Veronica Amato
Senior Mortgage Advisor – Bilingual (English, Spanish)
Veronica Amato is a bilingual Mortgage Advisor based in Harrisonburg, Virginia, proudly serving first-time homebuyers, growing families, and anyone navigating the home loan process with confidence. With over 11 years of experience at F&M Bank, Veronica offers a thoughtful, knowledgeable approach—helping clients understand their options, match them with the right loan terms, and move smoothly from application to closing. Whether you’re buying your first home, building, downsizing, or refinancing, she’s here to simplify the financial journey with clear guidance and personalized service.
Raised in Cancun, Mexico, Veronica brings both cultural awareness and strong local expertise to her work. She takes pride in creating a welcoming experience for every client—often starting with a one-on-one meeting to review your budget, savings, and goals, so you can make informed decisions from the start.
When she’s not helping clients achieve their homeownership dreams, Veronica enjoys spending time with her two daughters and their dog, Luna—whether it’s cooking at home, playing board games, or watching movies together.
To access my secure online application please click the Apply Now button below and it will direct you to create an account and start your application.
Dreaming of Home Ownership?
I have your solution!
Purchase loans, construction loans, refinancing, and more. We have programs to fit the different needs of our community members.
Loans with as low as 0% down!
Don’t rent anymore.
Apply today to take the first step to homeownership!
¿SUEÑA CON VIVIENDA PROPIA?
¡Tengo su solución!
Préstamos para compra, con-strucción, refinanciamientos, programas para personas con ITIN, DACA, TPS y más. Nosotros tenemos programas para adaptarse a los diferentes necesidades de los miembros de nuestra comunidad.
¡Préstamos con tan solo 0% de pago inicial!
No alquiles más.
Aplica ya para dar el primer paso para la meta de tener vivienda propia.
Meet My Team
Gervasio Amato
Click here to add My loan partner’s role is to make sure your loan closes on time and that we meet your expectations. He works to support the team and make sure the process is seamless on both ends.own text
My Loan Processors work with you and the underwriter to ensure all documentation has been gathered to meet the requirements for a full loan approval. You will be assigned to one of our experienced loan processors below.
My Closing Specialists help you prepare the last steps in the process! Once your loan is cleared to close, one of the below specialists will contact you to review and sign your final Closing Disclosure (CD), which is required three days prior to closing.
Wendy Guzman
Jessica Luce
FDIC-Insured - Backed by the full faith and credit of the U.S. Government