Integrity,
it’s not just our name;
it’s how we do business.
Finding the home financing that suits your current and future financial needs.
Local Industry Experts
We’ve built our reputation as a trusted lender since 2005 serving our local communities.
Innovative Financing
We provide a variety of financing options and incoporate the latest technology to meet your needs.
Customer Service
Providing concierge service for first time homebuyers or seasoned homeowners, to find the financing that is right for you.
Basic Steps To Home Financing
Purchasing a home is one of the largest investments you will make in a lifetime. It is important to understand the basic steps to accomplishing the goal of homeownership.
Step One
Contact mortgage loan originator to submit a pre-qualification request to determine how much you can afford before house hunting. You will then meet with your real estate agent and begin the journey of finding a home that suits your needs.
Step Two
Once you find your home and have a signed ratified contract you will meet with your mortgage loan originator to submit a mortgage loan application. You will then proceed through the mortgage loan process.
This includes processing where the collecting of initial financial documentation will be gathered, and the appraisal will be ordered. Next underwriting will verify the information submitted in your file along with the property appraisal to make sure you meet program guidelines and requirements.
Step Three
If the loan has been approved, you will then go to settlement where you will sign final loan documentation and receive the keys to your new home!
About Jeff Austin
{ I like to be kept updated on things. I asked if they could do that. They did very well keeping me posted on the process. To me, thats all that counted. Thanks again all for your help. The house is great. James K.
About Marlin Beitzel
{ Marlin and his team did a fantastic job helping us purchase our home. They made sure we were well informed every step of the way and their online portal made managing the loan process very easy! Jones Family
About Sherrie Bloomfield
{ Sherrie gave us all the information we needed to know (including answering all of our novice first-time-homebuyer questions) and was always one step ahead at keeping the mortgage process moving smoothly. I really appreciate everyone’s generosity with their time and attention to detail. Adam C.
About Tammy Bullard
{ Tammy was very thorough and always very informative, patient, and helpful explaining the process as it progressed. I’m a first-time homeowner and was unfamiliar with the process; I’m very grateful to have worked with Tammy and benefited from her expertise and transparency. Tammy’s professionalism and passion for her work made this intimidating process a really […]
About Chris Carson
{ Chris was very clear and direct with all info we requested. His follow up was outstanding and he was able to get us where we needed to be. Great overall job. Jon R.
About Melissa Conner
{ We were so happy with our choice of Melissa to help us with our home purchase. She was professional, knowledgeable and friendly. Best experience ever. Janet R.
About Dave Couk
{ Extremely capable and supportive, the team helped me through the whole process with ease and a personal touch. I can’t thank them enough! Julie M.
About Chris Eyre
{ Chris E. & Robin N. did an amazing job in helping me through the home purchase process. They both demonstrated a strong knowledge of rates, forward-thinking application process and immense patience. We closed on our beautiful home on 7/19/22 and we would not be homeowners without them. Please call them if you are looking to […]
About Darren Ferlisi
{ We highly recommend Integrity Home Mortgage Corporation. We have used them twice in the last year for the purchase of different homes. Mr Ferlisi, Ms. Ferlisi, and Ms. Davis provided us with exceptional customer service. Everyone at Integrity was very professional, knowledgeable, polite, highly responsive, and patient. We are grateful for their assistance and would […]
About Scott Fournier
{ I was referred to Scott about four years ago. During that time he helped on my credit and advise me on how to get it better so that I would qualify to buy a home. Every few months someone from his team or he would give me a call and check up on my progress. […]
About William Hendricks
{ I enjoyed working with everyone. They were there for us in every step of the process. The loan officer explained what we could do to improve our chances of receiving a decent loan and didn’t make us feel like it was impossible. If we had any question someone was always available to answer those questions. […]
About Adam Huddleston
{ It was a pleasure working with Adam and his team during our recent home purchase. They were quick to reply to our inquiries and gave us the kind of customer service you would never find with a big mortgage company. We are very happy that we chose Integrity as they got us the best rate […]
About Mike & Bridget Keffer
{ Mike and Bridget were wonderful throughout the entire home buying experience. Great communication, very personable and walked me through everything along the way! David H.
About Ross Lehman
{ Our settlement happened even though we were out of town on the day that it needed to happen! You guys worked hard to get the papers FedEx’d. You were also easy to communicate with when questions arose. Thank you! Linda B.
About Mia Mauck
{ Having been more than three decades since we purchased a home the process has intensified exponentially. Mia walked us through each step patiently and was such a joy to work with. Mary D.
About Bill McHugh
{ Bill was wonderful as usual! I think this was the 7th time I have gone to Bill with a home purchase & my son has also gone thru Bill for his first time as a home buyer. Donna F.
About Byron Reed
{ Byron Team has helped me with two home loans and a refinance. One of the best lenders I have dealt with. They answered all my questions during and after normal business hours (even on weekends). Byron will treat you like family and put any worries you have at ease. I recommend them to everyone I […]
About Ron Ross
{ Ron was wonderful to work with! He stayed in touch and was very accessible to us during the process! We appreciate all of the work Ron put in to help us buy our first home and we will definitely recommend him to friends and family in the future! Sarah K.
About Dylan Sipe
{ Absolutely the best service in all categories. I can’t say enough good things about my experience. I will definitely recommend Dylan to all friends and family! Nina A.
About Dave Spencer
{ This team is phenomenal! Dave answered ALL of my questions, no matter how silly and ran several scenarios so I can make the best informed decision in the process. He was very patient with me and exceptionally timely in his responses! The customer service was the deciding factor for me when choosing a lender. Ambermarie […]
About Faye Strickler
{ Faye was so helpful every step of the way. She answered her phone or texts no matter what the question or what time of day. As a first time home buyer I was so grateful for her help! Emily R.
About Jason Sullivan
{ Jason and Caragh were very clear with instructions since day one. I always felt their sincere interest to help me and they answer my calls all the time and were very supportive. Luis Z.
About Linda Sulser
{ I was impressed by the attentiveness of the staff and their responsiveness to my questions. Whenever I had a question, I had a response within minutes, even on weekends. Robert S.
