Customer Testimonials

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We work very hard for our customers because nothing pleases us more than helping our clients acheive the dream of affordable home ownership. We want to add you to our list of very satisfied customers.

THF Lifestyle

Read what others have said about working with us:

We would highly recommend Connie McKee. As first time home buyers they made purchasing our house a breeze. Connie and her team are knowledgeable and very friendly. They were very accommodating to our needs as first time buyers! We could not be more happy with our purchase. It wouldn't have happened without Connie's willingness to go above and beyond for us! We are so grateful for her dedication to her clients.

- K. Marlowe
-, VA | September 08, 2017

The service provided was outstanding. We were always kept up to date with the progress of the loan. This is the second mortgage we have done with Tidewater Home Funding and we are extremely happy. Michelle Phillips has always went above beyond to ensure we were satisfied and I would highly recommend her for your mortgage needs.

- J. Pridgen
-, VA | September 25, 2017

Lori - Once again I just want to extend a GREAT BIG THANK YOU TO for the outstanding service you provided to me in purchasing my new home. I am beyond grateful and enjoying my new home! You were such a breath of fresh air. Very patient and kind throughout the entire process. Your level of knowledge and expertise were phenomenal. I will definitely will be referring you to anyone I know interested in purchasing a home. YOU ROCK!!! Sincerely, Bianca

- Bianca Reese
Virginia Beach, VA | August 16, 2017

Frank was always available whenever we had questions and really helped walk us through the process.

- Jane S.
-, VA | June 09, 2017

Frank Malbon and Tidewater Home Funding went above and beyond to make sure everything went 100% right. I would heartily recommend them to anyone.

- T. Jones
-, VA | March 13, 2017

Previous experience with others in the real estate and finance industry have always proved that there is not much sense of urgency to get folks to closing. We did not feel that way this time as everything seemed to be expedited. It was very refreshing compared to previous experiences.

- J. Hayden
-, VA | March 10, 2017

From the moment I was referred to Michelle Phillips, the home buying process was simply amazing and worry free!! Michelle and her team led me through the stages carefully and thoroughly always with a professional manner. I absolutely recommend her and the team at Tidewater Home Funding for anyone's home buying needs!! It truly was a pleasure dealing with Michelle, Jamie and all the staff!!

- C. Casci
-, VA | March 09, 2017

Everyone we worked with was professional, knowledgeable and just extremely pleasant. They made the whole process easy and put all our worries at ease. From our 1st meeting with Connie to our final closing with Judy, Marsha and Diane. Just a great bunch of people!!!

- C Lynn
Irvington, VA | January 12, 2017

The interest rate was very competitive and the service level I received from my loan officer was among the best.

- J. White
-, VA | December 17, 2016

We had been turned down for a home mortgage by Navy Federal without any explanation. Connie was wonderful, she took the time to sit with me go over my credit score and have us pre-approved within 48 hours. She also kept in contact through the entire process day and night and was always available to answer my questions.

- M. Cook
-, VA | December 17, 2016

This was a very new experience for me and Tidewater Home Funding made it easy to understand and simplified the process!!!

- S. Cotten
-, VA | December 17, 2016

Jo Ann is amazing to work with. She looked out for our best interests at all times. She was empathetic, compassionate, and professional.

- S. Harasty
-, VA | December 17, 2016

We financed the purchase of an investment property (rental home) with Tidewater Home Funding, LLC. Mary Beth Marshall and the entire staff of THF provided exceptional customer service throughout the entire process. Our home purchase closed on time and without issue.

- J. Banks
-, VA | December 17, 2016

Your company, Tidewater Home Funding has brought forward good quality on customer service and satisfaction. My lending agent assigned, Debbie Olmstead has brought about and showed great concern and judgement, with explaining the protocol of purchasing a new homeowners loan. I would highly recommend my family and friends to Tidewater Home Funding. I consider Debbie Olmstead a great asset to your company who has provided consistency and has delivered all expectations expected.

- D. Boykin
-, VA | December 17, 2016

Dave and his team made the home buying process one of the easiest things I have done. Dave kept me up to date on everything going on couldn't ask for anything better.

- T. Browder
-, VA | December 17, 2016

Colby is knowledgeable and responsive -- a true professional in the best sense of the word. We will not hesitate to recommend her services.

- A. Manty
-, VA | December 17, 2016

I couldn't have chosen a more professional, knowledgeable and personable individual to manage my loan. Colby was a delight to work with and I am very pleased with her performance.

- M. Kirk
-, VA | December 17, 2016

This was one of the smoothest major purchases I have experienced. Everything was prepared ahead of time and the communication throughout as we dealt with the VA was very much appreciated.

- C. Hoagland
-, VA | December 17, 2016

The process was carried out very professionally. Ms Walder was knowledgeable and most pleasant to work with.

- R. Masiello
-, VA | December 17, 2016

Colby and her team were phenomenal. They were kind, fast, and extremely helpful during a stressful time. We would use Tidewater Home Funding again in a heartbeat!

- L. Stephenson
-, VA | December 17, 2016

I have only purchased one other home before but I don't remember it being as hassle free as it was with Susanna. She was pivotal in ensuring that I would be able to purchase the home which was a HUD home and I used a VA Loan. Either one of these has its hoops to jump through but put them both together and you have a high level of complexity to make work. She did it seamlessly! I would never use another mortgage consultant.

- J. Weiss
-, VA | December 17, 2016

I am very pleased with my entire experience at THF. There were no wait times and Mrs. Phillips was very good at explaining the entire home loan process to a first time home buyer. I was able to lock in at a good interest rate and Mrs. Phillips was available by phone pretty much 24/7 and could answer all of my questions. I felt like I was in good hands and could trust that Mrs. Phillips was providing the best mortgage plan and interest rate possible for me.

- C. Nixon
-, VA | October 17, 2016

During an exceptionally stressful time, buying a new house, Michelle Phillips provided my wife and I with the most sincere, professional and exceptional support and service. She explained things, she anticipated things and she taught us a lot about the process. We felt extremely well prepared thanks to her knowledge and forethought. After buying 7 homes in 32 years, we feel that this was both the easiest and most exception experience we have had--thanks to Ms. Phillips exceptional attention and support. Truly felt that it was a team effort. Thank you! Michelle is a most significant asset to Tidewater Home Funding!!!

- P. Smith
-, VA | October 13, 2016

Frank was extremely supportive from the very beginning of the mortgage process. He made it as simple of a process as possible and I thank him for always having a great attitude.

- S. Potter
-, VA | October 13, 2016

Extremely helpful and professional, our level of satisfaction was excellent.  Buying a house can be such a stressful situation!  The amount of questions asked by us was overwhelming!  Luckily we had Jo Ann Brooks from Tidewater Home Funding in our corner with easy to understand explanations and an unwavering amount of patience as we pushed through the home buying process. We could not be more thankful for her as we enjoy our new home.  We are recommending her to friends and family.

- C & J Cohen
Suffolk, VA | September 29, 2016

I recently worked with Jo Ann when I purchased my first house, and she was a pleasure to engage with at every stage of the process. She works incredibly hard to find the right loan for you, and treats all of her clients with the utmost respect and professionalism. I would recommend Jo Ann to anyone looking to secure a home loan, and I promise that she won't disappoint!

- J. Jones
Norfolk, VA | September 15, 2016

Recently, we worked with Jo Ann Brooks, Sr. Loan Officer for Tidewater Home Funding in securing a loan for the purchase of our new home. During this process, Mrs. Brooks provided commendable professionalism, great customer interface skills, efficient and timely response to our needs and an unbeatable loan rate. We were totally pleased with all aspects of our home funding experience. We highly recommend the services of Tidewater Home Funding and its’ Senior Loan Officer, Jo Ann Brooks.

