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 very thorough and did everything he could to help. Kept me informed the whole time.
Tom Halfpap has received a review with 5 star rating from Frank M
Reply from Owner
July 16th, 2026 06:47 PM
Thank you for the 5-star review! I truly appreciate your trust and the opportunity to help with your home financing needs. Whether you're buying your first home, purchasing your next home, or refinancing in Maryland, my goal is always to provide...
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Tom the Terrific. Your expertise and knowledge are the standard Tom. The experience was professional and a smooth process thanks to you.
you are the best in the business!
Reply from Tom Halfpap
July 14th, 2026 04:13 PM
Frank, I appreciate your generous feedback. I'm glad to know that you found the process smooth and professional. Your kind words about my expertise mean a lot to me.
Tom is the best in the business! I have used Tom for several loans and his attention to detail is impeccable. Tom always looks out for his clients and handles all the issues. His problem solving skills are unmatched. Tom is a true professional...
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You made this experience very easy to go through. With your knowledge and skill set gave us the confidents in you and made us feel that you were only working for us. Your communication to us was more than I thought would happen (Moriming noon...
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Reply from Tom Halfpap
July 8th, 2026 04:25 PM
We're grateful for your positive feedback. Your satisfaction is what drives us to excel.
If you need a great mortgage lender, look no further than Tom Halfpap. He’s super knowledgeable, stays on top of every detail, and is always timely with communication. He made the whole experience pretty easy for us. 5 stars!
Reply from Owner
July 2nd, 2026 12:34 PM
I’m honored to have been a part of your mortgage experience. Your positive review means a lot to me.
Working with you was a fantastic experience. You were incredibly thorough, knowledgeable, and timely throughout the entire process. You made what could have been a stressful experience feel pretty easy. Highly recommend you for anyone looking...
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Reply from Tom Halfpap
June 26th, 2026 07:16 PM
We're delighted that you're happy with our service! Don't hesitate to reach out if you have any more questions.
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.
Reply from Owner
July 2nd, 2026 12:36 PM
I’m delighted to have earned your trust and your positive review. I’m always just a call away!
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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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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Positions
- TowneBank Mortgage (Formerly Monarch Mortgage) - Branch ManagerAug 1st, 2010 - Current
Memberships
- Prince William Association of Realtors
- MBA
Addresses and Serving Areas
Primary Serving Area
Other 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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