About Stephanie Tomlin
{ Stephanie and her team are great! Whenever we had questions, she would answer them. No matter if it was a weekday or weekend, we always felt like we could ask her a question. She was very personable, and we enjoyed having her through the home buying process! Chandler T.
About Kim Violette
{ I can’t recommend Kim Violette enough! Over the past several years she has helped us through buying our first home, refinancing our home and buying land. She’s professional, knowledgeable and responsive, but even more than that she’s kind and puts her clients needs first. She patiently walked us through every step and answered all of […]
About Kate Walker
{ I have always been impressed by Integrity, and working with Kate Walker on my re-fi was the best experience I’ve had so far. Everything went like clockwork. Kate listened carefully to my goals and found the right package for me. June H.
About Braxton Yeago
{ I gave my loan officer about half of the time he would have normally to complete this process. He successfully did so with grace and respect towards my husband and I. Victoria S.
About Julie Yoder
{ I couldn’t have asked for a better team! Julie and Carlos made this process go a lot smoother than what I had imagined. Their expertise and knowledge made me feel very confident with my purchase. You guys rocked it! Vanesa M.
About William Hendricks
{ We were able to purchase our new home despite not being the highest offer, and the seller specifically said they chose us because they preferred our lender. Amazing!! William is a life saver! – John M.
About William Hendricks
{ We were in a tricky situation and William went beyond to help us in every step! We’ve never experienced such a wonderful relationship with a lender and we are so thankful to have found William and his team! We’re so happy in our new home and great deal of that is due to William and […]
About William Hendricks
{ I have used William for my home purchase and TWO refinances in the past 3 years. He could not be any easier to work with. He is kind, knowledgeable, and most importantly – trustworthy! If William says it, I believe it. He and his entire team made the process so easy and I could not […]
About Chris Carson
{ Chris Carson was fantastic to worth with through the mortgage process. His positive can-do attitude makes the process actually enjoyable. Stephen E.
About Chris Carson
{ We had a time constraint due to delays from another company and Chris got the job accomplished in record time and to our complete satisfaction. James A.
About Faye Strickler
{ Faye was so helpful every step of the way. She answered her phone or texts no matter what the question or time of day. As a first home-buyer, I was so grateful for her help. -Emily R.
About Faye Strickler
{ Very quick and helpful. They were great about responding and answering all of our questions. -Erin B.
About Faye Strickler
{ Faye and her team are amazing. They communicate clearly and in a professional manner. The process of purchasing or refinancing a home can be confusing and scary adventure. Faye and her team simplify the process and keep you updated so you are never left wondering what step of the process you are in. -John M.
About Kim Violette
{ We began working with Kim after we ran into issues using our Credit Union as a lender. She and her team are were very helpful and walked us through every single step. She answered all questions if not same day, then by the next morning. She and her team made sure that we were on […]
About Kim Violette
{ After calling Kim in a panic, she calmed our nerves and got us in to our home. She returned my call after hours to address my concerns with another lender. She was so knowledgeable and truly cared about getting us into our new home on short notice! Quick and efficient! Her and her team were […]
About Dave Partridge
{ Buying a home is a daunting process and working with Dave and Brenda helped eliminate any stresses that one may run into. What I appreciated the most is when we did run into unexpected hurdles, they were immediately addressed with solutions in hand. Working with this team, I knew we had someone in our corner […]
About Dave Partridge
{ Thank you to Dave Partridge and Brenda Gose for taking care of us during our home buying process. They were extremely helpful and knowledgeable. Great communication. We highly recommend this team! ~Amira K
About Dave Partridge
{ Dave and Brenda provided outstanding professional service in leading me through the mortgage loan process. They were great partners in helping me to navigate the complex process of securing a mortgage loan on a new home from start to finish. They made the process easy and simple for me as a consumer. Thank you! ~Patricia […]
About Jeff Austin
{ If you are looking for best mortgage team in MD then look no further because Jeff & Joy are the best! They spent 8 months working hard during this crazy market to get us into the perfect home. Their team explains the process very thoroughly, and was available always to answer any questions we had, […]
About Jeff Austin
{ I was referred to Jeff through my sister who is a real estate agent in Frederick. We moved to Martinsburg, WV and the entire process with Jeff and his assistant, Joy, was a pleasure. They were both very helpful and quick to answer any questions I had. I also appreciated the informational videos they sent […]
About Jeff Austin
{ Jeff and his assistant, Joy were so helpful in getting our home refinanced! They gave us a GREAT rate and made the process super easy. They were also really responsive and quick to answer any questions I had. I would highly recommend them! Anna L. (Google)
About Mia Mauck
{ Mia was always firing on all cylinders, she took care of any issues that arose during the process and answered every question we had. I highly recommend Integrity Home Mortgage Corporation to anyone that is looking to process their home loan needs! The staff was always professional, friendly, and took the time out to explain […]
About Mia Mauck
{ Everything was taken care of with very little input from us needed. And with where we were coming from, that was awesome. We had a lot to do to get to where we were going and Mia took care of everything on this end. She even attended closing with me and made me feel very […]
About Mia Mauck
{ Mia was extremely kind and patient every step of the way. She thoroughly explained everything and kept us calm through it all. Sharon M.
{ We were first time homebuyers and had no idea where to start. Our wonderful realtor put us in touch with Kim. Kim pre-qualifed my husband and I within fifteen minutes and we started searching for homes that very day.When we finally found our home and our offer was accepted, Kim made the process absolutely flawless […]
{ I’ve worked with Kim twice now with the first time being a refinance. Then just recently, selling my home with a contingent sale and buying a new home out of this area. I couldn’t be more pleased with her services. Both experiences were wonderful. Kim is professional, knowledgeable and a pleasure to work with. In […]
About Ross Lehman
{ All members of Ross Lehman’s team did an outstanding job of communicating what they needed and in problem solving for an issue I had with my former mortgage company, while trying to secure the mortgage for my new home. Great job guys! Alphonse m
About Ross Lehman
{ I was very satisfied with the service tge you provide to me. Thank you so much for everything you guys did for me. Brian T.
