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
This is the second time partnering with Tom, and he is top notch from the very beginning to the end of the process. Any questions were answered, and he kept in continuous contact to keep me informed of changing rates and what would be the most...
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Reply from Owner
January 9th, 2026 10:54 AM
Jon, as always, such a great pleasure to work with you! Thank you for your 5 star review. It means the world to me and I look forward to working with you in the future. All the very best!
This is the second time partnering with Tom, and he is top notch from the very beginning to the end of the process. Any questions were answered, and he kept in continuous contact to keep me informed of changing rates and what would be the most...
read more
Reply from Tom Halfpap
October 24th, 2024 06:35 PM
I'm so glad to hear that you had such a positive experience, Jon! It was an absolute pleasure working with you again and being able to help you save almost $900 per month makes me ecstatic! I am here for you anytime you have questions or need...
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Tom's dedication and professionalism was unique, it was the second time he assisted me with buying my house and I am really happy for having him on my side.
Reply from Owner
January 9th, 2026 10:54 AM
Thank you for the kind review Siyar
Dedication and professionalism.
Reply from Tom Halfpap
October 17th, 2024 04:42 PM
Thanks for the perfect rating and kind words, Siyar! I'm thrilled to hear that you appreciated my dedication and professionalism. Thank you for giving me the opportunity to assist you on your second home purchase. Don't hesitate to reach out...
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Absolutely stellar. We totally felt comfortable with the process as you informed us on each step with full explanations.
Reply from Tom Halfpap
September 21st, 2024 01:56 PM
Congratulations Mike and Cheri on the settlement of your new custom built home. It has been a pleasure working with you over the past year to watch your dream become a reality. I'm thrilled to hear that you felt comfortable with the entire...
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If you are in need of solid advice, personable, and up to the minute financing information Tom Halfpap is your person. It's been 40 years since we had to finance home, and things have changed, Tom not only guided us thru the entire process,...
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So very responsive and worked to find creative rates to get us the best rate and mortgage payment
Reply from Tom Halfpap
August 23rd, 2024 12:23 PM
Thank you very much, Andrew, for your high rating and positive review! I'm elated that you were satisfied with the service!!! It was an absolute pleasure working with you and Ashley. I wish you both all the best in your new home!
If you are buying a home you need Tom. I could not imagine navigating a difficult real estate market without Tom’s quick action and follow up, because of his responsiveness we were able to secure our dream home in a fast paced market. Tom goes...
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My wife and I can’t say enough about the amazing service we received from Tom while purchasing our first home. Tom was thorough and professional throughout the lending process. His patience and willingness to be available to help answer questions...
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As first time home buyers we had a lot of new information being given to us all at once. Tom Halfpap made sure we understood all the documents, options and fees. He locked us in the best interest rate on the market and with this market that...
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Reply from Tom Halfpap
June 23rd, 2024 03:18 PM
Thank you Crystal for your wonderful review. I'm so glad to hear that you had a positive experience with your first home buying process. It can be a lot to take in all at once, and my priority is to ensure everything is clear and understood....
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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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