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Banking in Blacksburg

Mortgages in Blacksburg

Whether you’re buying or building your first home, refinancing your current mortgage or investing in a second home or investment property, Bank of the James Mortgage has the right loan for you.  Offering a variety of mortgage options, our Bank of the James Mortgage Loan Officers will help you find the right loan, answer your questions and make sure you go from application to approval as smoothly as possible.  Our team can provide you with quick and efficient service, local decision making, competitive rates and a variety of mortgage options.   Please contact our Blacksburg Office for rates and products.  We are available to meet with you at any Bank of the James office, at your home or office and at your convenience.   

Loans are processed, approved, underwritten and closed locally.  Loans are subject to underwriting and credit approval. 

Hours:
Monday- Friday 9-5

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Contact Us

Bank of the James Mortgage New River Valley

Blacksburg Branch

Office: 540-953-7023
Cell: 540-616-6901

2001 S Main St. 
Blacksburg, VA 24060, USA Suite 107

What Our Customers Are Saying

Michelle Thomas
Michelle Thomas
00:28 31 Aug 18
Jennifer is amazing! She made our refinance a walk in the park. Always available for us and quick to answer our questions, she was transparent and helpful. I trust her completely and highly recommend her services!
Andrea Schindler
Andrea Schindler
17:17 28 Aug 19
Jennifer Holdaway was amazing to work with! She was very professional and flexible with her schedule. She went above and beyond to meet our needs by getting us the best home loan for our family. I would recommend her & the Bank of The James Mortgage to anyone looking to purchase a home in the NRV.
Haze 2EZ
Haze 2EZ
12:37 28 Aug 19
Working with Jennifer Holdaway at the Bank of James was a wonderful experience. She was knowledgeable and very available for both small and large questions. I highly recommend Jennifer Holdaway and the Bank of James!
Renee Hidalgo
Renee Hidalgo
12:35 28 Aug 19
My husband and I recently purchased a house, and our mortgage loan officer was Jennifer Holdaway. From the start, we knew that she cared about us and that she had our best interest at heart. After our first meeting with her, we didn't even shop around for rates at all, because we liked Jennifer so much. She was not at all pushy and made sure that we were comfortable with every step and aware of anything that we needed to do. I can't thank her enough for helping us become first time homeowners, and I highly recommend her to anyone looking into buy a home!!!
Sara Sumner
Sara Sumner
21:31 19 Oct 19
I are very pleased with the process that Jennifer walked us through. I felt like I was always center of attention. She made me feel that our loan process was her goal along side of ours. She's a determined and super kind individual. I highly recommend her!
Tasha Eaton
Tasha Eaton
16:55 06 Sep 19
Jennifer Holdaway is top-notch. You really could not ask for more from a mortgage rep. She is persistent, driven, and customer-focused. I would highly recommend her for any home financing needs!
Ben Creger
Ben Creger
15:50 18 Oct 19
Heather Nipper was super easy to work with and was very passionate about getting me pre-approved for the loan amount I needed for the home I wanted. She was very knowledgable and always kept me in the loop throughout the entire process. Will be recommending her to anyone who asks me about purchasing a home in the future!
Jake Tidwell
Jake Tidwell
14:56 24 Sep 19
Facing a home refinance seemed so daunting and overwhelming ... until I spoke with Jennifer Holdaway. Jennifer is an incredible professional -- she is client-focused and business savvy -- but she makes complicated concepts more approachable, as well as truly cares (a rarity in the world of banking). She led me through my refinance (which, due to outside circumstances / no fault of the Bank of the James, was overly complicated), answering my numerous questions and ensuring I felt comfortable at every step along the way. Even apart from the great rate Jennifer was able to get me, to say I am pleased with the service I received would be an understatement. If you're looking to purchase or refinance your home, I could not recommend Jennifer Holdaway more! Thank you Jennifer and Bank of the James - New River Valley!
Bethany Creger
Bethany Creger
21:33 22 Oct 19
