I am in the military and have purchased 6 houses in the last 16 years and Tanner is the best loan officer I have ever worked with. I wanted to purchase a second house with my VA benefits without having to sell my other house. The popular "military friendly" banks said it could not be done. Tanner assured me that loan officer #23 sitting in the cubical farm did not fully understand how the VA benefits worked and Tanner was right. Tanner was able to get me approved for a second house on the same VA certificate. What I also liked about Tanner was that he was available to me 7 days a week. And instead of reaching a different loan officer each time I called, I always reached Tanner. Whenever I had a question about the cost of purchasing a house at different price levels I could call him directly without going through a computer automated answering machine or being told to call back during regular business hours. A year after I purchased my house, interest rates significantly dropped and Tanner called me to see if I wanted to refinance. He assured me that I would pay nothing out of pocket and that my balance would remain the same but that my payments would be lower. Not only were my payments lowered by $90 but I also received $600 cash from credit of the closing and skipped a mortgage payment. Tanner is the only loan officer that I feel has really taken care of me. read more

If you are thinking about refinancing you home, you will not find a better business than Bayfield Home Loans. If you are a veteran then run, don't walk to this business before you visit any other. Mr. Tanner Mulvihill and his staff are truly a class act. They made my refinancing of my home a seamless and pleasant experience. Tanner was infinitely patient, always ensuring I understood every step of the process. He always made himself accessible to answer any questions or concerns. I never felt like a client or a number. I was pleased and surprised when I was contacted by Mr. Mulvihill a year after my refinance to inform me that the rates had dropped again and I would benefit from another refinance. I was blown away that he, let alone any business, was still looking out for me after the services were completed. I was such a satisfied customer, I refinanced with them a second time. Both times proved to be very financially beneficial for me and I can't thank him enough. I received the same level of attention and care as was provided the first time around. If you wish to get honest, professional, and personal service, I highly recommend Bayfield Home Loans to everyone. read more

This is my third refinance using Bayfield Home Loans. Tanner and his staff are true professionals that will not disappoint you in this process. We continue to come back to Bayfield because they are so good at what they do. They are also honest, kind, and caring professionals that get to know you and your family. You are not a number with them. They truly want to get you the best rate possible at little or NO cost to you. I was very skeptical the first time I used Bayfield Home Loans. They promised me a no cost refinance, as many do, but Tanner was different. He didn't roll the cost in to the loan or add it on in a lump sum at the end of the loan, he paid it for us...what! Yes, we walked away with a free refinance. This is why my wife and I have referred all of our friends, living in VA, to Bayfield Home Loans. Don't hesitate to call and work with Tanner, you will be glad that you did. read more

I was referred to Bayfield Home Loans by my Title company because I wanted to refinance my existing FHA loan to a VA loan. I have had a few VA loans in the past and was somewhat familiar with the process. When I visited with Tanner for the first time I could tell immediately that he was very knowledgeable with the VA process. My knowledge of the process has tripled thanks to Tanner. The entire process was effortless on my part. I not only eliminated the P&I that I was paying under my FHA loan, but Tanner managed to get me a great interest rate. If you are considering any of the loan options that his office offers, I would Highly recommend that you utilize his services. Thanks Tanner. BTW, I have already referred you to a friend of mine who is looking for a new home. read more

We recently purchased our home using Bayfield Home Loans and we couldn't be happier. Being military and recently moving to the area, we wanted to use someone local so our loan closed on time. Getting pre-approved was fast and there was no application fee! Tanner and the team at Bayfield were great to work with. Tanner is available nights and weekends to answer any questions. Bayfield Home Loans was even able to cover our VA funding fee with their "lender credit" program which saved us thousand and thousands of dollars, plus there was no loan origination fee so that saved us a few thousand more. If you are looking to purchase a home in Northern VA, I would highly recommend giving Bayfield Home Loans a call. We absolutely LOVE giving this company our business!! read more

I would highly, and strongly, recommend Tanner. He is definitely as good as it gets. As a first-time home buyer, I had no idea what to expect or what documents I had to produce. Tanner was very professional, yet also extremely kind and patient. He explained each step as we approached it and was always thorough, concise and clear when answering our array of questions. Throughout our confusion, sometimes frustration, and stress, Tanner was always the "calming hand", with a positive attitude. He really made this process as "pain-free" as it can get, and I have nothing but good words to say about him. If you are looking for a loan officer, Tanner is your guy!! read more

My wife and I have gone through the process of buying a house and refinancing, for a lower rate, multiple times over the past 10 years This time Bayfield Home Loans was recommended to us by our friends as we went to purchase our second home. Let me say, this is the first time I have ever felt that that there were no 'smoke and mirrors' in the numbers! Tanner and his team were straight forward from the beginning and the process could not have gone smoother! I would recommend (and already have, just a recent as 2 days ago) would recommend you to everyone looking to buy or refinance a home. Thanks again guys! read more

I was one of the first Realtors Tanner spoke to in 2006. I have referred dozens of clients to Tanner. He first reviews their credit and financial situation. Then he sends them back to me with a plan to make their home dreams possible. He is fair and honest. If he can't help or my client's dream is not possible now, he will let them know. Then tell my client what to do to get on track. He has gone from being loan officer to owing his own company. If you are not sure you are getting the best loan, CALL TANNER. read more

Tanner has graciously worked with me on three occasions for home financing. He has been such a pleasure to work with! He's honest, straightforward, and most importantly - patient...I asked A LOT of questions. :) The process went so smoothly that I initially thought there had to be a catch. Well, two years later I realize that I was simply lucky enough to work with a great loan company. I've recommended him to many others and will continue to do so. Great staff...overall great company!! ~Cheri W. read more

Bayfield's owner, Tanner was so helpful. He worked with us to find the perfect loan to refinance our mortgage. We closed quickly with a much lower interest rate, with no cash out of pocket and no expenses added onto the new loan. He was easily accessible by phone or email during the process and answered all questions promptly and with clarity. We could tell quickly he is a Marine veteran- he was on top of his game. Two thumbs up for delivering great service and being a great person. read more

We bought and sold our first home years ago in Alabama and everything was done very professionally and business like. Tanner and his group at Bayfield made purchasing our second home here go just as well but with a touch of family. Everything was done with a personal touch. We were kept well informed of everything going on during the process and it went quickly. Thank you Tanner and everyone at Bayfield for helping us make this house our home. Chris P. and Family read more

Tanner and staff at Bayfield Home Loans have saved me a tremendous amount of hassle and money. I recommend them for any sort of home loan. I was impressed by the knowledge and assistance provided on my VA loan and a refinance. I will continue doing business with Bayfield!! You will be amazed at how much stress is alleviated by utilizing their services!!!! Thank you Tanner for helping my family! read more

Working with Tanner was a great pleasure. We have bought two homes using his service and it could not have been more pleasant or stress free. We closed on our last home in just 30 days even over the winter holidays. We have recommended him to several of our friends! He is knowledgeable, courteous, and above all else professional and was wonderful to work with. read more