- Mr. & Mrs. Grant
Norfolk, VA | September 15, 2016

Had my mind set going into this home being financed through Navy Federal. After my Realtor introduced me to Frank, everything he said he would do he did. He was always there if I needed to speak with him about anything. Great service! If I ever purchase another home I will call Tidewater Home Funding for any of my mortgage needs.

- A. Robinson
-, VA | September 09, 2016

Kirk was so nice and kind to me. He was very excited for me to get my home. He gave me a team I can count on. They was on point every step of the way. The company was wonderful.

- Niaija Bethune
-, VA | August 22, 2016

Gee made the whole process easy from the start. Got us qualified and made sure we had everything in order. Accommodated our work hours when needed and was always ready to get a hold of. Wonderful buying experience.

- C. Gram
-, VA | August 11, 2016

I can't say enough about the support and care that Lori showed us during our mortgage process. She was also prompt and courteous, answered our questions and was with us through the whole process.

- S. Gallacher
-, VA | August 11, 2016

Tidewater Home Funding was absolutely wonderful. No one could ask for more. Deb Olmstead and Cindy Cousineau were so helpful and were a pleasure to work with.

- J. Kanaday
-, VA | August 11, 2016

Mary Beth is the best! She patiently worked with us for over 4 years (some of us are a little slow at making decisions...ha ha) and always took the time to explain things we didn't understand. I will definitely be referring my friends to Mary Beth and Tidewater Home Funding.

- C. West
-, VA | August 11, 2016

Ken was extremely knowledgeable and went above and beyond to make sure we understood everything that was happening every step of the way and provided guidance.

- J. Dunn
-, VA | August 11, 2016

Gee made the home financing piece of buying a new home easy and stress free! She quickly and thoroughly answered any questions I had throughout the process and she made sure I got the best rate possible. I have recommended her to a friend or two looking to buy a new home and I will continue to do so! Gee and Tidewater Home Funding are the best at customer service!

- J. Gallagher
-, VA | August 11, 2016

My overall experience working with Deb Olmstead was AWESOME!!! I knew that she had my best interest in mind. She answered any and all questions that I had in a timely fashion. Deb explained all paperwork to me. I was taken care of very well.

- S. Tounger
-, VA | August 11, 2016

I went into the home buying/lending process with limited knowledge. Michele and other staff walked me through in a way that I was able to understand and felt very comfortable every step of the way. She truly had my best interest at heart.

- J. Correiro
-, VA | August 11, 2016

Kirk Thompson and the entire Tidewater Home Funding team removed the stress from purchasing our home. They would continually go out of their way to accommodate our needs, as we were going through the process while living in Alabama. Their attention to detail, hard work, and constant communication ensured we closed on time and had no issues during the process. I would recommend Tidewater to anyone purchasing a home in the area.

- J. Faraone
-, VA | July 21, 2016

I have spent the last 25 years (Navy) working in a field that revolves around customer service. As sad as this is to say, phenomenal customer service is very hard to come by these days. I have purchased several homes in the past and I can honestly say that my experience with Tidewater Home Funding, specifically, Holly Cross, was the best I ever had. As most of you know, obtaining a mortgage is not the most pleasant process one can go through but Holly made it as painless as humanly possible. She even drove to my home on several occasions to drop off/pick up paperwork! I cannot say enough about how wonderful Holly is and how good she is at her job. Holly, you were a blessing during a stressful time and I can't thank you enough. To Holly's boss.....she really is awesome and deserves a promotion!

- B. Quick
Chesapeake, VA | July 18, 2016

Lori was so helpful through the process and always took the time to communicate and educate me about the refinancing paperwork. It was a nice experience. Lori was friendly and right there throughout the process.

- A. Zimmerman
-, VA | July 15, 2016

Ken was very professional, helpful, and friendly. He ensured that I understood all verbiage of documents.

- J. Hayes
-, VA | July 15, 2016

Excellent communication among all parties involved, including Debby Olmstead, Cindy Cousineau and Patricia Little to make this dream come true.

- T. Williams
-, VA | July 15, 2016

Holly was wonderful to work with. She made everything run very smooth and stress free. She was there to answer any question we had right away.

- C. Kordish
-, VA | July 15, 2016

Holly was very helpful and most importantly very responsive in answering questions or phone calls. It is extremely refreshing to get near immediate responses. Great customer service!

- C. Kordish
-, VA | July 15, 2016

Colby was wonderful to work with as she guided us through a very quick closing. She was extremely efficient, planned ahead and made the process seem much less stressful than our previous experiences with other companies.

- A. Martin
-, VA | July 15, 2016

We received superior service from everyone we encountered at Frank's office. The process was simple and efficient. We would highly recommend Frank to any of our friends or family.

- K. French
-, VA | July 11, 2016

Our experience with Tidewater was nothing short of amazing. Outstanding customer care from a team that genuinely cares about its clients. Kirk and Judy are extremely knowledgable and walked us through every step without hesitation. We will absolutely be working with this team in the future! Answer: Continue to hire people like Kirk and Judy! Their level of local and job knowledge was fantastic but it was their work ethic and customer care that was truly the icing on the cake! Genuinely, this was the BEST experience purchasing a home EVER!

- S. Faraone
-, VA | July 11, 2016

The Tidewater Team was very professional, friendly and above all responsive. They took the time to answer all of my questions and made sure I thoroughly understood the whole process. I would highly recommend Holly and Melissa they did a great job kept me informed and answered all of my questions no matter what time of day. One time I received a response from Melissa when she was out of the office on vacation now that's dedication and true Customer ownership!

- M. Bastarache
-, VA | June 13, 2016

Debby and her staff are very personable and professional. They provided me a great service in funding my new home. They were with me every step of the way as this was my 1st home purchase. I have and will continue to recommend them to my friends and family.

- M. Murph
-, VA | June 13, 2016

My wife and I were in an unusual situation with the perfect storm of retirement, relocation and the need for a short closing. By partnering with Tidewater Home Funding we were able to meet the expectations of all parties and have a very easy closing. Michelle and her team provided advice and vender references that helped me due to the fact I was from out of the area. It was a pleasure to do business with Tidewater and we will be happy to refer them to others.

- J. Shumate
-, VA | June 13, 2016

Ms. Phillips made the process of purchasing a home very easy by explaining everything step by step. She and her staff made themselves available at all times and always followed up by calling and emailing.

- L. Hunter
-, VA | June 13, 2016

Extremely helpful and understanding during a very difficult and stressful time. Holly's team was great to work with and made this portion of selling/buying very pleasant.

- L. Sharpe
-, VA | June 13, 2016

Has to be the easiest transaction I have experienced when purchasing a home. Gee was a real treat to deal with. Thanks for all your help and making this task much easier.

- C. Gardner
-, VA | June 13, 2016

Working with Mr. Forman was painless and actually an enjoyable experience of purchasing my new home. I would recommend THF to anyone I know in the market to buy a new home.

- W. Every
-, VA | June 13, 2016

My overall experience was great. Holly was very positive and provided great customer service skills. She was encouraging and made my first time buying a home a very pleasant one.

- K. Suiter
-, VA | June 13, 2016

The entire experience was great. Kirk was phenomenal. He answered all my questions, at all hours. And he was very friendly. A very calming presence in a high stress process. 

- T. Hines
-, VA | June 07, 2016

My wife and I were lucky enough to have Michelle Phillips as our Mortgage Officer. Words cannot describe how amazing she has been through the whole process. I first spoke with Michelle alittle over a year and half ago when my wife, who was my fiancé at that point in time, were starting to look at buying a house. She has been by our side ever since. She helped us get everything financially needed to buy our first home in order and stayed in contact with us every step of the way. She made sure that we learned and understood every aspect of purchasing our first home. It has truly been a blessing for my wife and myself to have her as our Loan Officer, and most of all, we both consider Michelle apart of our family because without her, none of this would have been possible.