I am a local realtor. I just had the pleasure of working with Jennifer Holdaway for the first time. I met Jennifer a few months ago and spoke to her several times since then. I could see that she is passionate about her career as a lender at Bank of the James. I knew that she would treat her clients great and be available to them as much as possible. My client was in a unique situation where she needed to close on her house soon. She spoke with Jennifer and immediately notified me that she wanted to work with her. As I expected, Jennifer was always available for texts, calls and emails. She answered all of our questions promptly which made the process very pleasant. More Importantly, Jennifer was able to close a VA loan in just 23 days! That’s a record for me! Awesome job Jennifer!Chad Eversole RE/MAX 8
Chad Eversole
Chad Eversole
02:11 09 Nov 19
Jennifer Holdaway is nothing short of amazing. When I found the house I wanted to buy I needed everything to go very quickly. I emailed four different lenders on Columbus Day, a normal bank holiday, and Jennifer was the first one of only two that even replied. What makes it more amazing was that she was off of work and caring for a sick friend. Within three email exchanges I knew she was going to be my lender. She replied quickly with all the information I needed every single time-day 1 to closing. She had every bit of information that I needed, answered every question that I had, and really put the work in to make sure that this entire process, contract to closing, was quick and smooth. The very best thing was that I walked away with a new friend, not just a face and a name, and she was just as excited as me!!! With a record 24 day closing, you will not find another person who is more willing to work hard for you! Seriously, let me save you all the legwork...just pick Jennifer Holdaway!!! Thank you, so, so much!!!
Danielle Burrows
Danielle Burrows
08:43 12 Nov 19
Would absolutely recommend Heather Nipper as A Mortgage Lender to anyone! She was a great Help throughout our Home Buying Experience. The reason for 4 Stars is because We had to ask a couple questions repeatedly until She called & explained What She was trying to tell Us. Thanks again BTJ for Everything!
Jamie&Debra
Jamie&Debra
20:58 14 Nov 19
We bought our house a year ago, and it was time to refinance. There was no question - Heather was the best person to go to! We refinanced and saved a lot, and the whole process was simple and straightforward from start to finish. Heather is wonderful - by all means, if you're buying or refinancing, call Bank of the James!
Kenneth Reid
Kenneth Reid
01:58 04 Dec 19
Heather made my refinance a breeze! We got a great rate and made a new friend. Highly recommend Bank of the James!
Von Nester
Von Nester
01:15 03 Jan 20
Such a wonderful refinancing process with Heather and Bank Of The James!! I had no idea it would be so EASY and stress free. She was thorough and presented several options to maximize our monthly savings. She was great at keeping us informed every step of the way and we were at the closing table before we knew it! Heather treats her clients like family while also being a top notch mortgage professional.
Alma Fore
Alma Fore
19:02 06 Jan 20
Heather Nipper did an absolutely fantastic job handling my new home purchase she answered any and all questions and I would highly recommend her for any service you may need.
Austin Emerson
Austin Emerson
22:03 22 Jan 20
One of the best experience we had through out a stressful time of buying and selling. Jennifer was a great resource, very professional and increadibly accommodating! We will recommend to everyone we know!
Laila Kirkpatrick
Laila Kirkpatrick
02:11 05 Feb 20
Mortgage process was a breeze with the help of Heather Nipper and her team. She was on top of everything and keeping me updated at all times about our loan, closing, etc. Answered all our questions and concerns in timely manner. Helped us navigate through VA loan and all the requirements, documentation, etc. She really worked hard to get it done. I cannot recommend them enough!
Violeta Duggan
Violeta Duggan
00:00 19 Feb 20
Heather was AMAZING to work with! She kept us informed every step of the way and even sent messages after we bought our home to check in on us. When going through the mortgage process there are so many questions and concerns and Heather put our minds at ease through the entire process. If you are looking to buy a home I highly recommend Heather Nipper and Bank of the James.
Kindra Stoots
Kindra Stoots
02:10 14 Mar 20
I was very pleased with my experience with Bank of the James during the purchase of my home. My mortgage agent, Heather was very professional and honest to work with. She was enthusiastic to answer all my questions. I highly recommend Bank of the James for anyone shopping for a home mortgage.
Steven Dickerson
Steven Dickerson
14:43 16 Mar 20
