EXPLORE
Lake of the Woods
Whether you’re looking for a home on the water or the golf course, the affordable community of Lake of the Woods is one of the best kept secrets in all of Virginia…
MILITARY
Home Buyers Guide
Looking to purchase a home using a VA Loan? Our “VA insider’s guide” will give you the information you need to get the most out of buying a home in our area.
MEET YOUR
Site Sponsor
Tanner Mulvihill is the Sr. Loan Officer and Owner of Bayfield Home Loans in Stafford, Virginia. He is a recognized expert on VA loans and credits his experiences as a Marine in helping to shape his commitment to Veterans.
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Sergine Kyakimwa
2023-04-17T01:28:17+0000
Tanner made the entire home lone experience completely painless and easy! He is incredibly responsive and explains everything so well. He goes above and beyond to make sure everything will work out in your favor. Since doing our original home loan through him we have used him for two refinances and every experience has been spectacular. Cannot recommend him more highly!
Alissa Nicholson Bellios
2021-11-17T17:35:06+0000
Tanner was helpful, knowledgeable, kind and was always available to answer my questions. I would recommend him to anyone. I really enjoyed working with him.
Chrissy Cakez
2020-12-17T02:25:25+0000
Tanner helped us get a great rate on our refinance a few years ago. Everything went so smoothly and his customer service is top notch. We wish he could assist with the refinance on our house in Florida… he’s awesome!
Susan Miller Combs
2020-12-15T16:06:41+0000
Two and a half years later, and we still talk about how easy our home buying experience was! Everyone we know who buys a home, seems to take a while, and they always say they want to pull their hair out. However, our experience with Tanner was absolutely different! Everything was so easy and it was such a smooth process! Highly recommend!
Tabitha Roat
2020-12-15T13:35:20+0000
Tanner works extremely hard to ensure his customers experience the highest quality in customer service possible, his clients are always his first priority. Tanner is also a prior service Marine and fully understands the VA financing and lifestyle involved with being a service member. If you’re in need of a home loan or refinance Tanner with Bayfield Home Loans is the way to go!
Bambi Mulvihill
2020-02-06T01:30:04+0000
Tanner is an amazing and true professional! He helped me with the purchase of my home in Sep 2019. He saved me A LOT of money! Thank you Tanner!!Adam McBride
Adam McBride
2019-12-20T12:25:30+0000
Tanner was great to work with! He stays in constant communication with you during the entire process and even continues to ensure you are happy after you have purchased your home. Highly recommended!!
Derek Hall
2019-07-27T12:32:14+0000
I’ve worked with Tanner as a Realtor for many years. We make a great team and I am never worried or waiting for responses from Tanner. He is on top of all his clients loans. My clients and I are very happy with Tanner and his service to our transactions.
Daniella Serven Home Sales
2019-03-20T16:48:04+0000
Tanner helped my wife and I buy our home using the VA program. From the outset, it was evident he had the experience and resources to get us the best rate available for our particular circumstance. This was our fourth home purchase but no matter how many times you go through the process, there are always new variables. Tanner’s breadth of knowledge and responsiveness to our questions made this our best experience yet.
Jonas Johnson
2018-12-14T23:40:56+0000
I would highly recommend reaching out to Tanner if you are in the market for a home loan. I first met Tanner when we moved into the Fredericksburg area and we were looking for a home to purchase. Tanner met with me a few time to discuss rates, get pre-qualified, and to answers the many questions I had in reference to the area. During this process we decided to build a home instead of buy an existing home. This was a lengthy process but when it was time to begin getting things in order to close we did some shopping around for rates again and I spoke with several loan specialists. I reached back out to Tanner again and told him the different rates that we were being offered and the conditions that went along with them. Tanner was great in helping me understand the different options and ultimately was able to give me the best option. He is very knowledgeable, understands the market space, and very relatable. It was a pleasure working with him.
Tim Lloyd
2018-09-25T11:35:31+0000
My wife and I decided in February to take the plunge and buy a home. Our lease was due at the end of April, I wasn’t sure if would be possible but Tanner said he would make it happen. Sure enough on April 10th we closed on our lovely home. Had a few questions at all hours, Tanner replied promptly with answers that eased my mind. Made our first home purchase with ease of mind, THANKS Tanner. We will recommend you to everyone.
Cusquenia Rutherford
2018-07-25T22:38:41+0000
We recently purchased our second home with Tanner and had an amazing experience. He quickly and easily got us pre approved and from that point on was a very valuable resource when looking for our home. He calculated the rates for multiple houses for us and made sure we are making an educated decision. He was always super fast answering the phone or any texts.If we have to buy a house again we will definitely use Tanner again and highly recommend him!
Lisa-Maria Isabella
2018-07-19T11:12:35+0000
When we moved to a new state entirely, we picked a lender at random who was local to the area. We were so glad we got Tanner! He is very knowledgeable and kept in constant communication with us, was great about explaining how the process differed from what we were used to. Highly recommended!
