Virginia Mountain Mortgage keeps a Roanoke lending contact close to home

Buying land and financing a finished home are different stages of the same ambition. Virginia Mountain Mortgage works across that span, offering lot and construction financing alongside mortgages for home purchases and refinancing.

The business is a division of Bank of Botetourt. In the Roanoke and Salem region, Jenny Tofano serves as vice president, branch manager and mortgage loan officer from the Melrose Plaza office on Melrose Avenue NW. Her role gives the regional operation a named local contact.

Virginia Mountain Mortgage’s range includes conventional mortgages and government-backed FHA, VA and USDA options. It also offers Virginia Housing loans, construction loans and home-equity products. Availability and eligibility vary by program and borrower; the range represents different routes through a lending conversation, not interchangeable offers.

The land-to-home connection is particularly clear in its additional products. Lot loans address land acquisition, while construction financing relates to building. The division also lists portfolio loans handled within Bank of Botetourt, as well as options for second homes and rental properties.

That mix allows a conversation to begin with the property and the borrower’s plans. A household purchasing an existing home, someone preparing to build and an owner considering a refinance arrive with different needs even when all three are discussing housing finance.

Tofano’s Roanoke and Salem assignment is part of a wider team with lenders serving other western Virginia communities. Her individual NMLS identifier is 1130070; the mortgage division lists NMLS 476841.

Prospective borrowers can reach Tofano through Virginia Mountain Mortgage to discuss the appropriate application and available products. The Melrose Plaza office provides the local starting point for that process.