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Mortgage Loans

Since 1902, TFB has earned the loyalty of our customers through relationships built on trust, solid financial advising, and personal service. When it comes to home loans, our clients count on us to guide them through the process with the localized expertise of our Mortgage Loan Originators, who are registered through the Nationwide Mortgage Licensing System and Registry*. When you have a question, our friendly team will provide an honest answer.


Contact Our Team


Local Expertise

TFB holds a unique position as one of the sole remaining community banks in Prince William and Fauquier counties. Our local ownership means that we keep 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.

Mortgage Options

  • Fixed-Rate Mortgages
    A fixed-rate mortgage offers the stability of predictable and unchanging monthly payments.
  • Adjustable-Rate Mortgages (ARMs)
    This type of home loan can be perfect for buyers who expect to sell within 5-10 years.
  • Jumbo Mortgage Loans
    Our jumbo loans have fixed-rates, no maximum limit, and no prepayment penalties.
  • Balloon Mortgage Loans
    A balloon loan is perfect for investors and other buyers who prefer a smaller fixed monthly payment.
  • Home Mortgage Refinancing
    Whether you're looking for better rates and terms, or wish to refinance a previous mortgage, our mortgage originators can tailor a solution to fit your needs.
  • VA Loans
    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.
  • FHA Loans
    As an FHA-approved lender, TFB is able to offer qualified buyers these government-insured mortgages with lower down payments and interest rates.
  • USDA Loans
    A USDA mortgage is a federally insured home loan that serves low-to-moderate income home buyers in eligible rural areas.
  • Land and Construction Loans
    TFB provides financing for residential lots and land purchases, as well as lending for home construction.
  • Home Equity Lines of Credit (HELOC)
    A HELOC allows you to access funds as you need them and only pay interest on the portion of the line you use.

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.

Mary Ann Andrews

Vice President Mortgage Loan Originator
NMLS #482462



*All loans are subject to credit approval.


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