Chris Brotherton
2018-06-20T09:50:39+0000
I worked with Tanner and Bayfield Home Loans when I bought my first home just over 2 years ago. Tanner made the entire loan process as easy and simple as possible. He was always available to address any questions, concerns, clarifications that I had throughout the entire ordeal, beginning with the home search all the way up to my closing day (which he was present at). When the day comes to move on from my current house, I will once again contact Tanner to help me with my next adventure!
Charlie Fuqua
2018-06-18T18:45:46+0000
Tanner was forward and honest. He treated us like family and answered anything he asked. We never felt wrongly steered and comfortable at every step. We have turned friends and workmates in his direction with positive results.Only choice, no one needs to go further than Tanner at Bayfield Home Loans.
Ian Alan Watson
2018-06-13T00:56:51+0000
Tanner went above and beyond. As a veteran I like dealing with people who say what they mean and do what they say – this is Tanner. Thank you
Joe Hoyt
2018-06-10T13:12:20+0000
I’ve purchased a few homes and Tanner is the best at what he does, especially with communication. He always let me know exactly where I was in the process, what I owed, and what I should expect. Every step of the process was very predictable and was… dare I say… EASY. The online tools he uses were super-convenient and allowed me to perform much of my part from the comfort of my home. He’s local, he’s a fellow vet, and great at what he does. I guess this is why I’ve used him twice!
Jason Thompson
2018-06-09T15:19:35+0000
I have used Bayfield Home Loans twice and recommend them to everyone I know looking for financing. Tanner is a no pressure wizard when it comes to VA loans. You won’t regret talking with them for your financing needs.
Stephen Hudson
2018-06-09T02:07:11+0000
I would highly recommend using Tanner to assist you in your home buying process. He was always there to answer any questions we had and communicated all information to us throughout, always making sure we knew what to expect next. He’s great for the experienced buyer or first time buyer. And we were very pleased with the terms of our home loan!! Thanks Tanner!!
Melissa Owen Johnson
2018-06-08T11:36:13+0000
Tanner made the VA lending process easy and even contacted the VA to get my eligibility certificate so I didn’t have to! � He patiently answered our numerous questions and we were very pleased with the terms of our mortgage. I would highly recommend Tanner for your mortgage needs.
B.E. Burks
2018-05-31T07:14:59+0000
Tanner always works very hard to ensure that his customers are the highest priority and fully understand everything they need to know. From the first step of the credit check to the final step of your closing, Tanner is always right there with you to make sure your process is as smooth as possible. Not to mention he is physically there with you at your closing. How many loan officers have you had or seen at the closing of a home? Your peace of mind is that important to him. Tanner is also a prior service Marine and fully understands the VA financing and lifestyle involved with being a service member. Why give your business to large corporate conglomerates that never have your best interest in mind? Support local business and local business owners! Tanner has been the only loan officer I have used for my three mortgages, and will certainly be the only one I use in the future. Thanks again Tanner!
ValGene Bauer
2018-04-12T13:00:03+0000
We have lived in multiple states and bought a total of 8 houses and Tanner is at the top of the list for financing. The process was quick and painless. Thanks Tanner.
Patti Hoyt
2018-04-09T16:47:34+0000
Tanner is the man. He was phenomenal throughout the entire process from start to finish. Communication was top shelf which made the loan process stress free. I would not hesitate to recommend him and his staff because they have it down to a science. Well done!!
Brandon Pridgen
2017-12-14T22:26:34+0000
We had a great experience going through Tanner Mulvihill, kept us up to date and informed. Made the process quick and painless! Thanks so much!
Lacey Jones
2017-10-27T11:25:29+0000
Recently purchased a home through Bayfield Home Loans, and have nothing but amazing things to say about them — especially Tanner! The process was quick and painless, and Tanner made me feel completely at ease throughout the entire ordeal. Definitely recommend them to anyone looking to purchase!
Heather Dempsey
2017-10-05T13:30:44+0000
I highly recommend Bayfield Home Loans. They are absolute experts when it comes to the VA Loan. They’ve taken care of two of my clients now and their service has been top notch.
Justin Pierce
2017-09-22T12:40:26+0000
Tanner and Bayfield Homes were amazing – they found us the funds we need to close and in the end it was the deciding factor for the seller…..basically because of Tanner and Bayfield’s expertise we got the home we wanted!! I can’t recommend them enough!
April Airhart
2017-05-31T12:43:26+0000
Tanner was extremely helpful and patiently answered all my questions in detail! We were first time homebuyers and he really made the whole process fairly smooth and painless for us. We had a great experience. I highly recommend Bayfield Home Loans!
Elisabeth Sharpes
2017-05-16T00:29:46+0000
Tanner was great to work with. As a first time home buyer, I was completely new to the whole process but he worked me through it without any confusion or frustration. The process was seamless and he was available whenever I had a question. I would recommend him to anyone who is looking into purchasing their new home/home in a heartbeat.
