Superlative lending agent. We have worked with Cheryl before when she was with another bank. We actively sought her out for our next home purchase, even though she had changed banks entirely. Our agent from this most return purchase was reluctant about a non-Virginia lender, but after closing, she had to admit that, "Cheryl has completely restored my faith in out-of-state lenders." She is responsive, thorough, and extremely proactive with the agents, inspectors, and closing folk. As far as we're concerned, there is no other lending agent to consider.