- J. Duncan
-, VA | June 07, 2016

We had an amazing experience with Tidewater Home Funding, and we feel so lucky to have had Colby Raymond as our loan officer. We had the following 3 challenges for her: 1) clueless first time home buyers, 2) using a VA home loan, and 3) we were located overseas and on the opposite time zone. Surprisingly, none of these were issues for Colby. Her expertise allowed our home buying process to flow smoothly and effortlessly. She followed up with us shortly after we put in our loan application, and she found out what our needs were and what we qualified for. Colby explained all the perks and concerns that come with being first time home buyers using a VA loan. It was a relief that she was very familiar with the VA loan since we were not well informed about the process. Colby was very personable, professional, and responsive. She answered all of our questions (even late at night), clarified our concerns, and helped us feel confident in obta ining our first mortgage. We really appreciated her honesty, hard work, and dedication. Colby went above and beyond, and she benefited us in more ways than one. Each time we were thinking about putting in an offer on a house, Colby would provide us with a flood insurance quote, home owner's insurance quote, tax quote, and an estimated monthly mortgage payment. She was able to lock us in at a great rate, and help us close on our mortgage super fast. It was very helpful that she's from the area and could recommend some great neighborhoods that were an easy commute to work. Also, she set us up with the perfect realtor, Ben LeBrun. Colby was extremely supportive throughout the entire experience, and we would highly recommend her and the Tidewater team.

- B. Wilson
-, VA | May 13, 2016

The service was first class and I was provided all the information needed in a timely fashion and I was guided all throughout the process very well. The whole process was easy...I was told how frustrating buying a house was, but Michelle made it effortless.

- M & T Skyles
-, VA | May 12, 2016

Excellent attention throughout the entire buying process. Couldn't have asked for anything more.

- J. Bonelli
-, VA | May 12, 2016

Answer: Michelle Phillips is a warm, caring, thorough, knowledgeable, direct, empathetic and sympathetic person! We were unsure of the home buying process, especially under our circumstances, however, she reassured, scolded, commended, directed, and redirected us into home ownership! Michelle Phillips...YOU ROCK! Arthur & Trena Brown

- A. Brown
-, VA | May 11, 2016

Frank Malbon provided an outstanding customer experience with our recent home refinance. He provided service that was absolutely top notch, from full disclosure of all expenses through the speedy and painless closuring. I'd recommend him unequivocally too anyone looking to refinance their home.

- C. Ferguson
-, VA | April 18, 2016

From the application process through closing, Frank and his team provided us with up-to-date information and status, and made the entire process flow smoothly. No 'hidden costs' or last minute surprises, just true professionalism and accurate communication from beginning to end!

- M. Ferguson
-, VA | April 13, 2016

Dave and all the other people at Tidewater Home Funding made this process as smooth as possible. I never thought I would be living in OUR own house this soon! I really recommend this team to anyone who needs some guidance when buying a house. A huge THANK YOU to the whole team!

- M. Jenkins
-, VA | April 12, 2016

Kim Curtis, Mary Beth Marshall and the team at Tidewater Home Funding were extremely efficient, communicative and helpful. I travel for business quite a bit, and Mary Beth made the process seamless and convenient for me. She kept me updated on the status of my loan and went above and beyond in keeping things moving forward. I would recommend them to anyone. They are my mortgage company of choice from now on.

- C. Chalmers
-, VA | April 12, 2016

Holly and THF were great. They did all the leg work and all I had to do was provide some documents and sign the papers.

- B. D'Amico
-, VA | April 12, 2016

We recently worked with Holly at Tidewater Home Funding to finance the purchase of our home. We were extremely satisfied with how professional, timely and knowledgeable she was. We wouldn't hesitate to recommend her to anyone that's considering purchasing a new home.

- B. Greenfield
-, VA | April 12, 2016

I love Connie and her team! I have been telling anyone in need to go see her, even my brother!

- C. Trinidad
-, VA | April 12, 2016

Best experience of our lives we were made very comfortable about the entire process. Connie McKee is awesome!

- R. Emery
-, VA | April 12, 2016

I couldn't have asked for or found a better agent than Colby. Additionally, the staff and everyone concerned just did all that they could to make this closing and what led up to it a good and happy experience.

- L. Outten
-, VA | April 12, 2016

Deb was the best. She was a pleasure to work with and was always available to answer any questions we had. She truly made the home buying process easy and seamless!

- J. Laird
-, VA | April 12, 2016

Deborah was AMAZING from the moment we first speak on the phone until the last day we sign the papers, good service, honest and on time.

- A. Landazuri
-, VA | April 12, 2016

Debbie and her associates could not have been more helpful. Debbie kept us aware of everything we needed to do. Buying real estate from long distance can be very stressful. Debbie made it very easy.

- C. Benedict
-, VA | April 12, 2016

Michele was awesome. She made herself available at all times. Even meeting my husband at his work site to get papers signed.

- L. Pickett
-, VA | April 12, 2016

Dave did an excellent job facilitating my home buying experience. I would definitely use him again and would refer him with confidence.

- S. Weaver
-, VA | April 12, 2016

Thank you so much for your help. From beginning to end of the entire process I thought you were awesome. Even though this was our first home buying experience I felt pretty comfortable with you helping us, we actually felt that you cared about us, never trying to bamboozle us for our money. We will always be very appreciative of your services that you provided for our family to have a home. Once again thank you.

- J. Krites
-, VA | April 08, 2016

I thought that buying my first home would be a stressful event, but it was relatively easy and quick with Michelle's help. As a teacher, I am usually busy during the day, and Michelle worked around my schedule, contacting me most often via email. This made the entire process very convenient and mostly stress-free for me.

- K. Lundgren
-, VA | April 08, 2016

For most folks buying a house is the single biggest purchase in their life time. Will, made the process easy and stress free. He did everything he said he was going to do and stayed on top of me to provide all of the information I was required to ensure a quick and timely closing.

- W. Harrison
-, VA | March 10, 2016

From the start of our experience shopping mortgages to moving into our house we could not say more about our experience with Will and the Tidewater Home Funding Team! They went above and beyond to find us the best rates and stuck with us through several different home contracts and some pretty quirky contracts that were out of the norm. We had full confidence from the minute we decided to go with them and in looking back are still amazed at what a great deal they were able to get us!

- C. Harrison
-, VA | March 10, 2016

Dave could not be more helpful in this process that can be really trying at times. He knows his stuff and walks you through all steps as easily as possible. This is my second re-fi and would certainly do it again.

- M. Miller
-, VA | March 10, 2016

Lori was extremely helpful and responsive even at the odd hours service members often need to work. Her knowledge of the VA loan process and her professionalism were indispensable in enabling me to purchase my first home.

- D. MacDuff
-, VA | March 10, 2016

Susanna was excellent every step of the way. She was very thorough and easy to get a hold of. In addition, Susanna made sure everything was taken care of, even on the day of closing when the seller hadn't submitted some paperwork. I will certainly recommend and work with Susanna in the future.

- C. Trapani
-, VA | March 10, 2016

The process of financing/re-financing a home loan can typically be a very stressful and arduous process. Michelle, Jamie, Marge and Holly were exceptionally helpful and responsive to inquiries and documentation questions as the process progressed. They provided detailed requests for documentation which allowed us to collect and submit all documents at one time rather than over a period of time. Tidewater Home Funding set appropriate expectations with regard to timing of approvals, documents needed to support the loan and potential impacts on the loan based upon the closing date when locking in the rates for our 1st and 2nd mortgages. Working with Tidewater Home Funding, and their representatives, was a stress free experience and one I would recommend to any potential buyer.

