Tammy L Wilt

Sr Mortgage Banker

NMLS #195702, Licensed in VA

(434) 242-0046 tammywilt@grayfoxmortgage.com

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Here for Every Step, Every Question, Every Win.

My Story

Since 2000, I’ve helped 1,200+ families close on their dream homes with no plans on slowing down any time soon. As a 30-year veteran of the finance industry, I’m happy to serve all kinds of borrowers across Virginia. Whether you’re looking for a first-time buyer program or need down payment assistance options, my team can help!

I genuinely enjoy helping clients understand the mortgage process. I’ll work side-by-side with you to choose the loan that best suits your unique needs. My goal with every client is to take what could be a stressful process and turn it into something manageable, smooth, and transparent at all stages.

A relationship with me means changes to the market environment are never something to lose stress over. We’ll work together to ensure your financial goals are, not only on track, but met. In my free time, I like to stay active as a member of the Charlottesville Area Association of REALTORS® (CAAR) – serving on the board for six years, most recently as the Foundation’s Chair. Additionally, I’m an active member of the Women’s Council of REALTORS® and a frequent volunteer at the Virginia Wildlife Center. Outside of this world I love so much, I run, bike, hike, read, do puzzles, and spend as much time as possible with family and friends.

How Much Can I Afford?

Navigating the housing market starts with understanding your budget. Start your journey with confidence using our tailored mortgage calculator.

Guiding You Home, Every Step of the Way

Our Process: Clear, Transparent, Simple

1 - Pre-qualification

Pre-qualification is the first step in the mortgage application process. By evaluating your credit score, income, and assets, we identify suitable loan programs and estimate your borrowing capacity. This information is for your personal use and does not guarantee loan approval.

2 - Application

The first stage of the approval and loan application process involves the completion of a 1003 residential loan application. Once completed, our team will request items like paystubs, tax returns, W-2 forms, bank statements, and various other items needed to support the information provided on your application.

3 - Underwriting

This is the initial stage of your approval process where all the information gathered is reviewed. Our underwriters work with our processors to verify that the applicant meets all of the criteria of the loan program.

4 - Approval

Once the underwriter finishes their review and determines your ability to meet the requirements of your loan program, you’ll receive feedback on any additional conditions needed for final approval.

5 - Processing

The processing stage is where the items provided with your loan application are verified. Our loan processors will verify employment, review bank statements and credit history, and fulfill any conditions the underwriter needs to clear the loan for closing.

6 - Closing

Once your loan package is fully processed and all conditions have been satisfied, your file is marked “clear to close.” The lender prepares your closing documents, sends all necessary disclosures, and your closing is scheduled with your attorney/settlement agent and realtor, which is typically held at the title company.

Knowing Is Half the Battle

Questions? I’m Here To Help

Homebuying can be confusing. We know. But we also know that you deserve transparency and clarity from your us. That’s the Gray Fox commitment.