Tom Halfpap
Branch Manager | NMLS # 203175
Putting customers first is Tom’s priority. Since 1987, Tom has guided his customers through the mortgage process, listening to their needs and providing straightforward advice. Buying a home is a major financial investment, and Tom’s experi...... Show More
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Tom was more than just professional. He was honest, helpful, and patient. His quick response to questions and concerns put our concerns at ease. I highly recommend him for help buying a home.
Tom guided us through the entire process explaining each step along the way. He took the extra effort to make sure we got the best rate possible. Tom was always clear on what information was needed and the technology that the company uses made...
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Reply from Tom Halfpap
June 10th, 2026 07:26 PM
Thank you, Gary, for your thoughtful review. It's great to know that you felt informed and supported every step of the way. Your recommendation is truly appreciated, and I'm grateful for the opportunity to assist you.
Tom is very friendly and patient. He's very efficient without making me feel rushed or that he's too busy for me. I would recommend him everyone.
Reply from Tom Halfpap
June 5th, 2026 01:35 PM
Thank you, Lesli, for your kind words. I'm pleased to know that you felt both supported and unrushed throughout the process. Your recommendation is greatly appreciated, and I'm always here to help if you need anything. I wish you and Gary all...
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The communication was top notch, we knew basically every step in the process and why it was being done. Tom was really great to work with!
Reply from Tom Halfpap
May 31st, 2026 02:44 PM
Ashleigh, I'm pleased to hear that you felt well-informed throughout the process. It was great working with you, and I appreciate your kind words! I wish you and Sean all the best in your new home.
The honesty and straight forward advice made it an outstanding
Reply from Tom Halfpap
May 22nd, 2026 02:51 PM
Devon, I appreciate your feedback on the honesty and straightforward advice you received. I'm glad to hear that your experience was positive, and I'm grateful for the opportunity to assist you. If you ever have more questions or need further...
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Buying a house can be stressful with lots of bumps in the road. Because of Tom, the mortgage process was flawless. He is a true professional and a joy to work with!
Reply from Tom Halfpap
April 27th, 2026 03:24 PM
Jim, I'm grateful for your kind words. I'm so pleased that I could help make the mortgage process smooth for you. It was an absolute pleasure working with you again.
The mortgage experience was made super easy and efficient with Tom as our broker. If any issue arose, he quickly reached out and took care of every deal. He is a very proactive and knowledgeable broker! Love him.
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Reply from Tom Halfpap
April 27th, 2026 03:30 PM
I'm grateful for your positive feedback, Toni. It's wonderful to know that you found the process easy and efficient. Thank you for trusting me as your lender!
Tom was great to work with. Thanks
Reply from Tom Halfpap
April 16th, 2026 02:43 PM
I'm grateful for your kind words, Ranny...very much appreciated!!! It was a pleasure working with you and Ulrike. I'm happy to hear that you had a great experience working with me. If you need any assistance in the future, please feel free...
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Tom was always available to explain or clairfy anything I did not understand. He is very quick to respond and thorough in his explanation. This made the mortgage experience less daunting, resulting in a swift closing!
Reply from Tom Halfpap
February 11th, 2026 03:18 PM
I'm pleased to know you found my efforts in explaining and clarifying helpful. Ensuring the mortgage process feels less daunting is important to me, and I'm glad it led to a swift closing. If you have any other questions or need further assistance,...
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Met the deadline of closing date. For the most part, kept me informed at each step of the process. However, I did have some surprises and clarifications that I should not have had to ask about. I.E. what the penalty would be if we pay off the...
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Reply from Tom Halfpap
November 14th, 2025 08:56 PM
Thank you for sharing your thoughts, Bill. Meeting your closing date was a priority, and I'm pleased we were able to achieve that. I understand that having surprises during the process isn't ideal, and I appreciate your feedback regarding communication....
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About
Putting customers first is Tom’s priority. Since 1987, Tom has guided his customers through the mortgage process, listening to their needs and providing straightforward advice. Buying a home is a major financial investment, and Tom’s experience ensures you make the best choice and close your loan on time without surprises. Whether buying your first home, building a dream home, or refinancing, Tom offers unsurpassed service and attention. Trust a proven mortgage professional. Tom’s goal is to be your mortgage advisor for life.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Specialities
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Adjustable-Rate Mortgages (ARMs)
Fixed-Rate Mortgages
Reverse Mortgages
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Search Rank ScoreLearn More →
470
/850
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Positions
- TowneBank Mortgage (Formerly Monarch Mortgage) - Branch ManagerAug 1st, 2010 - Current
Memberships
- Prince William Association of Realtors
- MBA
Addresses and Serving Areas
Year Started
1987
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS # 203175
Hobbies
- Playing guitar and singing in an acoustic duo.
Disclaimer
FitzGerald Financial Group is an Equal Housing Lender. NMLS # 512138.
FitzGerald Financial Group is your hometown mortgage company. As a division of TowneBank, we uphold the principles and philosophies that have been established by our hometown traditions. FitzGerald Financial Group is dedicated to providing the personal experience that you expect from a hometown lender with the most advanced technology available to offer affordable loans, quick processing and exceptional service.
Being a hometown lender means fast approval and a team of mortgage professionals who are committed to you. FitzGerald Financial Group loan officers live in your communities and know the area.
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