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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Reviews from Web
Lots of great advice and a seamless process. Thanks Tom!
Reply from Tom Halfpap
May 2nd, 2025 02:09 PM
I'm glad to hear that you found the process seamless and the advice helpful. It was a pleasure assisting you Joel. I wish you all the best in your new home.
As a first time home buyer, Tom made this whole process so smooth and easy. He explained every question I had (even sometimes multiple times). He responds quickly through email and text and always answered his phone. Tom was extremely patient...
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Reply from Owner
April 29th, 2025 12:00 AM
Thank you so much Josephine. You have been an absolute pleasure to work with. I wish you all the best in your new home!
Tom is great! He was strongly recommended by our realtor and it’s easy to see why. Tom’s knowledge and expertise was so reassuring as the housing market in the DMV area is so crazy. I felt confident in his guidance and will recommend him to...
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2nd straight great experience! Clear communication, great knowledge, and going the extra mile behind the scenes.
Reply from Owner
January 9th, 2026 10:54 AM
Thank you for your kind review Tim! It was indeed my pleasure to work with you again. Don't hesitate to reach out if I can be of further service and congratulations!
Clear communicattion, great knowledge, and 2nd great experience!
Reply from Tom Halfpap
December 31st, 2024 05:49 PM
I appreciate your positive feedback, Tim. I'm glad to hear you had another great experience with us at FitzGerald Financial Group/TowneBank Mortgage. Clear communication and solid knowledge are what we strive for. All the best to you in your...
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Tom provided unparalleled attention to our home buying process ensuring that our finances would be approved for a successful home loan. As we purchased the home sight unseen while living overseas, Tom made extra efforts to ensure that our particular...
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Reply from Owner
January 9th, 2026 10:54 AM
Thank you for your kind review Jonah. It was my pleasure to have the opportunity to work with you. Please don't hesitate to reach out if I can be of further service and congratulations!
Tom ensured that all of our financial documents were in order well in advance of closing. FitzGerald Financial Group offers an easy-to-use portal that securely ingested all necessary forms for review. As I was purchasing a home while living...
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Reply from Tom Halfpap
December 23rd, 2024 01:07 PM
Thank you for your stellar review! I'm glad to hear that you had a positive experience with our financial documentation process and found the portal user-friendly. It's always my goal to ensure the lending process is clear and understandable,...
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Professional and extremely efficient through this complex process. Great value for the services provided. Highly recommended!
Reply from Tom Halfpap
December 23rd, 2024 01:09 PM
I'm truly thrilled to hear that you had a positive experience with the complex mortgage process, Luisa. It's wonderful to know that you found our services efficient, professional and of great value. Your recommendation means a lot to me and...
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Tome kept the entire process smooth and even found us the best rate!
Reply from Tom Halfpap
November 21st, 2024 11:56 PM
Michelle, I'm delighted to hear that you were satisfied with the service you received from me. Your feedback means a lot and I'm glad I could help make the process smooth and find the best rate for you. Thanks for the excellent rating! It was...
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Tom was very helpful throughout the process and making sure we had the best course of action for purchasing our home. We couldn't have closed on our dream home without him!
Reply from Tom Halfpap
October 30th, 2024 06:58 PM
Thanks, Trevor! I'm thrilled to hear that you're pleased with the service provided. Your satisfaction is my top priority, so it was my pleasure to guide you through the purchasing process. Knowing that you and Bethany are now in your dream...
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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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