Tonja Showalter
Senior Mortgage Advisor
Tonja Showalter is a Virginia Mortgage Advisor and lifelong resident of the Shenandoah Valley, proudly serving homebuyers throughout the region—including her hometown of Singers Glen. Known for her approachable personality and outstanding commitment to service, Tonja guides clients through every step of the home loan process with care, clarity, and a sense of humor. Whether she’s sharing a story, answering late-night calls, or celebrating closing day with her clients, Tonja delivers personalized mortgage solutions that reflect her dedication to making homeownership easy and enjoyable.
“Tonja was so helpful during the whole process. Even after hours, she would answer my many phone calls and keep my husband and I updated on every aspect of the process. I could not be happier with F&M Mortgage and Tonja!”
— Tess Croy
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.
Meet My Team
Ashley Brown
My loan partner’s role is to make sure your loan closes on time and that we meet your expectations. She works to support the team and make sure the process is seamless on both ends.
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