About Bill McHugh
{ Bill was wonderful, even when things got a little tough. Always positive and available. By Lorraine P
About Bill McHugh
{ Is always a pleasure working with Bill McHugh he is honest and always makes you feel comfortable asking questions! By Jonal D
About Bill McHugh
{ As a first-time home buyer with little financial knowledge, I very much appreciated Bill’s patience and explanations of financial jargon! He is knowledgeable and someone we could trust during the homebuying process. He and Aime were quick to respond whenever we had questions.” By Jessica M
About David E. Couk Jr.
{ Dave was amazing, and the experience with IHMC was the best. As first time home buyers, this was all very new to us and we were not educated on the process when we reached out to Dave. He took the time to walk us through every detail of the process and explain why things work […]
About David E. Couk Jr.
{ I cannot recommend Dave highly enough. Throughout the process, he was communicative, compassionate, and thorough. I always felt like I was in the most capable hands and that he sincerely cared about the outcome for me. Dave is knowledgeable and forthcoming with information—I trust him without question. I would never consider working with anyone else. […]
About David E. Couk Jr.
{ David did an excellent job for me. He is at the top of his game and one of the best in the industry. I have been a realtor for many years and he has helped complete smooth transactions for clients, family, and friends. When I decided to refinance there was no doubt who I was […]
About Byron Reed
{ We have had the pleasure of working with the Reed team three times. Our home, additional property and refinance. They’re absolutely amazing. If you think your credit isn’t were it needs to be, the team helps you get to the number needed to buy your dream home. Someone from the team stays with you through […]
About Byron Reed
{ Byron and Emily are wonderful to work with. They have helped us get our credit to where it needed to be and helped guide us along the way as we purchased our first home . You can’t go wrong with this team ! We look forward to working with them more in the future! -Renee […]
About Byron Reed
{ Byron is the Super smart uncle you wish you had to help navigate annoying processes . He and his team are like a family , and treat you like family . They might come crack a cold one to celebrate with ya once you close. -Scott Boyd
About Marlin Beitzel
{ These guys are complete professionals and they know their business. After our former mortgage company dropped our contract one day before closing, Marlin and his crew stepped up BIG time and saved our contract and now thanks to these guys we own our new home! We HIGHLY recommend Team Marlin and his crew of dedicated […]
About Tammy Bullard
{ Oh my goodness. I wouldn’t know where to begin. It is almost like you would have had to have been there. Tamara was phenomenal. She was always on top of everything. I don’t think I could have bought a home without her in all seriousness. She was a lot of fun too. If I had […]
About Tammy Bullard
{ How was my experience with Tammy? Amazing!! She was knowledgeable and thorough. Tammy is the best loan officer I have ever worked with. Lana B.
About Sherrie Bloomfield
{ Sherrie is one of the most hardworking people I have had the pleasure of working with. She went above and beyond to ensure our loan closed on time. All document request were made known within a few days of the submission of our application. I have worked with her on several loans/refinancing and she is […]
About Sherrie Bloomfield
{ Sherrie and Kate were amazing. They both responded immediately to our questions and provided amazing follow-up. I would highly recommend them and if I purchased another home would use them again. Richard A
About Melissa Conner
{ I’m very pleased that you understood everything I was going through. You knew that I was scared and you cared a lot about my feelings. Judith M
About Melissa Conner
{ Melissa Conner was absolutely fantastic! We came in nervous and stressed about buying a house. She made the experience very easy. Also she made sure we understood everything that was going on and helped us step by step in our first time home buying process. We can’t thank her enough for everything she has done […]
About Dave Spencer
{ Dave was wonderful to work with. He answered all of my questions and was so very patient with me. Thank you for all your help, Dave! Megan L.
About Dave Spencer
{ This whole office is amazing to work with. Our builder made things very difficult on us and Dave and Brenda went out of their way to make sure everything was taken care of. I’m addition to that, Dave MIGHT be the nicest person in Culpeper and he went above and beyond what was expected to […]
About Dave Spencer
{ Dave was an excellent loan officer with a prompt response time and was extremely knowledgeable. Dave was able to guide me through the home buying process and lock in an excellent deal. I would recommend Integrity Home to anyone looking to purchase a home. Charles R.
About Dave Spencer
{ Dave was a huge help with the whole house buying process. He helped us every step of the way! Dave was prompt with responding to any questions we had. He broke down every piece of the loan and showed us exactly what the projected money amount would look like. We were well educated by Dave […]
About Dave Spencer
{ It couldn’t have been easier! Dave Spenser answered all of my questions, got me just about the best rate I could expect, and Brenda Gose provided detailed guidance on all documentation required to complete the process. I was extremely pleased! James C.
About Dave Spencer
{ This was the second time we have used Dave Spencer and his Integrity Mortgage team. First for a re-fi, and most recently for the purchase of adjoining lot. Two separate types of mortgage and quite a bit to work through, and these folks did an outstanding job making sure we fully understood each process and […]
About Bill McHugh
{ “Thanks so much Bill. It was a pleasure working with you. You are so knowledgeable and helpful and we appreciated your guidance and expertise throughout the entire mortgage process. We will definitely send family and friends your way for mortgage financing!” Ken R.
About Bill McHugh
{ “Always available to assist us and quick to respond to our questions. Bill and his Team were patient with us, friendly, and worked hard to get our loan approved”. Linda P.
About Bill McHugh
{ “With the ever changing situations in my move and rates, Bill and team always exceeded my expectations!” Les H.
About Bill McHugh
{ “Thank you so much Bill for everything. I have already referred you to 3 people I know. You were wonderful to work with and answered all my questions with ease. Loved your knowledge and experience.” Michelle S.
About Bill McHugh
{ “Thank you so much Bill! It’s always been great working with you and we refer you to everyone, anytime we can!” Derek N.