Working with Heather was an absolute joy! She is so invested & motivated in helping her clients get into their dream homes & does such an amazing job at explaining things & letting you know what is happening at all times. Heather’s Communication is OUTSTANDING! We truly couldn’t have ended up in our dream home without her hard work & dedication! Thank you Heather!
Daniel Cooper
Daniel Cooper
14:40 08 Apr 20
From the beginning of the process, to the very end when we closed on our home, Bank of James was so wonderful and helpful. They provided us with information every time we asked, kept us in the loop, and we never felt like we were hanging on without reason. We were even able to close earlier than expected, because Bank of James got everything submitted within a great time frame. I would definitely recommend them!! Super friendly
Kayla Crissman
Kayla Crissman
18:27 14 Apr 20
Our experience with Bank of James and specifically Heather Nipper was incredible! She was so knowledgeable, looked at our needs from every aspect, and problem solved flawlessly. She responded to every question, worry, or thought that we had throughout the entire process within minutes, and above all, was so supportive and kind. No question was silly, and she took all the time we needed to talk through options. We could not have bought our new home without her!! I would recommend her to anyone!
Lacey Pickett
Lacey Pickett
14:57 05 May 20
Heather Nipper was the best. Her and her team worked day and night to get our house to close as quick as possible and to get us the best interest rate. Anytime I had questions she was fast to respond with and answer.
reborns for life
reborns for life
22:09 08 May 20
Heather Nipper made the whole experience quick and as easy as you could expect to buy a house! 10/10 would recommend and will definitely be back in the future. She truly went above in beyond quick response time always kept me updated with exactly what was going on!
Jason Grubb
Jason Grubb
14:33 21 May 20
As a first time home buyer I can honestly say working with Jennifer Holdaway through Bank of the James to buy my first home was an awesome experience. She kept me up to date on all of the information that I needed and consistently answered any questions I had (and trust me I had A LOT) quickly and clearly. She explained the loan process and helped me get everything I needed to close with no money down. She helped me get a great interest rate as well. I just showed up, signed papers, and got my key. Buying a home can be scary and she eased my stress with her confidence and knowledge of the loan process. I highly recommend getting in contact with her if you are considering buying a house because she will make you feel very comfortable and prepared!
Harley Brewer
Harley Brewer
12:53 08 Jun 20
Jennifer was incredibly professional, helpful, informative and worked incredibly hard to get us preapproved for a loan for the home of our dreams! She helped us complete numerous steps of complicated paperwork with ease! Thank you!
Catherine Christensen
Catherine Christensen
12:51 23 Jun 20
We bought a home in an area we were wholly unfamiliar with. Heather Nipper was highly recommended by our realtor when we asked about a lender. Heather made this the smoothest real estate transaction we have had to date. She is always pleasant and more than prompt with any communication. A great lender is a key asset in building your portfolio and/or future refinancing. Heather is one of them. Highly recommended.
Dustin B
Dustin B
18:55 08 Jul 20
I was referred to Heather at Bank of James to get Pre-approved for a mortgage by my realtor. I was approved within hours, which was incredible because I was moving 4 states away and had a deadline to purchase a home. I couldn’t have asked for a more efficient and organized team to handle, not only the loan for my new home, but also have everything in line for the transfer of title, money etc. for the closing of my old house and new house ON THE SAME DAY!! Heather is incredible at her job and am so thankful that I had her to make this new adventure so easy for me! I would work or refer Bank of James a million times if I could!! Also super friendly and kind to work with!(:
Shannon Wallace
Shannon Wallace
20:39 28 Jul 20
Jennifer Holdaway, at Bank of the James. was absolutely amazing. As my first time going through the home buying process, she was available at all hours to answer any questions that I had. She was extremely helpful and made the process very easy. I would very strongly recommend her to anyone going through the home buying process.
Lena Rutzinski
Lena Rutzinski
00:37 07 Aug 20
I am a local Insurance Advisor in the Blacksburg and Salem area. I am so happy to have been introduced to Jennifer Holdaway at Bank of the James. Over time we have created a wonderful working partnership as well as personal relationship. She is amazing to work with! She offers impeccable customer service all the while maintaining professionalism. I would highly recommend her to anyone in need of mortgage services, whether your are buying a home for the first time or refinancing the home you already own.
