FDIC-Insured - Backed by the full faith and credit of the U.S. Government
F&M Bank

Tonja Armentrout

Senior Mortgage Advisor

With more than 18 years of experience, Tonja Showalter Armentrout is a seasoned senior mortgage advisor and lifelong Shenandoah Valley resident who proudly calls Augusta County home with her husband. Licensed in Virginia, West Virginia, and North Carolina, Tonja serves clients across the Shenandoah Valley and surrounding counties, including Rockingham, Augusta, and Shenandoah.

Tonja specializes in Conventional, FHA, USDA, VA, Virginia Housing, and construction and renovation loans – bringing both expertise and creativity to the table. Backed by a dedicated in-house underwriting team, she provides innovative lending solutions and access to exclusive grant programs, helping families achieve their dream of homeownership with confidence.

As a board member of the local builders association and part of a trusted community bank, Tonja is deeply rooted in both her industry and community. She is known for her personalized, professional, and approachable style, creating mortgage experiences that clients are excited to share with friends and family.

Whether you’re purchasing your first home, building new, or planning a renovation, Tonja is committed to guiding you every step of the way. Contact her today for a free consultation and expert guidance tailored to your unique goals.

 
NMLS #510632

Why Work With Me?

  • Local lending decisions
  • Fast communication
  • Flexible appointment options
  • Personalized guidance
  • Experience with first-time buyers
  • Deep knowledge of the local market

Proudly serving homebuyers throughout:

  • Augusta County
  • Elkton
  • Harrisonburg
  • Rockingham County
  • Staunton






Whether you're buying your first home or your forever home, F&M Bank's local mortgage experts provide personalized guidance, competitive financing options, and support from pre-approval through closing to help make your home purchase simple and stress-free. 

 
Build your dream home with confidence using F&M Bank's flexible construction financing, featuring local decision-making, one-time or two-time close options, and expert guidance from groundbreaking through permanent financing.
Whether you're looking to lower your interest rate, reduce your monthly payment, shorten your loan term, or tap into your home's equity, F&M provides personalized refinancing solutions tailored to your financial goals. 
Expand your real estate portfolio with flexible financing for investment properties, backed by local mortgage expertise, competitive lending options, and personalized guidance to help you achieve your long-term investment goals
Make affordable homeownership a reality with flexible financing for manufactured and modular homes, backed by local mortgage expertise and personalized guidance every step of the way.

































iOS and Android Users

Download the F&M Bank app on your mobile device.





























































"It has been a pleasure working with someone who actually cares about the client. Tonja has done everything in her power to make this process as smooth as possible and with zero hiccups. Highly recommend!!! I will no longer work with anyone else."  - Jason M., F&M Mortgage Client