About David Partridge
{ Dave Partridge and Brenda Gose are two of the finest professionals I know. Picking a mortgage company is daunting but thanks to a referral from a trusted friend we knew we’d be in safe hands. From the first time we spoke with Dave we felt we had made the right choice. Dave and Brenda secured […]
About David Partridge
{ From the first phone call I felt like an extremely valued customer. Both David and Brenda were responsive to each and every inquiry I had, in a very timely manner. Phone calls and emails sometimes had to trickle into the evening hours, and they were both always “on call” for whatever was needed. Not only […]
About David Partridge
{ I googled the information of Integrity Home Mortgage and came across Dave Partridge’s contact information. He is awesome!!!!!!!!!!!! He’s so responsive, kept me informed on every moment throughout this process, and Brenda Gose was also just as effective. I would work with Dave a million times over and recommend him to everyone, he went well […]
About David Partridge
{ Dave and the entire team were professional, capable, prompt and courteous throughout the entire process. Hard to imagine how it could have been easier. ~William F.
About David Partridge
{ Wonderful first-time home buying experience. Dave and his colleagues were professional, thorough, and timely. Dave explained each step-in detail letting us move forward confidently. We highly recommend him. ~Kindra B
About David Partridge
{ David and team provided us local support when my family and I were relocating from the Atlanta, GA area to Richmond, VA. He worked diligently with us to ensure that he understood our needs and proposed a customized solution to our unique set of circumstances. In many instances, displaying a lot of creativity. He was […]
About David Partridge
{ David was a wonderful resource and help to me as I navigated buying my first home. He was always available to answer any questions I had about the process while simultaneously putting my mind at ease. I really enjoyed working with him and will definitely recommend his services to others ~Caitlin G
About David Partridge
{ Everyone knows buying a home can be an extremely stressful event, which is why the team you surround yourself with can really make a difference in the experience. We were so fortunate to have found David Partridge with Integrity Home Mortgage Corporation. He took the time to explain things clearly and walk us through each […]
About David Partridge
{ The first thought that comes to mind is TEAMWORK!! Even with good teamwork you still have to have the best players to win the tough ones and we certainly did here…..we can’t thank you enough for not the only expertise at your craft, but the relentless effort to get it across the finish line! Many […]
About David Partridge
{ Oh my word… Dave you and Brenda are angels dropped smack dab out of heaven! I thank you both so very much for sticking with me through A LOT of attempts to get to this day! I can’t sing your praises loud enough and will for sure continue to do so to everyone I meet […]
About David Partridge
{ Thanks so much to David and his team for being there for me during the construction of my home. I appreciate the personal attention, advice, and hand holding throughout the entire process. David assured me at the beginning that he and his team would take care of me and look out for my best interest…one […]
About David Partridge
{ Dave, I just wanted to reiterate how thankful I am that you facilitated the loan process for my family and I. We are so pleased with the home, your recommendation on an agent, and your incredible care and service throughout the entire process. ~Stephen B.
About David Partridge
{ I have been in the real estate appraisal business for almost 30 years and have done business with many different mortgage brokers and lenders. When it came time recently for my wife and I to apply for a home loan, we chose Dave and Integrity Home Mortgage Corp.. We could not be more pleased with […]
About David Partridge
{ David, Thank-you to you and your team for all your help with my recent refi. You made it seamless. You and Brenda made it easy to submit all of the required documents and anytime I had a question, you all were there with a quick answer. I won’t hesitate to recommend you to my family […]
About David Partridge
{ It was a pleasure working with Dave and Brenda on my recent refi. While the process can be tedious, Dave and Brenda made it enjoyable and fun, with lots of laughter along the way! The service was great, with quick responses, thorough communication, and lots of great options that helped me find the best solution […]
About David Partridge
{ David, We wanted to say thank you again for taking such great care of us, both with our original home purchase and our recent refinance. When we purchased our home several years ago, you promised you would keep an eye on our mortgage and rates and let us know when it would be opportune to […]
About David Partridge
{ Dear Dave, Linda and I want to thank you for your professional services you afforded us in the refinance of our homes. We appreciate the kind and competent way you helped us in accomplishing both refinances. The COVID 19 pandemic and Linda’s illness made this an extremely stressful time for us. Without your careful and […]
About David Partridge
{ David and his team are absolutely amazing. They work 24/7 to make sure you are getting the absolute best numbers available. Their level of communication coupled with years of professional experience make every transaction easy and enjoyable! ~Chris H.
About David Partridge
{ Dave is not only the best mortgage broker in town, but he is the best at customer service broker in town. He makes every attempt to anticipate your needs and exceed them in areas you would not even think of as it relates to a mortgage. I have purchased six homes in my life and […]
About David Partridge
{ Prior to working with David, I had very little understanding of the mortgage world or the loan process. Without ever coming close to patronizing, David not only made the process possible, but he offered peace of mind by helping me understand what I was signing up for. Two things are readily evident the moment you […]
About David Partridge
{ Not only did Dave do superb work for me, making a non-conventional situation work in the best possible way, but he has been reported to be just as highly attentive and competent for the folks I have referred to him. I wouldn’t go anywhere else for a mortgage! ~Kari S
About David Partridge
{ David was incredibly professional and attentive during my home buying process. He took great care in making certain I secured the best loan possible for my situation. David consistently made himself available for questions and ensured the loan process ran seamlessly. I would absolutely recommend friends and family to work with David. ~Lauren H.
About David Partridge
{ Dave, thank you for attending the closing yesterday for my son Curtis. I especially wanted to be there so I could personally thank you for all you did for Curtis but I had a previous commitment. You were just great Dave. You were with Curtis through the entire process. With no agents involved, I realize […]
About David Partridge
{ David, thank you so much for all of your hard work and making this possible for us. You never gave up and made each situation a good situation. I will continue to speak so highly of you and send more clients your way! On to our new adventure ~Charley & Jordan
About David Partridge
{ David recently handled a mortgage transaction for me. I’ve bought and sold several homes, so the process was not new to me. David provided excellent service. He provided all the information and options I needed to make good decisions. He was always considerate of my time and was very organized in the information required of […]
About David Partridge
{ I could not have asked for a better person than Dave to steward us through the entire process. Adjectives that come to mind are “professional”, “meticulous”, “experienced”, “attentive”, and “gracious”. I have already recommended Dave to my son who is considering the purchase of his first home. ~William M – Richmond, VA
About David Partridge
{ I would whole-heartedly recommend David Partridge. He did my personal refinance in June and it was great. He is truly a FTHB’s dream! I would refer ANYONE to Dave, no matter who. His attention to detail and level of knowledge is CRAZY! ~Alex R – Richmond, VA
About David Partridge
{ I absolutely appreciate the knowledge and explanations about processes, procedure, terms, and the industry that were willingly offered. Dave took the time to explain everything in detail. Most things he explained before I even asked the question. The mortgage insights that I gained definitely put me more at ease during the process and assured me […]
About Bill McHugh
{ The overall experience was exceptional. William V.