- L. Jett
-, VA | March 10, 2016

This is not my first time using THF, but each of the experiences have been excellent. Not very many people have good comments about the process of obtaining a mortgage, but with THF, the work is done for the client. I would, and have recommended THF to anyone dreading the home financing process. Thank you for excellent client service.

- B. Grizzard
-, VA | March 08, 2016

Making the decision to purchase a home comes with many concerns. Hearing horror stories about the whole mortgage loan process lead to many sleepless nights. However, our experience with Tidewater Home Funding and Colby was great and nothing short of outstanding! The communication with Colby was at our leisure. She was always available and ensured our questions were answered. All paperwork was thoroughly explained and submitted with such ease. Everything was done smoothly. We had no issues. My wife and I are very grateful and happy we chose THF and worked with Colby. Colby really made the whole buying experience worry free :>)

- E. Moye
-, VA | February 10, 2016

I have worked with Mrs. Gee Horton since she joined our preferred lender network at Liz Moore and Associates. Not only is Gee a very welcoming and comfortable person to work with, I never have to worry about my referrals to her. She guides each and every buyer through the lender process with patience and professionalism. I have never had an issue with any of Gee's loans and every loan she has serviced for my clients was ready to close on or before the closing date. I would recommend Gee to anyone looking for a seasoned, professional and personable lender.

- Carol Davanay
Newport News, VA | January 27, 2016

We were really frustrated and had a short timeframe with which to work. Michelle of Tidewater Home Funding didn't miss a beat, and connected us with the best realtor we could have asked for, Suzanne Dunlevy of Keller Williams Realty. The two worked diligently and we closed on a great house without any delay. Both of these ladies answered all questions we have had, and honestly, we could not have asked for better. Michelle and Suzanne both did a wonderful job, and alleviated as much stress as possible. Their combined confidence confidence, experience, and determination helped keep us going when we were ready to give up.

- R. Pelletier
-, VA | January 13, 2016

The sign welcoming us by name to the company, was surprising and special. The wine with the picture of our home, very thoughtful. The entertainment pack, popcorn and movies. There is so much thought throughout the whole process. We really appreciate it. I'm very pleased with our decision to use Mary Beth. She was prompt in our initial conversation and never stopped. We have been telling and showing people (the bottle of wine) how great the experience was. The whole experience was shocking. In 2015 to be treated this special, unbelievable! Customer service is number one.

- J. San Antonio
-, VA | December 14, 2015

Connie was sincere and professional. I would recommend her.

- B. Wood
-, VA | December 14, 2015

This was a great experience from the beginning to the end. Colby handled herself in a professional manner and I would definitely recommend her and Tidewater Home Funding to my friends. There was a small bump along the way but Colby handled it very well and we were satisfied with her level of service.

- J. Outten
-, VA | December 14, 2015

Everything was handled very professional. We appreciate the timeliness execution of everything you did to accomplish the purchase of our home.

- J. Faucher
-, VA | December 14, 2015

Ken was great, every time I called him, he was able to give us the advice I needed.

- M. Loyd
-, VA | December 14, 2015

From the beginning Deb was amazing. She made purchasing our home so easy and relaxing.

- J. Brahan
-, VA | December 14, 2015

As first time home buyers, Shikma was the best mortgage consultant we could ask for! Even before we officially started working with her, she took the time to meet at our local coffee shop one weekend to explain how different scenarios could work for us. Throughout the entire process, she always took the time to answer our questions - no matter how big or small - and seemed to genuinely enjoy teaching us about what we'd expect on closing day. Oh, and speaking of closing day, Shikma was there with us, even though she was 9 months pregnant - and then she went on to have her first little baby boy that night! My husband and I would definitely recommend working with Shikma for the following reasons: Patient - with all of our questions! and took the time to thoughtfully respond and answer them Responsive - regularly followed up with us and responded to our emails or phone calls Thorough - she took the time to explain everything, talked us through the process, leaving no stone unturned Overall, Shikma was wonderful - we'd definitely recommend working with her!

- K. Bowen
Norfolk, VA | November 22, 2015

Michelle was amazing! As first time homebuyers we did not know what to expect. She answered all of my questions (I had quite a few) and never seemed to be annoyed. I loved how she seemed to care for us and wanted us to have a stress free buying experience. Thank you Michelle!

- J. Ming
-, VA | November 18, 2015

From the outset Shikma was responsive to our every need and kept us continually updated about our mortgage application process. She was a pleasure to work with, whether on the phone or in person, and her knowledge and professionalism puts her over and above that of her peers in the industry. She has our highest recommendation!

- K.M
Virginia Beach, VA | November 14, 2015

There no higher rating and or compliment I can pass on. The level of patience understanding and professionalism is unsurpassed. You have my gratitude and appreciation for all you did.

- M. Self
-, VA | October 14, 2015

Everyone I worked with at Tidewater Home Funding, including Frank, Tammy, and the underwriter, was knowledgable and on top of the process, as well as a pleasure to deal with.

- S. Shaughnessy
-, VA | October 14, 2015

Taught me more of the ins and outs of the entire process, only because I was new to the process. They made it extremely painless and the entire process took maybe a week's time. That's also working with my intense military schedule. They got me a fixed rate almost a full percentage point below other banks.

- W. Rutschow
-, VA | October 09, 2015

Shikma was so helpful during our first time home-buying experience! We had tons of questions and she was always there to help us work through them and explain everything in great detail. She gave us different options for our loan and was sure to go over all of the details and make sure we understood everything. She was also so reassuring and helped me feel calm when things got overwhelming. I know that our experience would not have gone so smooth without her!

- C. Chambers
Virginia Beach, VA | September 16, 2015

Our experience with Frank and Tammy, A beginning of a friendship!!!! Very professional and any concerns were taken care of ASAP. Every question answered promptly. Will not go to anyone else or business!! Thank You!!! Steve and Sheila

- S. Biscak
-, VA | September 15, 2015

My experience with Tidewater Home Funding was the greatest. Michelle and Vicky kept me informed every step of the way. Excellent communication and customer service; just a wonderful experience working with them to obtain my first home.

- E. Ellis
-, VA | September 15, 2015

I felt as if I was the only client during our dealings, received prompt emails, calls and text for the entire process and never felt out of the loop :)

- M. Franklin
-, VA | September 15, 2015

Tidewater Home Funding was so easy to work with. They have excellent agents and exceed our expectations each time we have used them!

- A. Weimer
-, VA | September 15, 2015

Matt is as good as gets. We had a great experience working with him.

- B. Bowab
-, VA | September 15, 2015

This is my third time to close on a home and it was truly remarkable how smooth things went , staff always professional and having a wealth of knowledge. I was stunned reflecting back on the horror experienced during previous closings. I appreciate your expertise.

- K. Brooks-Johnson
-, VA | September 15, 2015

The whole staff gave me an outstanding service especially Ms Holly Cross. They all put their best efforts to make all the transaction go smoothly. I commend everyone a job well done . In my experience with your company everything was done perfectly and I am very happy and satisfy with everyone's service.

- T. Lejano
-, VA | September 15, 2015

Shikma was extremely thorough and professional during the entire home buying process. Not only was she knowledgeable, but Shikma was always willing to explain every aspect about receiving a mortgage. This made the process easy and stress free for a first-time home buyer like me. She answered emails quickly and many times after normal working hours, and made herself available whenever I had any questions. More impressively, she worked with me almost until she gave birth to her first child. Not only is she capable at doing her job, but she is friendly, compassionate, and understanding. I have already recommended her to a few of my friends interested in buying homes. Definitely one of the best mortgage consultants in the Tidewater area, if not the best!

