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.
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
I highly recommend Tanner’s services. I reached out to Tanner on Valentine’s Day to inquire about refinancing. He responded so quickly on the same day. Working with him was great too! We filled out the application and the process was so seamless and quick! My husband and I were able to close on March 15th! Five star process all the way!
Chantae O’Connor
2021-04-05T15:45:30+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
As a first time home buyer, Tanner made the process straightforward and painless. Great customer service and would definitely recommend them.
Phily Kirby
2016-07-03T17:02:44+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
Tanner and his crew are awesome!!! You can expect outstanding service, honesty, and commitment.
Michael Kies
2016-06-14T23:35:12+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
This is the first house that my wife and I have purchased together. It would be an understatement to say that Liz and her team at Bayfield Home Loans went above and beyond for us. From their professional attitude, to their near constant availability, to navigating a maze of IRS bureaucracy, Liz was the finest loan officer we could have asked for.
Charles Workinger
2015-07-06T21:32:43+0000
My husband and I just bought our first house and Tanner made the process as smooth as possible. He was there to answer any questions and was a pleasure to work with!
Mallory Anne Doody
2015-06-12T15:17:11+0000
Recently purchased my second home with Bayfield and wouldn’t use anyone else. A staff that truly works for you with your best interests in mind. Polite, fast, dependable and honest. Made both of my home purchase experiences very memorable.
Aaron Chudosky
2015-06-10T19:52:10+0000
This is the best place to secure a home loan!! Tanner worked with us about five years ago when we purchased our home. He made the process effortless and we received the VIP treatment from Tanner and his staff. Even though it has been five years since we worked with Tanner he still keeps in touch with us. Just last year I had a few questions about re-financing and he responded within the hour with the right answers. Thank you and Happy Birthday Tanner for all your knowledge and personal touch to ALL your clients.
Diane Priest Rinchack
2015-06-10T17:41:30+0000
We worked with Tanner Mulvihill on the purchase of our home. He was so helpful and knowledgeable. Tanner even called us two years later to inform us about lower interest rates. He treats everyone like family.
Nellie Rodriguez
2015-06-04T13:48:21+0000
My husband and I used Tanner/Bayfield Home Loans for the purchase of our single family house. Best decision we ever made. I was totally clueless about the process and Tanner walked me through everything. I definitely recommend to anyone!!! Doreen Boggs recommended Bayfield Home Loans to us so we are especially thankful to her as well!!
Meredith Fortier
2015-06-02T15:24:59+0000
Absolutely wonderful team to work with! Tanner helped me all the way through the home buying process and I knew exactly what my payment would be with every house I considered! He was always available to help and the whole team pushed through and we closed on our house in just 3 weeks since we were living out of a hotel! Thanks again Tanner!
Helen Bare Pense
2015-06-02T13:04:05+0000
Buying a home through Bayfield was the best experience I have ever had when buying a home. Tanner was always available for questions or to walk us through the process. His estimations were right on target for our VA loan making it a breeze to figure out what we had to bring to the table, if anything. Tanner also helped us refinance our loan and he made that easy too! I will never go anywhere else but Bayfield Home Loans if we ever need to buy another home! We LOVE our new home! Thanks to Tanner we can enjoy it worry free!
Kristen Pruitt
2015-06-01T11:51:11+0000
Baabs FarmPak
2015-05-27T20:37:40+0000
It was a pleasure working with you, Amy Vernam, on both the purchase and refinancing of our Stafford home. You were patient and informative; helping us every step of the way. I recommend you to all our friends. Thank you.
Carrie Kortman
2015-04-16T18:04:22+0000
It is so nice working with you Amy! I love that you communicate any problems if they arise and are always on top of details ~ big or small. It is nice to know that you follow up and follow through to make sure the deal closes. Thank you!
Karen Thomas Janson
2015-04-15T23:53:14+0000
I wish I could give Amy Vernam 6 stars. Thank you for the top notch professional help.
Jason Vernam
2015-04-15T00:33:46+0000
Thank you Amy Job well done, as always. Hope to work with you again on the next loan.
Greg Kolandjian
2015-04-14T22:40:03+0000
Amy Vernam has gone above and beyond to help me through the loan process. She has worked with me every step of the way. She is the best. I highly recommend her to anyone looking to buy a home. She is very knowledgeable in all aspects. Thank you Amy.~Kelly Esperanza.
Kelly Esperanza-Johnson
2015-04-14T22:16:25+0000
It was a pleasure to do business with this company and give Amy a five star rating! She was so accommodating and came to our house after hours so as to fit into our crazy work schedule! Amy was so thorough and got back to us quickly when we had questions. Our closing was during a snow storm but that didn’t slow anything down….a big truck arrived right on schedule and with the paperwork in hand! I would recommend Amy to family and friends!!
Suzie O’Hara Ludwig
2015-04-14T21:22:36+0000
This was my first home buying experience. I had Amy as my loan officer and she was highly personable and easy to work with. She had everything laid out on time and ready to go and explained every detail of the process. If you want a stress free and fun experience buying a home this is where to go.
