OneMain Financial focuses on personalized lending that considers individual needs beyond credit scores, offering personal loans, credit cards, and mortgage payment solutions. Customers appreciate the professional and patient support from the team, though some have noted discrepancies in payoff amounts. The company provides clear terms and in-person guidance through its branch network.
OneMain Financial specializes in providing personal and business loans with a straightforward application process. The team assists clients through each step, often making the experience smooth and clear. Some customers note the process can take time, but overall find the support helpful.
Old Point Mortgage offers personalized refinancing and mortgage services with a focus on clear communication and helpful support. The team works closely with clients and partner organizations to navigate the home financing process. Customers appreciate the attentive assistance, though experiences may vary depending on individual interactions.
TowneBank Mortgage offers personalized mortgage lending with a focus on attentive service and clear communication. The team handles a range of loan options, guiding clients through the process with professionalism and care. Customers appreciate their positive approach and attention to important details throughout each transaction.
CMS Mortgage Solutions, Inc. offers knowledgeable and friendly mortgage brokerage services, guiding clients through every step of the loan process with clear instructions and regular updates. The team handles loan structuring and timelines efficiently, though some customers have noted communication gaps during major changes. Many appreciate their professionalism and fast service when securing… more...
CMS Mortgage Solutions, Inc. offers knowledgeable and friendly mortgage brokerage services, guiding clients through every step of the loan process with clear instructions and regular updates. The team handles loan structuring and timelines efficiently, though some customers have noted communication gaps during major changes. Many appreciate their professionalism and fast service when securing properties.
Known for offering a wide range of loan options including USDA, FHA, VA, and Conventional loans, Southern Trust Mortgage, LLC focuses on guiding clients through the homebuying process with personalized support. Customers appreciate the team’s clear communication and proactive approach, though some note occasional delays in loan processing.
Towne Mortgage is known for its patient and knowledgeable team who guide clients through complex processes like 1031 exchanges and home financing. They offer personalized mortgage services and take time to answer questions thoroughly. Customers appreciate the ongoing support, though some note challenges with current interest rates.
RW Towne Mortgage is known for its responsive communication and attentive support throughout the mortgage process. The team offers guidance on home loans and stays engaged to help clients navigate challenges along the way. While many appreciate their helpfulness and expertise, some have found the experience less smooth than expected.
Coastal Towne Mortgage focuses on guiding first-time homebuyers through the loan process with clear communication and knowledgeable support. The team helps clients explore options like using home equity for repairs and offers assistance with closing costs. Customers appreciate their patience and willingness to explain each step thoroughly.
The Broker focuses on providing low rates and fees while guiding clients through the mortgage process with clear communication and educational resources. Their team assists with everything from pre-qualification to closing, aiming to simplify financing for both first-time buyers and experienced investors. Customers appreciate their professionalism and support, though some note the process can… more...
The Broker focuses on providing low rates and fees while guiding clients through the mortgage process with clear communication and educational resources. Their team assists with everything from pre-qualification to closing, aiming to simplify financing for both first-time buyers and experienced investors. Customers appreciate their professionalism and support, though some note the process can feel intense at times.
Southern Trust Mortgage is known for its personalized guidance and experienced loan officers who help clients navigate a variety of home loan options, including USDA, FHA, VA, and Conventional Loans. The team supports first-time buyers and refinancers alike, offering a smooth process with attentive communication and local market insights. Some clients note that scheduling can require flexibility… more...
Southern Trust Mortgage is known for its personalized guidance and experienced loan officers who help clients navigate a variety of home loan options, including USDA, FHA, VA, and Conventional Loans. The team supports first-time buyers and refinancers alike, offering a smooth process with attentive communication and local market insights. Some clients note that scheduling can require flexibility, but responsiveness remains a strong point.
Licensed in Virginia, Florida, and Texas, M&M Mortgage Team offers a digital-first approach to home financing that simplifies the mortgage process. They assist with home purchases and refinancing, providing clear explanations and competitive rates. Customers appreciate the team’s transparency, responsiveness, and guidance throughout each step.
Known for clear communication and reliable support, TowneBank Mortgage helps clients navigate home loans with straightforward guidance and timely updates. The team offers personalized loan options and maintains close contact from application through closing. Customers appreciate the easy-to-follow process and responsiveness throughout.
Michael Hartnett NMLS #207733 offers clear, upfront communication throughout the mortgage process, helping clients understand each step from start to finish. The team provides patient, professional support and keeps borrowers well informed, making the experience smoother and easier for those navigating home financing.
Coastal Towne Mortgage (NMLS#: 766975) is known for its responsive and dedicated approach to home financing. The team helps with purchasing and refinancing, guiding clients smoothly through the mortgage process. Customers appreciate their professionalism and clear communication, though some note the experience can be intense during busy periods.
TowneBank Mortgage blends a hometown approach with modern technology to offer personalized mortgage solutions. Their team handles a range of loans, including purchases, refinancing, and construction, with a focus on clear communication and efficient processing. Customers often note a smooth experience and helpful guidance throughout the loan process.