- A. Soberman
Norfolk, VA | August 22, 2015

We had the pleasure of working with Shikma Rubin over the course of several months while Tidewater Home Funding managed our home mortgage process. She was meticulous in her handling of the endless paperwork, document signatures, phone calls, and deadlines, making sure that our money was ready to move when we were. Most amazing to us was that she performed all of these intensive services for us, and others, while just weeks away from delivering her first child!! Talk about focus and attention to detail! She was just great. There is no one more pleasant to work with than Shikma. My wife and I highly recommend her.

- C. Johnson
Virginia Beach, VA | August 21, 2015

Deb was wonderful during the home buying process. She was very easy to talk with and made me feel at ease. I would definitely refer her to others looking to buy a home. Keep up the good work!

- R. Wright
-, VA | August 18, 2015

We are extremely pleased with our experience! Jennifer and her team did an excellent job of keeping us informed throughout the process. We loved the email updates! Our questions were answered promptly and we were informed right away when a condition was needed. This was really the smoothest mortgage transaction we have ever experienced. Thanks Jennifer!

- S. Pellegrino
-, VA | August 18, 2015

Lee was so incredibly helpful, patient and understanding. He made the whole buying experience, which can be very stressful, seem so easy. Would use Lee again in the future if we ever considered purchasing another home!

- D. Hargrave
-, VA | August 18, 2015

Shikma is the best. She went above and beyond to answer our questions and get us the best mortgage package. She was easy to work with and responsive. She found us a loan option that another broker did not give us, thereby saving us money. We closed on time and the loan process has been seamless.

- B. Lerner
Virginia Beach, VA | August 17, 2015

You provided a wide range of very competitive financing options and helped us identify the the one that best fit our transactional needs. In addition, we appreciated the seamless document collection process and fast approval for the financing - it was as stress free an experience as possible.

- K. Riordan
-, VA | August 17, 2015

Frank [Malbon] was unbelievably responsive, attentive, and transparent throughout the entire process...again, while I was literally on the other side of the planet. He also successfully lowered my initial mortgage rate by .25%, by his own initiative, during the process. I CANNOT RECOMMEND FRANK ENOUGH!!! Thank you for my beautiful home!

- D. Crass
-, VA | July 17, 2015

Our experience with Michelle Phillips was absolutely perfect, starting with our initial call to be pre-qualified for a home we hoped to buy in the future. After finding our "dream home" in Kitty Hawk, NC, she immediately provided our realtor in VA with a pre-qualification letter to be submitted with our offer to purchase. Our income is primarily comprised of rental property and required specific information that she obtained readily and accurately to give us a sense of confidence. She was always extremely professional, efficient, and accessible when we needed her advice. She made the entire loan process easy to understand, keeping us in the loop regarding what to expect, the loan progress, and finally completing an awesome out-of-state closing in only 33 days from our contract-toclosing. She is definitely a "people-person" and did an excellent job working with our realtor, our insurance agents, and our out-of-state attorneys. She's always positive, upbeat, and loves making her clients feel special as she turns their dreams into reality. She is truly the "best of the best" and our loan officer in the future. Sincerely, Bobby J. and Anna D. Jones

- B & A Jones
-, VA | July 17, 2015

After dealing with Quicken, Debby was like a breath of fresh air. She was honest with me and did not try to trick me, like Quicken did. Very supportive and professional as well as Cindy. I would recommend her to anyone that wants a personal and professional mortgage consultant. Thanks, Deb and Cindy. You helped us so much through this stressful process.

- J & W Henderson
-, VA | July 17, 2015

Matt Marshall was extremely easy to work with. He explained everything in terms that we could understand, was quick to respond to our questions and concerns, and was extremely patient with us. He succeeding in helping to alleviate a lot of the stress that comes with purchasing a home, and my husband and I are grateful to have had him as an advocate for us throughout the process.

- L. Sposta
-, VA | July 17, 2015

Matt was wonderful. He provided us with all the information we needed, answered all our questions and explained things that we were unsure of what they meant. He was great!

- J. Pyeatt
-, VA | July 17, 2015

I can't say enough good things about Lori Walder. She was always on top of the issues and did a fantastic job in processing my loan.

- G. Sacco
-, VA | July 17, 2015

This was the first house we bought and Mary Beth and everyone made the process very easy!

- J. Pagano
-, VA | June 16, 2015

Mary Beth was very helpful every step of the way, and answered every question thoroughly and made sure that I understood everything before signing any paperwork, which I really liked.

- D. Segal
-, VA | June 16, 2015

Colby Raymond is a joy to work with. She ensured my refinance process was clear, concise and efficient. I recommend Colby and Tidewater Home Funding to anyone needing mortgage services.

- K. Belsha
-, VA | June 16, 2015

Colby Raymond provided outstanding home funding services from start to finish! She provided service well above and beyond my expectations.

- D. Douglas
-, VA | June 16, 2015

Debbie made the loan process very smooth and made sure to keep us informed through the whole process. Everything from approval to closing was a breeze.

- M. Mancill
-, VA | June 16, 2015

It was a pleasure working with Deborah Olmstead. She was great! It was nice working with someone who is always smiling and always available to answer all of your questions.

- M. Hart
-, VA | June 16, 2015

From my 1st phone call to Tidewater Home Funding to the last e-mail I was treated like I was the only customer. My loan way very small but the service was like I was taking a million dollar loan out.

- J. Sires
-, VA | June 16, 2015

As a first time homebuyer, I felt Michelle helped me to completely understand the loan process. Every question I had was met with a prompt, detailed response. It felt like she genuinely cared about me as more than a client, but also as a friend. By the time of closing, I was confident that I knew exactly what to expect. Even then, Michelle exceeded my expectations when I actually got money back after closing! Michelle will be my mortgage consultant for life!

- L. Draper
-, VA | June 11, 2015

My husband and I had the pleasure of working with Shikma Rubin as our Mortgage Consultant. Ms. Rubin was professional and made us feel comfortable during the entire process. Ms. Rubin was very knowledgeable and ensured that we understood every aspect of the process in applying for a mortgage. Ms. Rubin was very attentive and responded to our calls timely. I would like to thank Shikma for making the mortgage process a pleasant experience. I would recommend anyone looking to apply for a mortgage to request Shikma Rubin at Tidewater Home Funding as your Mortgage Consultant.

- P. Logan
Chesapeake, VA | June 04, 2015

Great from start to finish, both Frank and Tammy were very helpful and responsive to any questions I had. They made the process of obtaining a loan as easy as possible and were very friendly/outgoing. I would highly recommend both of them to any of my friends/family.

- G. Potter
-, VA | June 02, 2015

Exceptional. With your years of experience, knowledge, and good natured personality, you truly exhibited wanting and working for the best concerning my refinance. All of this applies to Tammy as well. You always immediately returned my calls and answered each and every question. Your office is comfortable, full of warmth, and non-intimidating. I did not feel like a client in a bank or mortgage factory, but a friend who's best interests were achieved through your efforts and hard work. Thank You!

- A. Vandeventer
-, VA | May 18, 2015

Mr Lee was excellent in his patience and knowledge. All experienced roadblocks were prepared for well in advance. Mr Lee made me feel like I was his only client and I appreciated the dedication, honesty and preparedness of Mr Lee. I would recommend him to family and friends anytime! Thanks to Mr Lee I am a proud new homeowner! Thank You Sir!

- J. Gaines
-, VA | May 12, 2015

My overall experience with Lee Moore and Tidewater Home Funding was great. Everyone there was professional, great to get along with and very knowledgeable. They responded to all my questions in a timely manner.

- A. Gasparyan
-, VA | May 12, 2015

It was a wonderful experience. Mr. Lee helped us in everything. He made everything to go smoothly. He is the best! Thank you Mr. Lee.

