpston

    Branch Manager

    NMLS ID 173885
    Lendaid Reviews
    Borrower Portal Login
    Office Address: address icon

    122 South Main Street
    Bel Air, MD 21014
    Office Phone: phone icon

    410-879-0160
    Cell Phone: phone icon

    410-808-4211
    Licensed in: Delaware (MLO-173885), Maryland (173885), Pennsylvania (45798), Florida (LO102232)
    To verify licenses, please visit www.nmlsconsumeraccess.org and enter the NMLS ID.
    Send Tom a Message

      For security purposes, please do not disclose any confidential or sensitive information in the form fields. You can contact me by filling out the information on this page. Please be sure to fill in all fields to ensure a proper response.

      About Tom:

      With over 36 years in the mortgage industry and more than 20 years at First Home Mortgage, Tom Cumpston is a seasoned expert who makes the home financing process feel seamless—even fun! As the VP Branch Manager of the Bel Air office for over 15 years, Tom has helped countless families turn their homeownership dreams into reality with his knowledge, honesty, and unwavering dedication.

      Known for his personable approach and commitment to top-notch customer service, Tom treats every client like family. He’s always happy to answer questions, break down complex mortgage options, and ensure borrowers feel confident in their decisions—whether they’re buying their first home, upgrading, downsizing, refinancing, or diving into investment properties.

      A lifelong Marylander and die-hard Ravens fan, Tom brings that same passion and energy to his work. When he’s not helping clients, you can find him cheering on his team, enjoying time with his wife and family in Harford County, or staying involved with the local real estate community as an active member of the Harford County Board of Realtors and the Leaders Club.

      Testimonials For Tom

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      Working with Tom, Tiffany, and Shana has been such a pleasure. My wife and I were completely new to the process being first-time homebuyers, so we came in with a load of questions. Tom and his team were available around the clock and always answered our questions with compassion, professionalism, urgency, and thoroughness. Tom was always available for phone-calls and was dedicated to making sure I understood everything every step of the way. Once we were locked in and approved, Tiffany went above and beyond for us. She was on top of everything and was always one-step ahead. Because of their hard work, we closed on time and were stress free the entire process. Would highly recommended this fantastic team!!!

      Garrett A Baltimore, MD

      Tom and his group are phenomenal. Borrowing can be a challenge when self employed. Tom and his team were able to navigate me through the process with ease. I highly recommend!

      Brent Kingsville, MD

      Thomas was simply amazing. I could not have asked for a better person to help me on the purchase of my first home! He went above and beyond and truly helped me understand the process and addressed all my many questions. I am so thankful that my friend recommended Thomas, and I will 100% be recommending him to all my clients and friends. Thomas IS THE BEST!

      Felipe Bel Air, MD

      Tom and his team were responsive, friendly, and available for any questions or requests I had. Thanks to their expertise and initiative, I closed in about three weeks from offer acceptance!

      Tara Edgewood, MD

      I love Tom and his team. This is my 2nd home fiancé with first home. Tom is very informative and the process was easy. I have nothing but good reviews. He’s a wonderful person. I will definitely use him again and refer all my friends and family.

      Tonya Thames Perry Hall, MD

      Always thier to answer any questions I had and always trying to make the whole home buying process easier for me! Very happy with my experience and will definitely recommend to friends and family great guy with a great team!

      Kingsville, MD

      Tom is very friendly and works with you to make sure you get the best rate. He keeps you informed of any changes and gives advice to help you make the right decision.

      Churchville, MD

      Mr. Cumpston was amazing during my mortgage process. He always emailed me back within a timely matter and answered all my questions. He even emailed me on Thanksgiving morning within 40 minutes, If that’s not service then I don’t know what is! I’ve already recommended people to First Home. After painfully trying to use another bank First Home came to the rescue. I will use them in the future no doubt. Extremely recommend them to anyone looking for more information, or for anyone who wants to get their “First Home”.

      Perryville, MD

      The entire team was extremely helpful and very accessible anytime. They answered any questions we had and really explained the home buying process for us first timers! We are extremely greatful and I recommend Tom and First Home to anyone looking to start this process!

      Perry Hall, MD

      Mr. Cumpston has worked with us for three separate mortgages all were easy and pain free. Tom and his supporting staff are professional, friendly and incredibly hard working. If you need a mortgage see Tom Cumpston FIRST!!

      Forest Hill, MD
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