Top 3 Mortgage Lenders in Toms Brook

F&M Mortgage is a highly-rated local mortgage lender based in Winchester, just minutes from Toms Brook. With over two decades of experience serving the Shenandoah Valley, they've built an exceptional reputation for personalized service and competitive rates. Their team specializes in all major loan types including VA loans, which is particularly valuable for the military community in Northern Virginia. Customers consistently praise their responsive communication, local underwriting expertise, and smooth closing process. As a community-focused lender, they understand the unique real estate market dynamics of rural Shenandoah County and surrounding areas.

Apple Federal Credit Union is one of the largest and most respected credit unions serving Northern Virginia and the Shenandoah Valley, including Toms Brook. While founded earlier than the specified range, their mortgage division has maintained contemporary lending practices with exceptional member satisfaction. They offer competitive rates for members and specialize in first-time homebuyer programs, VA loans, and construction lending. Their local branch presence in Winchester provides convenient in-person service for Toms Brook residents. Members consistently highlight their transparent pricing, educational approach, and commitment to finding the right mortgage solution.

Movement Mortgage has established a strong local presence in the Winchester area with dedicated loan officers serving Toms Brook and surrounding Shenandoah County communities. While a national lender, their local team brings deep knowledge of the rural Virginia market and offers quick turnaround times with in-house processing and underwriting. They're particularly noted for their efficient closing process and strong customer service. The company has received numerous industry awards and maintains high satisfaction ratings for their transparent communication and competitive rate offerings. Their expertise with both conventional and government-backed loans makes them a versatile option for Toms Brook homebuyers.