- F. Llanos
-, VA | May 12, 2015

Who could have thought buying a home could be so easy. :)

- S. Comer
-, VA | May 12, 2015

Buying a house is pretty intense. Debby at Tidewater Home Funding kept all of her promises and truly put our minds at ease. All of the hard work is gratefully appreciated!

- J. Selby
-, VA | May 12, 2015

I could not have been more pleased by the level of commitment and personal service I received from you and your company. I have already recommended you and will continue to do so. Thank you so much!

- N. Stowe
-, VA | May 12, 2015

Matt and the underwriters did a great job. Matt was super to work with, on time and on point. Thank you.

- J. Wafford
-, VA | May 12, 2015

Colby was amazing and managed to help me keep my sanity through the house buying process! She was there anytime I needed anything. The whole team really made the process so smooth and I am so excited to be in my new home!

- C. Jordan-Steinbach
-, VA | May 12, 2015

My whole experience from start to finish was both professional and yet friendly. Jamie was so helpful, efficient and supportive. Thank you all for giving me this new beginning.

- J. Davis
-, VA | May 12, 2015

Frank and his staff provided a very professional, efficient mortgage experience. They are extremely knowledgeable and made my home purchase a smooth process.

- A. Eggleston
-, VA | May 11, 2015

Janet I just want to thank you so much for all of your help and time with my refinance. Got the money in the bank and I just got a check back for $600 from the escrow holding so "yeah"! You've always been such a great help and I really appreciate you!!

- S. Lobur
-, VA | May 11, 2015

"I was given Shikma's information from a friend after I already had a home loan quote in order to get a second opinion. She was very knowledgeable about the home buying process even for someone like myself who is a second time home buyer. She took the time to meet with me and my family on several occasions to explain not only financial information but also to gather and collect other pieces of information to help us close on a short timeframe. I definitely recommend working with both Tidewater home funding and with Shikma Rubin toward the purchase of a home. Also, as a VA loan eligible home buyer, I found her to be responsive and competent with my needs for closing. Finally Tidewater offered competitive rates with the national lenders and were easy to work with."

- G. Mitzner
Hampton Roads, VA | April 16, 2015

THF was a great team to work with! Frank and his team worked hard to help us throughout the purchasing process and made sure we were on track up through the closing. Thanks for making the process easy!

- A. Wilson
-, VA | March 13, 2015

This was our first time building a home and getting a loan. Sean Sawyer, from the very beginning, was very helpful and walked us through the entire process. He was very quick to respond to any questions or issues.

- J. Harris
-, VA | February 20, 2015

We really enjoyed our experience working with Tidewater Home Funding and Susanna. Susanna was extremely helpful in answering our first time home buyer questions and kept us feeling calm throughout the process.

- A. Waters
-, VA | February 20, 2015

They took their time to make sure I understood everything and worked very hard as mine was not one of the easiest to get through. I would highly recommend to anyone who is looking to buy a new home. Wonderful team of people. Thank you.

- W. Bristow
-, VA | February 20, 2015

I'm glad I chose to work with Mr. Malbon and his associates while buying my first home. Frank was enjoyable to work with, was very informative, helpful, and prompt in returning all texts and calls. I plan to seek their assistance with any future mortgage loans.

- L. Drake
-, VA | February 19, 2015

Hi Sean, I apologize for not responding in a more timely manner, but just this past week we have finally gotten the whole family moved in to our new home and are starting to catch up on things - like emails! Anyway, we want you to know how much we really love our new home and just sometimes sit and think that this was 'too easy'! You and your staff made this whole process just as painless as could be and we truly appreciate all your efforts on our behalf. We will absolutely be recommending you, and Ronna, whenever we have the opportunity. So, thank you again for everything and we hope you have been having a great new year! All the best, Kim and Brett

- Kim & Brett
-, VA | February 04, 2015

I was extremely pleased with the prompt services I received from Tidewater Home Funding, especially from Frank and his team.

- B. Burgess
-, VA | January 13, 2015

Wonderful to work with and very easy going! Worked with me and made everything go very smoothly!

- A. Ewell
-, VA | January 13, 2015

Janet and her staff did an excellent job processing our mortgage and were a pleasure to work with.

- S. Pickford
-, VA | January 13, 2015

My daughter and I were very satisfied with this experience. Everyone was friendly and explained everything completely. Without Tidewater Home Funding, my daughter's dream would not have been possible. We are very satisfied and thankful for Janet and her team. We really appreciated all your hard work, to have made this happen. Thank you again. You make dreams come true.

- R. Foca
-, VA | January 13, 2015

This is the third time we have worked with Ken and his team. All have provided exceptional service and have taken the pain out of getting a mortgage or re-fi.

- A. Quintero
-, VA | January 13, 2015

Deb was an absolute pleasure to deal with. She made the loan process extremely easy.

- C. Johnson
-, VA | January 13, 2015

We were so thrilled about Debbie and how fast she was able to get us in our new home, which I know can be a heavy task working around all the holidays!

- R. McGee
-, VA | January 13, 2015

My overall experience was great. All my questions were answered on the spot. Very knowledgeable, professional people. Thank you!!

- J. Clingenpeel
-, VA | January 13, 2015

We having nothing but great things to say about Colby. She was awesome! Every question we had she had a answer to or got an answer to right away.

- D. Finkler
-, VA | January 13, 2015

The process was very smooth and we were kept informed every step of the way. Great experience.

- S. Cassara
-, VA | January 13, 2015

Frank, Simply, he is the man. My wife and I are both self employed which is an anomaly to the underwriter. Frank guided us through those turbulent waters and got the deal done.

- J. Standing
- , VA | January 12, 2015

Shikma is very knowledgeable about the entire mortgage process and is highly responsive. She got us pre-approved quickly and made the application process as easy as possible, keeping us updated on the status of our loan. Shikma worked closely with the realtors and attorney to make sure that everything was coordinated for the loan closing. Even if you are not a first-time home buyer, the mortgage loan process can be difficult to navigate and Shikma is there is guide you every step of the way.

- H. Cohen
Hampton Roads, VA | December 12, 2014

The whole process was made fast and easy for us. I am so thankful for all the help Deb has given us!! She is very sweet and helpful. Thanks again for making this happen!!

- B. Bicknell
-, VA | December 09, 2014

Jennifer was very knowledgable about my situation and the reverse mortgage issue. She made me feel comfortable with the entire process. I have already referred her/Tidewater Home Funding to a co-worker of mine!

- J. Widmer
-, VA | December 09, 2014

Excellent service, very customer oriented. I have used Mary Beth for many transactions, and am always impressed by her professionalism and level of care for me as the customer.

- L. Fowler
-, VA | December 09, 2014

Matt Marshall made my experience with Tidewater Home Funding a great one. He was well organized, and went above and beyond my expectations.

- H. Francisco
-, VA | December 09, 2014

I told Tidewater Home Funding exactly what I could afford and what I wanted, and they made it happen. They definitely put themselves in your shoes and do everything they can to keep the customer happy.

- B. Privette
-, VA | December 09, 2014

The professionalism of Lois Holmes-Raible made the whole process bearable. All my questions and concerns were addressed in a timely manner. I would do business with them again because I felt they had my best interest in mind.

- V. Williams
-, VA | December 09, 2014

The Tidewater Home Funding team is extremely professional. They made buying my home easy, and walked me through every single step. They made me feel like I was the number one priority.

- D. Quailes
-, VA | December 09, 2014

From Kim & myself, we just wanted to say thank you for ALL of your help and support throughout this entire process. You made us feel comfortable, at ease and the closing process was simple and smooth. This entire ordeal is all new to me anyway especially when dealing with the reverse mortgage process.

