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Heather Nipper

Heather Nipper

Mortgage Loan Officer
NMLS# 224565
Serving Blacksburg

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I am so excited to have become a new member of the fantastic team at Bank of the James Mortgage!  I have joined a culture that is transparent and dedicated, and this culture directly reflects how we handle our clients.  My name is Heather Nipper and I am expanding our services into the New River Valley.   Having graduated from Ft. Chiswell High School and Radford University with a specialization in Finance, I am very familiar with the region and I look forward to concentrating my efforts from Wythe to Montgomery County, and beyond!  

I have worked in the New River Valley for 15 years managing all aspects of Consumer, Mortgage, Auto, and Retail lending.  I fully understand that the mortgage process can be overwhelming, but we are here to give you peace of mind through the process with expertise and efficiency, making either building, refinancing, or purchasing a home, a wonderful and exciting experience.    I, along with the Bank of the James Mortgage team, would be elated to help turn these dreams into reality.   

I have a love of meeting new people and developing new relationships, truly getting to know them - who they are and where their interests lie, and inviting them to get to know me. My first love is my family - my husband, Jason, of 15 years and our precious children, Jonah and Gianna.  We all love traveling together and have a love for the outdoors.    My family works together assisting the worship experience at our local church and we are also very much involved in community outreach in Southeast Virginia.   We love building up others and serving and it would be my honor to serve you! 

Blacksburg Office
540-616-6901 mobile

Email Heather

NMLS# 224565


  • As an investor I can tell you that Heather and The Bank of The James offers more than any other bank out there. This is my fifth loan with them just this year and as usual, everything is smooth as silk. I recommend them to other investors and to home buyers. As a realtor, Heather makes my transactions easier by keeping me up to date on a daily basis regarding appraisals and other little details. Heather's personality, patience and professionalism are unmatched. I consider her a part of my family. -Tad P.

  • Heather Nipper was truly a blessing to us as we went through the process of buying our new home. She was very knowledgeable, kind, considerate and went out of her way to make things possible for. She also stayed in close contact with us either by phone, email or text messaging us. She also made sure we understood everything by explaining things and answering everyone of our questions. She was very prompt in getting back to us if we called, emailed or texted. The very first time we met her we knew she was our person we wanted to work with. Heather is very honest and hardworking, you all are very blessed to have an employee that cares so much about the people and her job. We highly recommend her to everyone. We’re so glad we worked with her!! -Keith and Tina T.