Scott DeMeule
2015-04-14T20:44:03+0000
Tanner helped us out through the whole process, and he is awesome! He’s always available if you have any questions and looks to help the customer any way he can. We ran into issues finding a loan that was right for us and he worked is magic to find us the right one! He was also really quick, closed in just 25 days because we were on a time crunch to move in. Highly recommend using Bayfield Home Loans!!
Shelby Khan
2015-04-06T20:54:29+0000
My wife and I have been financing and refinancing mortgages with Tanner since 2007. Tanner has always taken care of us answering every question we have. Just closed on a refi today that I thought we’d never be able to do. Thanks again Tanner for the awesome follow-through!!
Brian McIntosh
2015-03-06T19:30:38+0000
Tanner was such a great person to work with the first time we needed him for the closing of our home. He was just as great the second time! He is very thoughtful and organized. Any questions or concerns he explains them well and is always available! His response time is impeccable. He continues to be of great service to our family.
Nikole Mihill
2015-03-02T17:20:51+0000
This is the third house we’ve bought in the past 10 years and this was by far the best experience! Tanner made the process so easy, helped us secure our closing costs and navigate the complicated VA downpayment estimation process. Everything was explained to us and he helped us maximize our buying power. I don’t think this would have been possible anywhere else. The service is excellent and if we ever buy again, we won’t go anywhere but Bayfield Home Loans! Thanks Tanner!
April Morton Airhart
2015-02-24T22:15:28+0000
As a first time home buyer, Tanner exceeded all expectations and made the entire process stress-free and was available any day and time. Everything was made crystal clear throughout the whole process, meaning we had to ask less questions and we never had any doubt we were being taken care of every step of the way. Thanks Tanner!
David Kirby
2015-02-22T00:56:07+0000
My husband and I have used Bayfield Home Loans for the original financing of our home and our refinancing. They are true to their word, honest, and professional. It is in our opinion that there is no other company to take care of our financing needs. Thanks for everything.
Cheryl Chichester Turner
2015-01-31T19:57:37+0000
The service provided by Bayfield was outstanding. Tanner personally contacted us when rates dropped lower to save us more. His staff was helpful and professional. Have recommended many times and will continue to do so.
Olivia Atchley Dillon
2014-12-20T17:54:50+0000
Tanner assisted my husband and I with a refinance of our home. We were very impressed with the rapid turn around start to finish. Great company and wonderful customer service. High recommend.
Debbie Donato Vallejo
2014-12-18T18:26:53+0000
We could not be happier with the service we received from Tanner at Bayfield Home Loans! Tanner truly went above and beyond for our family! I did not think a refinance was possible and Tanner made it happen! This was a life changer for us, we are now paying so much less on our mortgage!
Christina Deane
2014-12-17T15:37:40+0000
We had an excellent experience with Tanner Mulvihill with Bayfield Home Loans. We got a great percentage rate on our refinance and it was such a positive experience. We will definitely do business again with Tanner!
Allyson Volzke Krohe
2014-12-16T17:20:32+0000
Excellent service and quick closing. Actually used them with two different home purchases. Would recommend highly to others.
Debbie Springer
2014-12-11T17:52:43+0000
My experience with Tanner was awesome. I put in a bid to buy a home and was going to be rejected in favor of another offer due to my banks long lead time on closing houses. My agent recommended Tanner and that night we took care of everything over the phone in order to get a brand new bid in. To make a long story short, Tanner worked any hour we needed in order to get my closing done in an extremely short amount of time. This is the fourth time I have been through the mortgage process and my experience with Tanner was clearly the best
Kyle Smaagard
2014-12-07T22:00:51+0000
Even though I had been a part of buying a home in the past, I had never done it by myself. Tanner Mulvihill at Bayfield Home Loans was very patient with me, and answered every question I had and helped me think through all scenarios available to me. I feel like he was very honest and helpful, and I would not hesitate to use him again if I go through the process again!
Amy Klinck
2014-12-01T13:53:43+0000
My husband and I used Bayfield Home Loans twice now and couldn’t have been happier. Mr. Mulvihill was very knowledgeable and helped us get a great loan both times. We have recommended him to many friends and would recommend him again to anyone.
Suzanne Lloyd
2014-12-01T01:43:48+0000
We have refinanced twice with Tanner at Bayfield and the process was easy. He walked us through with what we needed to know and answered all our questions. We would never think of going to anyone else and I always recommend Bayfield Home Loans to friends.
Kim Brash Lee
2014-11-25T14:36:00+0000
Can’t say enough good things about Tanner and his staff. I have refinanced twice with him and will continue to refer my friends to him. Ethical and committed to each individual client. You will not only get the best possible loan for your situation, but you will get an education of all available options for you. He never provides information that does not benefit the client directly. Don’t hesitate to give Bayfield Home Loans a call, you won’t regret it.
Norma Ravelo Ortiz
2014-11-22T16:00:18+0000
Chris Haas
2013-12-02T18:47:23+0000