- J. Widmer
-, VA | November 25, 2014

I want to thank you and your team for the excellent customer service you provided. You are my #1 choice in mortgage contacts. I can’t tell you how much I appreciate working with you and your team. Thanks again.

- S. Mason
-, VA | November 14, 2014

Terry Kretz and Justine Marshall from the Newport News, VA office were outstanding! They were very professional and communicated with us through the whole mortgage process. They were wonderful!

- G. Taylor
-, VA | November 13, 2014

We went into this whole process, after being given the run arund from [another financial institution], feeling defeated. Matt Marshall and his team were so helpful. Any question I asked was answered in a timely manor and without making me feel stupid. I really enjoyed working with Matt and if we ever have to buy a home again, he's the only one I want to help with my loan.

- M. Kingan
-, VA | November 13, 2014

Michele was very professional and worked hard to get all paperwork done in time for closing. She stayed in contact with me throughout the process and got me an excellent rate. Thank you again!

- M. Booker
-, VA | November 13, 2014

Both Frank and his staff provide excellent service from beginning to the end of the process. Communicated and walked us through the whole process.

- R. Ramirez
-, VA | November 13, 2014

[He] felt the need of mentioning how professional [Jeremy] has been throughout the entire process. - VHDA borrower working with Tidewater Home Funding

- Mr. Torres
-, VA | November 07, 2014

Thank you so much for all your time and hard work. We couldn't have done it without you.

- Mike
Chesapeake, VA | November 05, 2014

Michele McDaniel was awesome from beginning to the end! She was so patient, caring, communicated with us quickly and efficiently & on top of everything at all times! Her co-workers were awesome as well! Everyone involved understood our circumstances and delicate time line and went over and above what was expected! I will recommend any and all who are in need of assistance in getting a mortgage to Michele McDaniel & the Tidewater Home Funding team! We can not thank you enough!

- S. Sivacek
-, VA | October 10, 2014

Debby was top notch. Very professional yet personable. I enjoyed working with her.

- J. Hitchcock
-, VA | October 10, 2014

Enjoyed total experience with Mary Beth. Well past expectations. Owe a huge Thanks!

- G. Adams
-, VA | October 10, 2014

As a first time home buyer, making a major life decision to buy a house brought along so many different feelings. Throughout this buying process, I was always in the loop and was very comfortable with Michelle and Jamie. They provided so much advice and insight on the process as well as encouragement to this young, single home buyer. I enjoyed working with them and would recommend their services in a heart beat.

- J. McClure
-, VA | October 02, 2014

My home buying experience was great because of the people who helped me. I would like to thank Matt Marshall for the hard work he put in to make it happen. You are the best.

- Derwin
Chesapeake, VA | September 16, 2014

Janet, you and your team provided an "above and beyond" approach and made what seemed impossible, our dream come true! You're fantastic and we truly enjoyed doing business with [you]. THANK YOU!

- D. Bockelman
-, VA | September 16, 2014

We highly recommend Tidewater Home Funding for your mortgage needs. Ms. Olmstead was efficient, professional and available to answer any and all questions we had during this process.

- M. Simmons
-, VA | September 16, 2014

I did not imagine on July 7, 2014 when I went to look at the condo in Deep Creek Commons that I would actually be the owner on August 28, 2014. I felt it would be a waste of time to contact a mortgage company when I had absolutely no money for a down payment. Reluctantly, I contacted Michelle Phillips of Tidewater Home Funding per the Realtor Art Beverly. By the next morning, I found out that not only did I qualify for the condo I also qualified for a first time home buyers program. The whole process was very simple, quick and well organized. The team of Tidewater Home Funding were friendly and patient. They were well organized and were eager to help me and answer any questions or concerns I had. Contact was made pretty much daily either by telephone or e-mail. I consider the whole process a job well done.

- S. Lawson
-, VA | September 12, 2014

Frank and his team provided an exceedingly high level of customer service and guided us throughout the entire process of funding our first home purchase. His deep knowledge and experience was evident and proved extremely valuable to us, especially when we unexpectedly found a home that we wanted to buy and needed to act quickly and confidently.

- J. Alexander
-, VA | September 12, 2014

We encountered an unexpected hurdle after making the offer on our dream home. Michelle coached us through and got us to closing. We can't speak highly enough for her experience and professionalism. Thank you, Michelle, for everything!

- K. Short
-, VA | September 08, 2014

Jennifer, Thank you for all your time and your expertise. I appreciate the energy you put into trying to get the closing for today. We know that everything was out of your hands. You are a great woman to work with and it has been a pleasure going through this mortgage process with you.

- Sandra
-, VA | September 05, 2014

"Shikma Rubin at Tidewater Home Funding is the best person to take you through the home buying process! Shikma was professional, personable and specific in explaining each aspect of the process, which had us at ease. She walked us through each step so effortlessly and was extremely patient with all of our questions!"

- M. Moore
Hampton Roads, VA | August 27, 2014

Michelle Phillips was very professional. I was advised of what documents were needed and she kept me informed at all times. She answered all of my questions. The whole process was done so smoothly and timely. She was courteous, understanding, knowledgeable and she made me feel very special.

- B. Spady
-, VA | May 27, 2014

Wonderful group to deal with. I have had several loans processed by Tidewater Home Funding in the past, and have never worked with such great people. It truly seams like a family business and makes me feel part of the family. As always, Tidewater Home Funding has been there for me. Matt & Mary Beth, both of you, are so organized and have expedited this process so much that we are able to close before month end, which saves me so much more money on my bills.

- J. Martin
-, VA | April 25, 2014

Susanna and Tidewater Home Funding made my first time home buying experience a dream. She was sure to go over every detail of the process for me and was always prompt to answer any random questions that I had pop up along the way. Everyone I worked with in the office was pleasant and very professional. I highly recommend this company.

- S. Lawhorn
-, VA | December 09, 2013

From start to finish, everyone at Tidewater Home Funding was great to work with. I worked with Janet, who kept me updated daily and easily explained the entire process. All the people at Tidewater Home Funding were very fun and knowledgeable but also professional. Janet set me up with everything I needed to close on time. Thanks to Janet and the whole Tidewater Home Funding team. I would definitely work with Tidewater Home Funding again.

- M. Coffin
-, VA | November 04, 2013

I was delighted by the excellent level of customer service I received from Tidewater Home Funding. I have already recommended Terry Kretz to four families who are looking for a mortgage. It is rare to find such a dedicated and kind individual in any area. He never faltered and made the many government requirements much more tolerable.

- K. Devanny
-, VA | November 04, 2013

Susanna Thomson was a pleasure to work with, she was very low key and did not pester us, yet go the job done quicker and more accurately than other mortgage officers we have worked with in the past. She was completely professional and always on top of our loan. She followed up and was easy to get in touch with. I would use her again.

- M. Riley
-, VA | November 04, 2013

The entire process went smoothly and all of the staff were very professional and courteous. This purchase was easier and more comfortable than using a larger organization [ ] that was far more impersonal. Kudos to David and the entire team!

- J. Yarbrough
-, VA | August 22, 2013

I appreciate the professionalism, clear intructions and expectations originially set during the process. It was also very welcoming to see our name at the entrance on closing date.Speical thanks to Michelle and to all who help in the process.

- M. Hyman
-, VA | May 17, 2013

Michelle was great. We initially had credit problems, and she took the time to go over our credit reports and tell us the items that needed to be addressed. Other mortgage providers just told us we didn't qualify and left it to us to figure out what needed to be done. I'm a big stickler on customer service and I wasn't dissappointed.

- Mark M.
-, VA | May 17, 2013

I chose Tidewater Home Funding after I had trouble with my previous mortgage application. I switched because the other comapny couldn't answer my questions. Tidewater not only answered them, but provided additional information that made the decision all the more easy.

