About Sherry L. Thacker

When Sherry started in the mortgage business 20 plus years ago, she was a mortgage loan assistant gathering documentation from borrowers and assisting loan officers. After realizing and seeing how rewarding this industry is, she knew she wanted to be a much bigger part of the process so she transitioned to a loan officer.

Sherry has the knowledge and understanding of the large variety of loan programs available and she is positive that she can find the perfect mortgage for your individual situation. Sherry listens to understand your goals and immediate needs. She has realized over the years that there is so much more to the mortgage business than crunching numbers and calculating interest rates. It's about helping people realize their dreams.



Mortgages for Financing & Refinancing 

Are you searching for the perfect home, building a house, or refinancing your current mortgage? When it comes to selecting a mortgage, there are times when it can be challenging to determine how to get started.

Relax and take it easy. You can focus on your dream home, and we will make financing less stressful. Our knowledgeable team will walk you through our mortgage or refinance options and assist you in finding a loan that is tailor-made to fit your needs.


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Mortgage FAQs


What documents are needed for a new home loan?

You will need documents to verify your employment, income, and any assets you will use to secure the loan. Typically, pay stubs from the last two months, W-2 forms or tax returns for the past two years, current bank statements, and information about any other current debt. Your loan officer may request additional documentation.


How does credit score affect the mortgage approval process?

Your credit score will impact your ability to qualify for a mortgage loan. Credit scores are determined by payment history, amounts owed, length of credit history, new credit accounts, and types of credit used. The better the credit score, the better the chance you will qualify for a loan with the best interest rate. Our team can help you see how your credit score may impact your future home loan application.


When buying a new home, what is the best mortgage loan?

Many different mortgage options fit a variety of situations. Choosing the right type of loan will depend on several factors:

-Your current financial situation
-How do you expect your finances to change
-How long do you intend to keep your home
-How comfortable are you wiht the possibility that your mortgage payment may rise in the future

Your loan officer will help guide you to the best mortgage loan program for your unique needs.





Old Point Mortgage, a division of Old Point National Bank. NMLS ID #500015. www.nmlsconsumeraccess.org. Licensing Information.