Vantage Point Mortgage specializes in helping clients close home loans quickly, even under tight deadlines. The team offers mortgage brokerage services focused on clear communication and a smooth process. Customers appreciate their professionalism and responsiveness, though some note the experience depends on timely cooperation.
Towne Mortgage is known for its personalized approach, guiding clients through complex mortgage and debt payoff plans with clear communication. The team offers mortgage packages designed to simplify buying or selling a home, and customers often highlight their responsiveness and helpfulness. Some note the process requires active involvement but appreciate the support throughout.
Arbor Home Loans specializes in VA Loans, providing detailed guidance and a variety of home financing options tailored to different needs. Their team offers personalized support throughout buying, refinancing, and construction loan processes. Customers appreciate their responsiveness and patience, noting the helpful, clear communication during each step.
Known for clear communication and quick responsiveness, Coastal Towne Mortgage helps buyers navigate the home loan process with ease. The team offers personalized mortgage solutions and stays accessible through text, email, or phone to answer questions promptly. Customers appreciate their professionalism and support, especially during last-minute paperwork.
TowneBank Mortgage is known for clear communication and a transparent process, with no hidden fees or surprises. The team offers VA home loans and other mortgage services, using a user-friendly mobile app to simplify document handling. Customers appreciate their responsiveness and thorough guidance throughout the loan process.
Licensed in Virginia and North Carolina, Tier 1 Home Loans focuses on providing clear, personalized mortgage solutions that help clients navigate every step from pre-approval to closing. The team works closely with real estate professionals and offers tools to support informed decisions, with many clients appreciating their responsiveness and straightforward communication.
Known for responsive communication and support during tight deadlines, TowneBank Mortgage helps clients navigate mortgage loans with a personable approach. The team assists with lender switches and closing details, often praised for being available and clear throughout the process. Some customers note the experience depends on individual agents.
Known for his patient, clear guidance and availability even on weekends and holidays, Barry Sharif specializes in home and business loan advising with a focus on real estate investment strategies. The team offers personalized consultations, educational resources, and VA notary services, helping clients navigate financing options with transparency and care. Some clients note the process can take… more...
Known for his patient, clear guidance and availability even on weekends and holidays, Barry Sharif specializes in home and business loan advising with a focus on real estate investment strategies. The team offers personalized consultations, educational resources, and VA notary services, helping clients navigate financing options with transparency and care. Some clients note the process can take time, but appreciate the thorough support throughout.
About Jimmy SgambelluriWith 22 years of experience in sales and marketing, Jimmy Sgambelluri specializes in strategic positioning to drive significant business growth. He is dedicated to fostering synergy within diverse teams and enhancing customer experiences through technology, automation, and data-driven approaches. Sgambelluri thrives on innovation and continuous improvement, aiming to… more...
About Jimmy SgambelluriWith 22 years of experience in sales and marketing, Jimmy Sgambelluri specializes in strategic positioning to drive significant business growth. He is dedicated to fostering synergy within diverse teams and enhancing customer experiences through technology, automation, and data-driven approaches. Sgambelluri thrives on innovation and continuous improvement, aiming to contribute to organizational success and expansion while building strong relationships with clients and colleagues.Credentials & ExpertiseSgambelluri possesses advanced proficiency in Microsoft & Google Suites, CRM, Lead Generation, Sales Automation, and Customer Positioning. He is also proficient in Digital Marketing, SEO, AI, and Copywriting. His extensive work history includes roles such as Sr. Loan Officer at Homespire Mortgage Company, PrimeLending Mortgage Company, Fulton Bank, and Affordable Mortgage of Virginia, as well as Director of Mortgage Lending at MICG Lending Group.OfferingsSgambelluri's expertise encompasses a wide range of sales and marketing strategies, including digital marketing, lead generation, sales automation, SEO, and AI. He has a proven track record in account management, SEM strategy development, and utilizing CRM software for growth. His skills extend to business development, automation strategy implementation, brand awareness enhancement, and crafting persuasive sales copy to drive customer engagement and sales.Unique AdvantagesJimmy Sgambelluri brings 22 years of sales and marketing experience. He excels in positioning strategies for business growth and leveraging technology, automation, and data. His advanced skills in CRM, sales automation, and customer positioning set him apart.
Known for clear communication and responsive support, this team helps simplify the mortgage application process from start to finish. They assist with loan approvals and keep clients informed at every step. Customers appreciate the smooth experience, though some note the process can feel detailed at times.
Veteran-owned and licensed across multiple states, Tier 1 Home Loans specializes in VA, FHA, conventional, and investment loans tailored to a variety of homebuyers. The team is praised for professionalism, clear communication, and making complex financing feel straightforward, though some clients note the process can still feel detailed.
Lenders made 1,897 home-purchase loans in Hampton City County in 2025 (average about $282,000) and denied 207 — 10% of decided applications, compared with 11% across Virginia, according to federal mortgage data (HMDA, CFPB). In Hampton, the median home is worth $245,700 and 71% of owners have a mortgage, paying a median $1,704 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Hampton City County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
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