- S. Huchton
-, VA | March 11, 2013

I was treated so incredibly well by the entire team - especially by Susanna Thomson. I would 100% recommend THF to anyone I know! Not only was Susanna super helpful and patient, she made everything fast and convenient. My closing was beyond my expectations in a good way... everyone else who has bought a house commented on it too.

- S. Jimenez
-, VA | February 14, 2013

Deb was a job to work with. I was pre-approved on the same day we first met with her, and she always responded promptly with any questions or concerns that I had. My wife and I are hometown people and so is Deb! Her assistant, Cindy was spot on too! And as far as the day of closing, our personalized gift was the icing on the cake!

- V. Haynes
-, VA | February 13, 2013

The entire process was incredibly painless. Mary Beth made me feel so at ease and explained exactly what would happen and approximately when. I was kept up to date on where we were along the way and everyone I came into contact with was beyond helpful and courteous. I couldn't have been more happy and pleased.

- C. Beeler
-, VA | February 13, 2013

Mary Beth, I just wanted say thank you so much for everything you've done for us while purchasing our new home. I can't even describe what it felt like to walk in the first time after closing knowing it was ours. Your entire team was so nice and helpful and I can't tell you how good it feels knowing we went through this, in this day and age, with such a smooth process from beginning to end. Thank you so much!

- C. Beeler
-, VA | January 31, 2013

My real estate closers have offered unsolicited comments about the positive experience they have in dealing with your staff at Tidewater Home Funding. Their comments always express the politeness of your staff, how easy it is to work with them, their positive attitudes, professional demeanor and the easy flow of dialogue and discourse between them and with Tidewater Home Funding.

- Jeffery N.
-, VA | December 17, 2012

I have already recommended a close friend. Michelle was great to work with and kept us well informed. She made home buying, even for the not so good credit holders, easy and stress free. With the experience we had with Michelle Phillips, I have no problem passing her name around.

- E. Adlawan
-, VA | December 04, 2012

I have sent family to Tidewater Home Funding in regards to answers for home buying. I feel so secure with all Tidewater Home Funding has taught me and so much patience for first time home buying, that I will always refer to them as my financial advisors. Thank you so much.

- P. Duval
-, VA | October 22, 2012

I would refer friends/family to Tidewater Home Funding. I worked with quite a few people during my journey into purchasing a home and I was beyond pleased with the professionalism and courtesy and timely response to calls/emails.

- D. Grube
-, VA | October 22, 2012

Tamzen is the best! She was patient and helpful. We will follow her next time we need help.

- T. Allison
-, VA | October 15, 2012

Dave and Justine were very diligent in processing my loan as quickly and efficiently as possible. I spoke with Justine often as this was my first home purchase. She answered all my questions and put my mind at ease as I was very nervous about the process.

- A. Phillips
-, VA | October 15, 2012

THANK YOU---THANK YOU!! WE PICKED UP OUR CHECK & COPIES YESTERDAY AND JUST WANTED TO LET YOU KNOW HOW MUCH WE APPRECIATE YOUR HANDLING EVERYTHING SO WELL ON OUR LOAN. ITS GREAT HAVING A LOCKED IN LOW INTEREST RATE FOR 30 YEARS AND WE CAN PAY IT DOWN FASTER IF WE WANT TO, WITH NO PENALTY. THANK YOU FOR THE PEACE OF MIND!!

- P & P Mumey
-, VA | August 31, 2012

Tidewater Home Funding was easy to work with and transparent throughout the process. I knew exactly where we were at the different phases of the process and felt comfortable that important milestones would be met. I will certainly keep THF in mind when family and friends are shopping around for mortgage services.

- P Wengel
-, VA | August 07, 2012

The whole experience was good. I appreciated the quick responses to any questions that I had. It meant a lot to know right away that you qualify for the loan prior to signing a contract. I really appreciate everything done on my behalf that allowed me to close on the home so easily. Thank you very much.

- J. Gibbs
-, VA | July 09, 2012

Michelle Phillips is an absolute asset to your company. She is the reason I used Tidewater Home Funding. She goes above and beyond to help her clients.

- A. Ferguson
-, VA | July 03, 2012

If I have someone interested in refinancing, I will definitely pass their name on to Charlene Turner.

- J. Ballard
-, VA | July 02, 2012

Excellent service. Mary Beth is the finest loan officer I have ever dealt with. I have closed on no less than 25 loans during my life and she makes it easy! Hands down the best and easiest path to a loan I have ever experienced.

- J. O'Donnell
-, VA | July 02, 2012

Everything went very smooth and quickly. Have used Jeremy as well as other's from other companies in the past, but nobody is more efficient than he. Can't think of anything that wasn't handled 100% professionally.

- J. Sasso
-, FL | July 02, 2012

Michelle was very patient and understanding. Being a first time home buyer, it was important to me that everything was explained. Michelle went line by line to make sure I didn't have any questions. I would definitely do business with her again.

- B. Little
-, VA | May 22, 2012

Mary Leeds provided great advice and assistance. It was a pleasure working with her.

- E. Jeffries
-, VA | April 26, 2012

This (Tidewater Home Funding) was our mortgage company!!!! They were sooooo nice over there! We bought our house sight unseen and picked this company through a recommendation! We were in NY, going to Virginia Beach. ALL of our paperwork was done with our printer, copy, & fax machine!!! It was so nice to deal with people that KNOW what they are doing! I highly commend their professionalism and attitude!!! Thank you all for ALL your help in getting this done for my wife and I!!!!

- M. Cohen
-, VA | April 02, 2012

The service was top notch. No improvement required.

- R. Lapoint
-, VA | March 30, 2012

The staff was amazing and professional. Michelle Phillips was amazing.

- H. Cook
-, VA | March 20, 2012

We WILL definitely refer family members, co-workers, etc. to work with our consultant, Debbie Olmstead. She was in all ways professional, efficient, and went above and beyond to be available, helpful, and shepherd us through the buying process with ease. We are so glad we worked with Debbie instead of the first mortgage company that approved us!

- J & L Whitt
-, NC | March 20, 2012

The service was excellent, and the employees were very helpful.

- A & J Witherspoon
-, VA | March 20, 2012

This was my 4th mortgage with THF. Every transaction from application to closing was flawless. This last mortgage was 17 days from initial contact with Mary Beth to closing. It couldn't have happened any quicker or gone any smoother. I have developed a level of trust in Mary Beth and am comfortable referring her business.

- P & M Richard
- , VA | March 20, 2012

Charlene was eager to answer all questions and was efficient in her work and response back to me when necessary. Her friendliness and attitude were greatly appreciated.

- L. Duggan
-, VA | March 20, 2012

The customer service was excellent. Jeremy was more than willing to explain and answer any questions that I had. As a first time home buyer this was very helpful as I did not know the majority of the process and Tidewater did a wonderful job helping me understand and feel comfortable with my decision.

- K. O'Connell
-, VA | March 20, 2012

Tidewater was friendly, professional and courteous throughout our home buying process. Treated as if we were family. Thank you Mary Leeds.

- F & G Hagan
-, VA | March 20, 2012

I enjoyed the professionalism and promptness of the work that I was given with Matt. The closing of our house was down to a month and he worked diligently to get everything done for us to close on time.

- B. Madlock
-, VA | May 12, 2015

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Tidewater Home Funding

Tidewater Home Funding, LLC NMLS# 41552
(www.nmlsconsumeraccess.org).
Equal Housing Lender.

Licensed in Virginia, North Carolina & Florida.

VSCC Bureau of Financial Institutions, P.O. Box 640, Richmond VA 23218-0640, (1-800-552-7945) www.scc.virginia.gov/bfi

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