About Bill McHugh
{ Great service wonderful to work with. Rosemary S.
About Bill McHugh
{ I am very satisfied with my experience working with Bill and team. Charles M.
About Scott Fournier
{ We have been told for years that we were “close” but still not able to buy a home. We just weren’t hitting the mark, but no one could provide us much direction. Last year we reached out to Scott Fournier by friends who raved about him, and now we know why! We are now sitting […]
About Ross Lehman
{ Great experience with refinancing my house. Ross was amazing and walked me through the entire process. I would highly recommend Integrity Mortgage and Ross for any one that needs to buy a house or refinance! Katy H.
About Bill McHugh
{ From start to finish Bill and the team were very professional and responsive. Overall a very positive experience. Peter A.
About Bill McHugh
{ Bill was a pleasant and responsive professional throughout our buying experience. Jerry G.
About Marlin Beitzel
{ My wife and I had a really pleasant experience working with Marlin and his support team to obtain a mortgage at the most favorable interest rate for our new home. Marlin explained things clearly, carefully talked us through the process, and was supported by a team staff who kept us informed and on track throughout […]
About Marlin Beitzel
{ The team was fantastic about every aspect of my loan from start to finish and everything in the middle. Marlin and team a big thank you. Thomas M.
About David Partridge
{ Dave and Brenda went above and beyond to help us. Both were very punctual, professional and when needed personal. Overall I am beyond satisfied with my experience. Marwan R
About Bill McHugh
{ It is very evident that Bill loves what he does. He spent maximum time answering each and every question my husband and I had as first time home-buyers. He ensured we understood each and every item to the depth that we wanted to (which was in Great detail!) and was extremely response throughout the whole […]
About Bill McHugh
{ Excellent Service, VERY satisfied. Ian B.
About Bill McHugh
{ The level of service that I received from Bill and Amie was excellent. Olivia E.
About Darren Ferlisi
{ I would highly suggest Integrity Home Mortgage for anyone looking to buy a new home. Darren and his whole team were extremely knowledgeable and patient throughout my process. I asked a million questions, sent so many emails/calls, and Darren, Emily, and Lynn always got back to me within a few hours to help answer all […]
About David Partridge
{ Dave was incredibly involved in the process from day one, was super responsive to inquiries and always had our back. Sean S.
About Mike Goode
{ Now that we’re finally moved into our new home, we wanted to send you a special thank you message! The customer service you provided to us was EXCEPTIONAL!!!!!!!! When you sensed an increase in our anxiety about moving, you provided words of comfort, good humor, and reassurance that you were with us every step of […]
About Bill McHugh
{ Bill and Amie were a pleasure to work with and always prompt in providing information and addressing any questions. Eugene B.
About Ron Ross
{ Ron recently helped us with the mortgage process on our new home. He was extremely prompt, professionalism, and knowledgeable as he guided us through the process – even responding while on vacation and checking rates for us every single day! We are so appreciative of his support and excitement alongside us. Thanks Ron! Katelyn G.
About Ross Lehman
{ It was such a pleasure to meet and work with Team Ross. Great people and great at what they do! Sara A.
About Julie Yoder
{ Loved working with Julie at Integrity home mortgage! Extremely knowledgeable and helpful throughout the entire process of purchasing our home. She always knew the right direction to point us and provided us with multiple options to suit our needs. Highly recommend! Jen K.
About Julie Yoder
{ Highly recommended Julie! She is extremely knowledgeable and easy to work with! She was always quick to respond to any questions we had. She helped navigate us through the process and we will always use her for any future home purchase! Jane B.
About Julie Yoder
{ Julie was super helpful and knowledgeable! Would definitely recommend! Robyn S.
About Bill McHugh
{ My overall experience with Bill was amazing. He goes above and beyond to do anything for his clients to close on their home. For that I am grateful my husband and I got to work with him. Chelesy S.
About Bill McHugh
{ My role as cosigner was not as involved, however, the process was very smooth and easy to complete. Christina B.
About Bill McHugh
{ I am very satisfied, with my experience with Bill. Erin W.
About Ross Lehman
{ Very thankful for Ross, and his team throughout my loan process to purchase my new home. They were all very nice, and walked me through the process. Stefany M.
About Bill McHugh
{ I have heard plenty of times about how daunting buying a house can be, but our experience was the complete opposite! Very smooth and easy going, I’m sure it has everything to do with Bill and his team! Rebecca D.
About Bill McHugh
{ We very much enjoyed working with Bill. He was always very responsive to our questions and took the time to guide us through each step of the loan process. Brian P.
About Bill McHugh
{ The experience working with Bill was smooth and easy! Katrina F.
About Bill McHugh
{ I was very satisfied with my experience working with Bill Megan F.
About Dave Spencer
{ We absolutely LOVED working with Dave! He treated us like members of his family and took care of us every step of the way! Courtney C.
About Bill McHugh
{ It was a easy going experience any questions I had, Bill had the answer and made the purchase of our first home as easy as possible. Dustin M.
About Bill McHugh
{ Bill was excellent! Extremely knowledgeable, readily available for my questions and extremely supportive throughout the entire process. I will highly recommend Bill’s services to my daughter and I will return to refinance. Thank You again. Patricia P.
About William Hendricks
{ This is my second time working with William and his team, and I am impressed yet again. The attention to detail and preparation on what’s to come and knowledge across the board from years of experience show in the care you get during your home buying process. William will get you what you need and […]
About Ross Lehman
{ I’ve used Ross several times with my mortgages and for refinancing. He’s very knowledgeable and easy to work with. ~Mike S.