Molly Rogers
Molly Rogers
16:21 14 Sep 20
Heaather and her team are awesome! Even during a pandemic, they made my purchase of a new home as seamless as possible. I would highly recommend Heather and her team for your home buying needs and I would certainly use their services again. Great job!
Francene Jenkins
Francene Jenkins
15:57 21 Sep 20
Words cannot adequately describe how impressed I was with Heather and the Bank of the James throughout my process. Albert Einstein once said "Do not try to become a person of success but try to become a person of value." Fortunately for the Bank of the James, Heather has become both. She should be considered an invaluable employee with you. She went above and beyond what any person would do. Not once was I uninformed or did a situation arise that Heather was not already handling before I ever knew it. I have never experienced customer service in the way she provided it. Without a doubt she could teach on how to provide exceptional service to clients of the Bank of James. As I said at the beginning of this review, words cannot be pieced together in a way that best suits my experience! WELL DONE!!
Kevin Viars
Kevin Viars
20:13 25 Sep 20
Jennifer was amazing to work with! I felt informed and included every step of the way.Jennifer truly goes above and beyond for her clients and recommend her to anyone buying a house!
Melanie David
Melanie David
13:55 26 Sep 20
Jennifer made our home buying experience painless and easy. She was available to answer questions and assist with our needs at any time. We strongly recommend Jennifer to anyone looking for mortgage financing!
Nicole Crowder
Nicole Crowder
11:55 26 Sep 20
Heather has been an exceptional banker to work with. She makes the process so simple. Her personality is upbeat, friendly, and professional. She goes beyond the average banker - I have enough experience to know!! lol. She even ended up being the one to handle the buyer's loan for the person that bought my home too!!! They had issues and Heather saved the day! Everyone won!! I can't say enough about her. If you are in the market for a loan - do yourself a favor and see Heather, you will not regret it.
V Goad
V Goad
01:23 06 Oct 20
Heather Nipper was extremely helpful during the whole loan process. She was very informative with all that was going on. She was responsive to all of our questions and phone calls/emails. I would highly recommend and use in the future if needed.
Amy Lane
Amy Lane
01:59 06 Oct 20
We've used Heather from Bank of the James twice, and each time, Heather has been amazing! The last time we closed out of town, and everyone here said "She won't be able to get it closed that fast." She did, and she had all of the answers, solved every issue and was always friendly and easy to work with. We can't recommend her highly enough!
Kenneth Reid
Kenneth Reid
17:04 05 Oct 20
I have just had the most wonderful experience with Heather Nipper at Bank of the James. She not only helped our clients with every little step, even when on her own vacation, her communication with me was exemplary. If I could clone Heather and put her on the other end of every deal I do I would. She was nothing short of amazing!
Katie James
Katie James
12:41 12 Oct 20
Deciding to buy a home my wife and I knew absolutely nothing about it. A few people recommend Jennifer Holdaway at the Bank of the James, so we gave her a call. We had a ton of questions, which she happily answered, and in a way that was easy to understand. So we filled out an application and went for it. In a few hours we knew what we could afford and roughly what the payments would be depending on how much we spent. This was all at like 9:30 pm. Most people quit at 5, not Jennifer. Didn't matter what time of day, she answered our emails and texts. Anyway it took roughly 60 days to find a home and close, and she explained every step, every process, the entire time. I would highly recommend her at The Bank of the James. We are so grateful for all her help and everything she's done.
Adam Anderson
Adam Anderson
20:23 12 Oct 20
I've used my credit union for mortgages in the past. But, a trusted friend recommended Heather Nipper at Bank of the James, so we went with her this time around. And, I am so glad we did! Heather is THE BEST! She made the whole process easy. She looked out for our interests and responds basically instantly anytime you have a question. If you want great service and a professional approach, give them a shout. You'll be glad you did.
Trevor Stewart
Trevor Stewart
20:43 16 Oct 20