TFB holds a unique position as one of the sole remaining community banks in Prince William and Fauquier counties. Our local ownership means that all of our lending decisions are also made right here, with the best interests of the community in mind. Throughout our history, we've grown to meet the needs of the people we serve. Today we are proud to offer a wide variety of mortgage loans to homebuyers and homeowners in Northern Virginia. Check out our competitive rates and flexible terms on traditional mortgages; FHA, VHDA, USDA, and VA loans; home equity lines of credit; and land or construction loans.
Fixed-rate mortgages offer the stability of predictable and unchanging monthly payments. TFB is your local choice for conventional fixed-rate financing on mortgages of up to $679,650. From low down payments to short or long loan terms, and no prepayment penalty, we make home buying more affordable.
Adjustable-Rate Mortgages (ARMs)
This type of home loan can be perfect for first-time buyers and others who anticipate selling the house within 5-10 years. ARMs come with a standard variable interest rate that may go up or down based on a national index. Initial costs and monthly payments may be lower with an ARM than with a fixed-rate mortgage.
Jumbo Mortgage Loans
When you need to borrow more than the $679,650 cap on fixed-rate mortgages, a jumbo loan from TFB with no maximum limit and no prepayment penalties can help you finance the home of your dreams.
Balloon Mortgage Loans
Perfect for investors and other buyers who prefer a smaller fixed monthly payment, balloon loans can also be easier to qualify for than traditional mortgages. With no maximum limit and no prepayment penalty, a jumbo mortgage from TFB is great for a second home or investment property.
Home Mortgage Refinancing
Whether you're looking for better rates and terms on a previous mortgage, or you wish to refinance an ARM, balloon or jumbo loan into a lower fixed rate, talk to our mortgage originators about mortgage options tailored to fit your needs.
With a mortgage guaranteed by the Veterans Administration, qualified vets can receive 100% financing on the option for a $0 down payment on home purchases. Qualified spouses of military service members may also be eligible. Contact us to learn more about applying for a VA home loan.
FHA and VHDA Loans
As an FHA-approved lender, TFB is able to offer qualified buyers these government-insured mortgages with lower down payments and interest rates. FHA borrowers pay mortgage insurance premiums on their loan.
TFB is also proud to be a VHDA-approved lender, which enables us to help Virginia residents through various programs that make the home buying process more affordable and accessible.
This is another type of federally insured home loan program that serves low-to-moderate income home buyers in eligible rural areas. Applicants may receive up to 100% financing on a primary residence.
Land and Construction Loans
Ready to build your ideal home from scratch? TFB provides financing for the purchase of residential lots or large parcels of land. We can also help you finance the construction of your house.
Contact a TFB Mortgage Originator Today!
Buying a home is one of the biggest decisions you'll make in life. You can trust TFB to provide local expertise and personal service to make the process easier and more pleasant. Join us and be a part of our century-plus tradition of community banking with a hometown touch. Stop by, give us a call, or connect with us online to learn more about mortgage options from TFB.
*All loans are subject to credit approval.