Tammy Wilt
Senior Mortgage Banker
“I truly enjoy helping clients understand the mortgage process and helping them choose the loan that best suits their needs.
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Tammy was great help. Not only did she walk me through the whole process, she also answered all my questions about how the mortgage industry works.
Tammy is great to work with, she is always upbeat and responded in no time to any questions we had about the process. She provided great support throughout, including preparing different price and cash-out-of pocket scenarios which allowed...
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Reply from Tammy Wilt
May 4th, 2026 02:05 PM
Sara,
It was great working with you and Maurice. Thank you for trusting me, and my team, with your mortgage. Welcome to Charlottesville :)
Open lines of communication, it was never unclear what our different action items were. i I appreciated the explainer videos along the way and Tuesday update emails!
Reply from Tammy Wilt
May 4th, 2026 02:04 PM
Carly,
I am glad the process was clear and the updates provided were helpful! It was a pleasure working with you.
You are knowledgeable, so helpful and very responsive! It was a great experience working with you, both times!
Reply from Tammy Wilt
April 15th, 2026 04:37 PM
Cynthia - it was great working with you! I'm glad it all worked out.
She was always willing and able to provide detailed estimates and explanations for any scenario i threw at her. It made actually figuring out my budget much easier and made me more confident in knowing what i could afford.
Reply from Tammy Wilt
April 8th, 2026 07:55 PM
Samantha,
Thank you so much for the review! I am glad the loan scenarios helped serve as a guide to get you a price point you were comfortable with. It was a pleasure working with you.
From my very first conversation to the end of closing, Tammy was fantastic! She was easy to work with and made the process clear and stress-free. I appreciated her attention to detail and caring demeanor. The videos were a highlight of the...
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Reply from Tammy Wilt
April 7th, 2026 12:00 PM
Christian,
Thank you so much for the kind review. It was a pleasure working with you and I appreciate your trust through the process!
great experience
Reply from Tammy Wilt
March 24th, 2026 05:46 PM
Thanks so much :)
Tammy was fantastic to work with during this process! We are so grateful for her help over the past year. She is awesome!
Reply from Tammy Wilt
March 23rd, 2026 05:37 PM
Kyle,
Thank yo so much for the kind words. It was wonderful working with you! I hope you enjoy your new home.
Tammy was always available and very helpful
Reply from Tammy Wilt
February 20th, 2026 01:56 PM
Emily,
Thank you so much for the review! It was a pleasure working with you :)
Thank you for everything Tammy! You've always been really responsive, answered all of our questions and explained every detail in a way that made sense for us as first time homeowners. We truly appreciate all of your and your team's hard work....
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Reply from Tammy Wilt
January 23rd, 2026 02:54 PM
Vanessa,
Thank you for the kind words. It was a pleasure working with you and your family. I'm glad everything came together!
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About
“I truly enjoy helping clients understand the mortgage process and helping them choose the loan that best suits their needs.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
Residential mortgage loans for purchase, refinance and renovation
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Positions
- Atlantic Bay Mortgage - Sr Mortgage BankerDec 1, 2019 - Current
Memberships
- CAAR
- Women's Council of Realtors
- CAAR Foundation
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 195702
- Licensed in NC & VA
Hobbies
- Running, reading, hiking, finding new breweries, spending time with family and friends
Disclaimer
The GF Disclaimer: Loan programs may change at any time with or without notice. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Gray Fox Mortgage, LLC NMLS #2511214 (nmlsconsumeraccess.org) is an Equal Housing Lender. Located at 1135 Rose Hill Drive Charlottesville, VA 22903.