About Dave Couk
{ Dave was wonderful throughout the process of getting us approved for our mortgage. He was very communicative, and kept me informed throughout the process. Our situation was very unique and complicated, and we really lost hope that we would be able to secure our mortgage approval. However, Dave worked tirelessly to make it happen—and we […]
About Bill McHugh
{ Bill was very knowledgeable and very professional. Answered my questions and kept me aware of figures and facts at all times. George F.
About Bill McHugh
{ Bill made the process very easy and I can’t stress enough the valuable help Bill provided to us.” Judith M.
About Byron Reed
{ Ours was an odd situation that required a lot of hand holding to get it through the loan process. You & your team were the absolute best! Never once were we made to feel uncomfortable, an inconvenience or a problem in any way. The entire staff was professional, positive and supportive in every aspect of […]
About Byron Reed
{ My husband and I have had the wonderful pleasure of working with you and your team for years. We were able to buy our first home that we lived in for 16 years. We worked together for a year to get there. You were there every step of the way and always with answers to […]
About Byron Reed
{ Was an amazing experience with smooth transaction! Honest and caring team, will use again! Travis J.
About Byron Reed
{ I can’t say enough good things about Byron and his team (Nathan and Shawn). By far they are the most knowledgeable in the area. I went through FIVE lenders and when we got to a certain point in the process, there were issues. Byron and his team understand the complexities of various tax returns including […]
About Bill McHugh
{ We had to switch horses in the middle of the stream in order to make this transaction happen. Much to our relief, Bill and his Team made it happen without any strain whatsoever. Patrick H.
About Bill McHugh
{ The whole process was made very easy and every step of the way went smooth. I always felt like I was in great hands and everything was explained well! I am very happy with the people I was able to meet and work with through the home buying process. We love our new home! Charles […]
About Bill McHugh
{ Easiest mortgage process I have ever been through. Elliot M.
About Bill McHugh
{ Bill provided an excellent level of service. Jeffrey W.
About William Hendricks
{ If we could give William and his team 10 stars +, we would. We’re not new homeowners and understand that the process with home buying can be time consuming, well at least that’s what we thought. We’ve never experienced a lender and mortgage professional with a process that was extremely seamless. William allowed us to […]
About Bill McHugh
{ Bill and his team made the whole process easy to walk through and provided encouragement and help all the way. They were prompt in addressing concerns/questions and made us feel valued throughout. Barbara H.
About Bill McHugh
{ Bill and his team provided excellent service and I was very satisfied with the overall experience. Aditya M.
About Bill McHugh
{ We are so grateful and excited to start next chapter in our lives in our very first home. This would not have been possible without the help from Bill. We set out to buy our first home within a narrow time frame and we achieved that because Bill answered emails and all our questions expeditiously. […]
About Bill McHugh
{ Bill has been very responsive when I had tons of questions and provided necessary support throughout the process. Gnoemiwoe A.
About Bill McHugh
{ Bill was wonderful to work with! He is very knowledgeable and made sure that we got the loan that suited our needs best. He explained each document in ways that were easy to understand which made us feel at ease with the whole process. We would recommend him to anyone! Martin B.
About Bill McHugh
{ Bill was absolutely amazing. He went above and beyond every single step of the way. Thanks for helping my dream come true! Mary B.
About Bill McHugh
{ Bill and his staff were quick to answer any and all questions that I had. This allowed for a quick and timely settlement! Travis S.
About Bill McHugh
{ Bill and his team made the home buying experience easy and stress free. They were with us every step of the way. ~Rachel H.
About Bill McHugh
{ Bill did an excellent job with all the information needed to obtain our loan. ~Dorothy M.
About Bill McHugh
{ “It was an enjoyable experience working with Bill!” John B.
About Bill McHugh
{ “Being first-time homebuyers, Bill McHugh went above and beyond our expectations. He was attentive to details and so quick to respond no matter when we reached out! Bill made our whole process easy!” Sarah T.
About Bill McHugh
{ “Bill and team were so helpful and made the process of buying my first home so easy!” Christine F.
About Bill McHugh
{ “We were very satisfied with our overall experience. The process was made to be so very simple and easy to follow. IF we had any questions, they were answered right away. Highly recommend!” Alexhandra H.
About Bill McHugh
{ “I can’t thank Bill enough for everything. I enjoyed working with Bill and especially appreciate his support and quick responses…great communication! Bill was so helpful as I went through this tough process.” Susan C.
About Bill McHugh
{ “It was a great experience working with Bill!” Benson Y.
About Byron Reed
{ Fantastic experience with Byron and Shawn – 5/5 stars! The process was smooth, communication was clear, and they answered our questions every step of the way. Professional and personable! Highly recommend! Emily S.
About Bill McHugh
{ I received excellent service working with Bill. Jonathan S.
About Bill McHugh
{ Bill was very helpful and was quick with his responses to my questions. Joey H.
About Bill McHugh
{ I really appreciated everything Bill and team have done to make things go smoothly!! Sabrina C.
About Bill McHugh
{ Bill and team were awesome in my process. They all were patient, kind and willing to help. Bridget E.
About Bill McHugh
{ I was very satisfied with my experience working with Bill! Robert A.
About Bill McHugh
{ My home-buying experience was smooth and stress-free. Bill McHugh communicated clearly every step of the way and made the process easy to understand. I highly recommend them! Carrie J.
About Bill McHugh
{ Thank you I appreciated the way you work and your team because I am very happy me and my family with this opportunity. Frank M.
About Bill McHugh
{ Knowledgeable, supportive, great communication skills along with a superb kind manner. Camille S.
About Bill McHugh
{ Bill is very professional and very good at what he does. Eldon, B.
About Bill McHugh
{ I am very satisfied working with Bill. Sean A.
About Bill McHugh
{ Bill was very helpful and knowledgeable throughout the process. Leanne K.
About Bill McHugh
{ Bill was very responsive to our questions. He kept us informed about process through settlement. Caroline O.