Brittany Michelle
2017-03-15T14:42:15+0000
We truly enjoyed working with Tanner. He couldn’t have been more helpful and professional …
Lauren Benotti Mackenzie
2016-12-15T17:09:41+0000
Tanner has always been a great help. I’ve used his services twice now and I will go back in a heartbeat if the time arises. He has always made the process simple and quick. Great service all around.
Chris Hinson
2016-12-15T15:03:46+0000
Tanner Mulvihill was great and took care of us during our streamline refi. Process was as smooth and painless as advertised and he really took great care of us. I would definitely recommend to family and friends. Thanks Tanner!
Chelsi DeChambeau Dickman
2016-12-05T05:45:10+0000
As a first time home buyer I had no idea what I was doing and the entire process intimidated me, but I was lucky that I got on board with Tanner. He went above and beyond to make the process as easy as possible while patiently explaining everything and answering all my questions…probably more than once. I couldn’t have had a better experience with Bayfield Home Loans. I have all the confidence in Tanner, it was a pleasure to work with him and I feel lucky to have had him be a part of making one of my goals in life come true. Thanks Tanner!
Viviana Nunes
2016-10-05T15:14:20+0000
I was lucky enough to have Tanner Mulvihil recommended to me by a friend from work. My husband and I shopped around for lenders. But Tanner was very comforting and he took the time to actually talk to me and figure out what would work best for us, being a first time home buyer. Which I didn’t get that from the others. I was really pleased finding out his interest rate didn’t compare. Tanner was able to get our closing done ahead of schedule, knowing we really needed to move in. Needless to say, I will be recommending Tanner to any future homebuyers. ��
Erin Kelly
2016-10-03T01:54:20+0000
Tanner’s service made purchasing our home a stress free event. He gives personalized service that is unmatched. We could not have asked for more attentive, more knowledgeable service.
Jase Scott
2016-09-29T01:54:56+0000
I have used Bayfield Homes Loans now for repeated services including purchases and multiple refinancing. Tanner is extremely knowledgeable, always helpful and is available to answer questions and time you need him. He is an expert with VA loans and works tirelessly to get you the best rate and close with the least out of pocket expenses (most of the time 0$). I personally recommend Tanner and Bayfield Home loans to all my friends, family, and co-workers. Certainly a 5 star business!
Keith Pruitt
2016-06-15T15:40:29+0000
Bayfield Home Loans is fantastic. They helped us purchase our home and then refinance. Each time the paper work requirements have changed as years passed, but Bayfield was there to sort through all the issues. Bayfield is able to shop rates and offer services that benefit the home buyer rather than other companies who work for a bank’s best interest. Great customer service and phenomenal work rate from quality people. Home buying with anyone else would not be the same.
Shawn Baker
2016-06-15T13:21:45+0000
We had an awesome experience with Tanner at Bayfield!! He was so helpful and answered all our questions. He was very fast to respond to all our needs! Thank you Tanner!!!
Ginger Kimble
2016-06-14T17:41:45+0000
This is not my first but second refinance with Bayfield Home Loans, what an outstanding company. Tanner has been there personally for both of my experiences to answer any and all questions, and walk us through the process. His phone has been on night and day, any time I need him or have a question he answers right away. Bayfield has saved us thousands of dollars and done it with a smile on their face the whole time!
Caleb Childs
2016-06-14T15:57:23+0000
Tanner was absolutely great to work with. He explained all the options and took the time to explain some the more complex items involved with new home financing. Would highly recommend him to anyone looking to purchase a home.
Thomas Kopp
2016-06-14T14:49:10+0000
When I moved into the area, Tanner made the process of purchasing a home, painless and without stress. He anticipated my questions as a first time home buyer and addressed all my concerns. As a military veteran, Tanner understand the stresses a military family endures when relocating to Stafford, VA area. His support and service to others is a true testament of his dedication to our community.
Jorge Beltran
2016-06-14T13:36:04+0000
Ryan C Frey
2016-05-13T15:43:53+0000
It was a absolute pleasure working with Tanner, will definitely recommend him to anyone that will be using a VA loan. He ensured that all documents are drafted and signed in a timely manner. The entire process went smoothly without a hitch. Thanks again for all your work and will hope to have your services again in the future!
Quincy Chuang
2016-04-29T18:57:15+0000
Tanner was professional, specific in what he needed from us, and the process was painless. I would not recommend any other mortgage company when buying a home!
Simonie Merritt
2016-04-11T12:30:59+0000
Tanner was great. Wonderful experience overall. He kept us up to date throughout the entire process and we ended up closing ahead of schedule. Well done!
Philip Campitelli
2015-12-17T11:35:58+0000
The crew at Bayfield Home Loan is top flight… Tanner was outstanding and covered all aspects of the different loan options afforded to me. Tanner’s courtesy and attention to detail was awesome…. I would highly recommend Bayfield as the company to take care of your loan needs!!!!
David Munoz
2015-12-16T15:40:24+0000
Tanner and the Bayfield team were very helpful and provided quick responses to questions and needs. I’m very happy with the process and am now enjoying my new home
Susan Willis
2015-12-16T15:11:31+0000
