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March 2024 by Beth Slaughter
My husband and I could not have handpicked a better mortgage lender to work with. . Bank of the James (Heather Nipper!!) literally helped us turn a dream into a reality with such ease.I feel like Heather went above and beyond what anyone else could ever do and communication was top notch. (We got weekly assurance everything was moving in the right direction).A mortgage loan wasn't anything that we were overly familiar with - but Heather answered any and all questions in a timely manner anyone could understand. Literally made this entire experience stress free.Heather came recommended to us from a realtor and I am forever thankful for that. I cant recommend her (and Bank of the James) highly enough to anyone!!!
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March 2024 by Catrina Hall
I highly recommend the Bank of the James, and specifically, Heather. She was fabulous to work with, continuously keeping us informed and up to date on the process. She literally made the process so easy! No one is better than Heather!!! We loved her!
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March 2024 by Halle Aker
Heather was wonderful to work with! She kept us informed through the entire process, scheduling calls and group messages as needed. Heather made things easy to understand and set expectations to look forward to and address as we progressed. I would highly recommend Heather!
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January 2024 by MICKIE SMART
Heather is an incredible person first and foremost!! I've worked with her thru countless deals and highly recommend her to everyone!! She most recently helped me buy a new home in Pennsylvania and before that my daughter in Tennessee!! Call on her to help you any place!! I can't say enough good things, she keeps you informed every step of the way. All hours of the day she answers. Having worked with her both as a Realtor and a buyer she's just a blessing!!! I'll never hesitate to call on her. Thank you so much Heather!!
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January 2024 by Melissa Bugaj
Heather Nipper at Bank of James is EXCEPTIONAL in her knowledge, care, and organization. Heather made our process so efficient and smooth. She is genuine in her approach and is transparent throughout the whole process. You truly feel like part of a team when working with her.
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December 2023 by Casey Calfee
We had the pleasure of working with Heather at Bank of James, she was no short of wonderful! I would recommend her everytime to a friend or family. She was extremely professional, knowledgeable and most of all I felt like she went above and beyond to help us or find the answers we needed. I was most impressed that she sent weekly updates every Friday, which even the weeks I was feeling behind she never once made me question where we were in the process and I always had updates of the long home buying process before I even thought to ask! She really is wonderful at her job and just a pleasure to talk to in general! My only complaint is that I didn’t find her sooner and use her when I bought my first house!
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December 2023 by Grey Hood
Our experience with Bank of the James during the purchase of our home was less stressful than it certainly could’ve been due to the amazing work of Heather Nipper!! She was awesome and I would 10/10 recommend her for anyone in the area looking for a mortgage lender.
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November 2023 by Johnny O'Dell
Heather Nipper was great to work with!! Her communication, personality, professionalism, and ability to explain processes are second to none!! Would recommend her over and over again!
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November 2023 by Kara Queen
I cannot thank Heather Nipper, and Bank of the James enough!! All of this was new to me in the beginning and to be completely honest I was so scared as I was purchasing my first home! Heather was so helpful with everything I needed, I was able to message at any time of day and would hear back from her promptly. She helped make sure everything went smoothly and even sent me weekly video chat updates! She also made it possible for me to bring less money to closing than originally planned which is always helpful! Thank you Heather, and Bank of the James!
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November 2023 by Jaime Allison
Maybe late sharing, as we know how hectic moving and settling in can be. However, I cannot thank Heather Nipper and the Bank of James for all of their help & support in finding our true forever home! My husband and I knew we needed a change and contemplated selling & buying a new home in the future but a beautiful home and opportunity presented itself, when we least expected. We had no idea how the process worked or where to even begin. We reached out on a limb & leap of faith, never dreaming it would be possible..But Heather, was on point at all times, genuinely cared and guided us each step, along the way. One evening, We scheduled a showing for 1:00pm the next day, in less than 24 hours she notified us that we were pre-approved. It went from, just looking at a beautiful home, to a possible reality and our dream come true! And..she made that happen!! This Thanksgiving, we have soo much extra to be thankful for!!
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November 2023 by Ashley ODell
I can't express how great our experience with Heather Nipper was during the purchase of our new home! From the very beginning of our purchase until the minute we closed, she kept us updated on the progress and was open to any questions we had. Her knowledge is second to none, and she truly has a heart to help people!
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November 2023 by Tara Jones
Heather Nipper and Bank of the James was such a pleasure to work with! Heather guided my fiancé and I through the process of purchasing our first home. She made it extremely easy and answered all our questions. Working with Heather was a true blessing because there was not one moment that we were stressed! We truly appreciate everything that you have done!! Thank you so much Heather and Bank of the James!!
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November 2023 by Google user
I cannot thank Heather Nipper, and Bank of the James enough!! All of this was new to me in the beginning and to be completely honest I was so scared as I was purchasing my first home! Heather was so helpful with everything I needed, I was able to message at any time of day and would hear back from her promptly. She helped make sure everything went smoothly and even sent me weekly video chat updates! She also made it possible for me to bring less money to closing than originally planned which is always helpful! Thank you Heather, and Bank of the James!
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October 2023 by Ordinary Guy
There isn't enough time in the day to rave about how positive an experience we've had in applying and receiving a mortgage with Bank of the James. Our mortgage officer, Heather Nipper, was a true powerhouse in terms of processing our mortgage, walking us through the process, and staying on top of the interest rate lock to ensure we had the best rate possible. When balancing out what down payment we wanted to make, she went the extra mile to show us different scenarios to allow us to make the best decision for us, as well as regularly checked in with us to be a patient sounding board for all our questions. We are so happy to have Ms. Nipper on our side and look forward to having Bank of the James as our lender! Thank you truly!
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October 2023 by Alison Benson
We were introduced to Heather Nipper by our realtor early in the process of building our new home. From the beginning, Heather carefully explained all of our options and took the time to make sure we understood every detail. We especially appreciated the frequent communication she provided and accessibility. She also worked with our builder and closing agent to ensure that everything went as smoothly as possible. Not only is she incredibly thorough and kind, but she genuinely wants what is best for her clients. We couldn’t be happier with Heather Nipper and Bank of the James!