About Bill McHugh
{ Bill provided excellent service. Elizabeth N.
About Bill McHugh
{ From the first day, I was impressed with how professionally everything was handled. Communication was prompt and each step of the process was explained to me. Great team! Sharon D.
About Bill McHugh
{ Bill was very easy to work with, engages and kept us updated throughout the entire process.” David L.
About David Partridge
{ My wife and I worked with Dave and Ms Brenda and they did an awesome job, they answered every question, they scheduled meetings with us, they stayed in contact and helped us through the entire process and we had a great experience. Davonne B.
About Dylan Sipe
{ Working with Dylan Sipe was an absolute pleasure. Professional, knowledgeable, and incredibly efficient, this was by far the easiest home loan I’ve ever processed. Every step was smooth and stress free. Joanthony c.
About Julie Yoder
{ Julie Yoder is the best. She worked hard. She always kept us in the loop either by text, phone calls, and emails. She was patience with us, and professional, and straight to the point. She comes highly recommended. Larry G.
About Tammy Bullard
{ It was a blessing to have Tammy working with us through the process! Excellent communication and we always knew she had our best interest at hand. Donna H.
About Dave Couk
{ Amazing people to work with. They held mine and my husband’s hand through absolutely everything. I am so thankful for them. Katelyn D.
About Bill McHugh
{ From the very beginning, Bill made the process smooth, transparent, and stress-free. Bill was always available to answer questions, explain details clearly, and guide me through each step with patience and professionalism. The dedication, expertise, and customer-first approach gave me complete confidence and peace of mind. I would highly recommend Bill and his team to […]
About Bill McHugh
{ The experience of working with Bill was outstanding! Edwin M.
About Bill McHugh
{ Bill was great to work with and kept us informed of next steps! Hayward H.
About Bill McHugh
{ Bill’s service was exceptional! He was responsive and communicated proactively. Kenneth D.
{ This is my second experience with Byron Reed. They are the best team. And they follow up very quickly! Amandeep K.
{ Dave Couk is the most professional, knowledgeable, personable, and “can do” mortgage fellow I’ve come across over 40 years and four homes. Dave made the process as easy and transparent as possible and provided great support through the stress of multiple closing delays caused by a foot-dragging power company, mother nature, and crotchety inspectors. Dave […]
{ The only reason Bill doesn’t have more amazing reviews is because he is incredibly humble! We cannot thank Bill and his team enough for their efforts to help us become homeowners. Our case was very complicated (in our eyes), but Bill had it all under control from start to finish. Bill went above and beyond […]
{ Dave and the Integrity team worked tirelessly to navigate me through the mortgage financing process quickly and efficiently to help me meet a very tight timeline and avoid some very negative outcomes. He and the others involved in this effort were extremely professional and responsive while maintaining a determined “can do” attitude that was very […]
About Bill McHugh
{ Bill provides excellent service! Carolyn L.
About Bill McHugh
{ Working with Bill was a great experience. Bill made the whole process very easy to understand. Excellent communication! David M.
About Bill McHugh
{ I am very satisfied with my experience working with Bill! Blanford R.
About William Hendricks
{ William and his team, are extraordinarily kind, knowledgeable, helpful and honest. Cannot recommend them highly enough! ~Fares E.
About William Hendricks
{ I am very pleased with the experience I have had with Integrity Home Mortgage Corp. William and Angela and the whole team were most helpful in every aspect of the purchase of my home and were there every step of the way. What a great team to work with during my home buying experience start […]
About Scott Fournier
{ Scott exemplifies the rare combination of consummate professional and empathetic advisor. Supremely expert on all aspects of home financing and the real estate market in general, he guided us through the complicated, potentially intimidating mortgage process with clarity, grace, and patience, alerting us to possible pitfalls, presenting a range of options, and instilling confidence at […]
About Dave Couk
{ Dave Couk is the ultimate mortgage professional. I’ve closed with him three times an each and every time he takes the time to ensure I understand the process, oversees everything and stays on top of it all. With his help we’ve been ready to cross the finish line days before the closing date. ~Warrenton, VA
About Scott Fournier
{ I recently worked with Scott Fournier at Integrity Home Mortgage for my home purchase in Strasburg, VA, and I cannot recommend him highly enough. I was extremely impressed with Scott’s professionalism and expertise throughout the entire mortgage process. Scott demonstrated exceptional knowledge of the lending process and took the time to explain every step clearly. […]
About Scott Fournier
{ I cannot say enough what a positive and wonderful experience my husband and I had working with Scott. He expertly guided us through the process of buying our first home and we are incredibly grateful. If you want somebody who has your back, genuinely cares, and goes above and beyond – that person is Scott! […]
About William Hendricks
{ We used William and his team for our refinancing journey, and because of them, it was a breeze. They were knowledgeable, patient, and communicative, and we could not have asked for a better experience. Shout out to Angela for all her help! ~Emily A.
About William Hendricks
{ I was so blessed to have been introduced Integrity . Everyone was so kind from start to finish and stayed in touch daily through the step by step process. Everyone there was so involved and was very pleasant from the office staff to the title company they were there and made the process easier and […]
About Scott Fournier
{ Scott was a true blessing from our first conversation to the closing. Patience and kindness were present and abundant in every exchange! He made a daunting challenge near effortless and was so supportive. He guided us through when would be the best time to make changes and was available to us at all times. ~JAN […]
About William Hendricks
{ Very professional team! Excellent customer service! Team Hendricks is the best! They are very organized, prompt, knowledgeable, friendly, kind, understanding, reliable, and helpful. Honestly, I cannot say enough great things about this team. They managed every step of the process and made it easy for me! William and his team are true gems! If you […]
About William Hendricks
{ We used William and his team for our refinancing journey, and because of them, it was a breeze. They were knowledgeable, patient, and communicative, and we could not have asked for a better experience. Shout out to Angela for all her help! ~Emily A
About Dave Couk
{ Dave is so knowledgeable about everything related to buying a home. He made what’s usually a stressful, complex process simple to understand. He advised us on things like buying down our rate and helped us understand the VA loan. He also hustled to grant us our request to move our closing date five days sooner. […]
About Bill McHugh
{ Everything went so smoothly! Bill was always available answer questions and kept us informed throughout the process! Outstanding!!! ~Anne W.
About Bill McHugh
{ Bill answered every question I had and made sure that I understood every aspect of home buying. ~Erin N.
About Bill McHugh
{ Bill was easy to work with and very responsive, even outside normal business hours/days. ~Angelo
About Dave Couk
{ Dave was an exceptional help and an extremely knowledgeable lender to work with! My husband and I just bought our first home, and Dave helped explain all the information to us every step of the process. Not only was he quick with responding, he took time to get on a Zoom call with us to […]
All about Dave
{ As a first time home buyer it has been a pleasure working with Dave, he has helped ease all of our fears by going above and beyond with taking time to show us a PowerPoint on a zoom call of expenses. Dave also fought to get our interest and monthly as low as possible which […]
About Bill McHugh
{ Bill was very easy to deal with. He kept us well informed each step. ~Jeffrey M.
About Bill McHugh
{ The whole process from start to finish was very easy. ~Troy T.
About Byron Reed
{ Byron, Mike and the rest of the team were outstanding throughout the entire process of buying our home, always prompt in communication and quick to answer any questions we had. I’m glad we chose Integrity Mortgage and would highly recommend them to anyone. ~Jason C
About Dave Couk
{ This is our second time working with Dave, and we are just as happy this time as we were the last time. He is so patient with all of our questions, and he is incredibly responsive any time we reach out. Davie is always willing to jump on a call to brainstorm, explain, or troubleshoot. […]
About Dave Couk
{ This was the 2nd time using David and his team . We have had nothing but exceptional experience with them. They are very personable, friendly, helpful and knowledgeable. Very dependable and there any time you have a Question. Top notch in my book. ~Larry S.
About Dave Couk
{ This is our first time using Dave to finance our property in the Northern Neck of Virginia. Dave was a great support to us. We had to close in 30 days and accordingly, it was a tight timeline to accomplish all of the necessary tasks to meet the deadline. Dave not only processed our application […]
About Dave Couk
{ As a first time homebuyer, I naturally did not know much about the process required to buy a house. I started reaching out to people for guidance and found Dave. He met with me via Zoom and talked me through the process for hours. I can confidently say I know a lot more now than […]
About Byron Reed
{ We had an amazing experience with Integrity Home from start to finish. Their entire loan team was professional, responsive, and genuinely cared about helping us get the best loan possible. They made what could have been a stressful process feel smooth and easy, always taking the time to answer our questions and keep us updated […]
About Byron Reed
{ They were so kind, knowledgeable and We felt comfortable in there hands. Bryon and Mike were the best! I will recommend them , no problem. ~Kathleen M
About Byron Reed
{ Byron and team were incredible!! ~Bill S
About Byron Reed
{ Thankful for Byron and his team for helping us with the process. ~Willie B
About Byron Reed
{ Byron and the team were amazing. Highly recommend. ~Anthony G.
About Byron Reed
{ Byron went above and beyond for my family to get our first house! We can not thank him and his team enough! ~Brittany B
About Byron Reed
{ Byron and his team were amazing to deal with. Nathan Beard is a Rock Star!!! ~Doug D.
About Byron Reed
{ We had a such a pleasure working with Byron Reed and the team. Would highly recommend! ~Whitney F.
About Byron Reed
{ The Byron Reed Team made the entire home loan process smooth, stress-free, and easy to understand from start to finish. Everyone was responsive, knowledgeable, and truly cared about helping us through every step. Highly recommend to anyone looking for a team that goes above and beyond. ~Cait M.
About Byron Reed
{ As a Realtor, having a dependable lender makes all the difference, and Byron Reed, Integrity Mortgage is wonderful to work with. They communicate well, stay on top of every detail, and help keep transactions moving smoothly all the way to closing. My clients are always well taken care of, and I truly appreciate their professionalism […]
About Ross Lehman
{ I worked with Ross at Integrity Home Mortgage, and would highly recommend him to anyone looking into purchasing their first home. Ross took the time to sit down with my wife and I and go through all of the information that goes into a mortgage, explaining each piece as we went. He and his team […]
About Byron Reed
{ Oh my where to start! Buying a home is no joke. With that said “The Byron Reed Team” made it possible for me to buy my first home. Thank you so much. They explained everything to me and helped me get through all the red tape. I cannot be more grateful to them for all […]
About Byron Reed
{ I cannot say enough how grateful I am for Byron and his entire team. For the past few years they have helped me get my credit right and everything in order to purchase my first home. I officially close on my first home next week!! and they made this process so easy and stress free. […]
About Bil
{ I was very satisfied working with Bill! ~Lora S.
About Bill McHugh
{ Excellent work, Bill guided us through the process with no problems at all. ~Anton B.
About Byron Reed
{ I would give them more stars if I could. I will have to say they raised the bar high for other mortgage companies. First of all they actually answer the phone when you call, they do not have an automated system that wants you to press buttons to get where you want to be. They […]
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Below is a collection of articles and resources brought to you by our lending professionals to keep you informed.
What’s Happening in the Mortgage Market This June?
What’s Happening in the Mortgage Market This June? Beyond the AMI Increases — What Homebuyers Should Know About the Fed, Rates & Housing Market Trends June is shaping up to be an important month for the mortgage industry. While much of the attention has been...
Mortgage Insurance Is Tax Deductible Again in 2026: What Homeowners Need to Know
Mortgage Insurance Tax Deduction Returns in 2026 Good news for homeowners and future homebuyers: mortgage insurance deduction 2026. Mortgage insurance — commonly known as PMI (Private Mortgage Insurance) for conventional loans — has historically been deductible in...
Why Mortgage Pre-Approval Matters Before the Spring Market
Why Getting Pre-Approved Before the Spring Housing Market Is Critical in 2026 Every year the spring housing market brings increased activity, more listings, and a surge of buyers looking to purchase a home before summer. If you are planning to buy this year, one of...
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