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Contact Information:

912 Hometown Way
Front Royal, VA 22630
Office: (540) 635-1112
NMLSR ID #282839


Hours: 9:00 a.m.–5:00 p.m.
Available evenings and weekends by email and phone

Our Home Loan Programs Include:

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  • VA Loans
  • FHA Loans
  • Refinancing
  • 100% Financing
  • First-time buyers
  • USDA Mortgages
  • Construction
  • Rehab

Meet Our Staff:


Michelle Napier is a mortgage loan specialist at the Front Royal, Virginia, branch of CBM Mortgage who has been in the mortgage lending industry for over three years, with almost six years total in the financial industry.  After graduating from JMU with a bachelor's degree in international business and a minor in Spanish she moved to Front Royal, Virginia.  Michelle started her career in banking in 2010 and over the past three years has mentored under CBM Mortgage's CEO as a mortgage loan officer.  She started as an assistant to Cory more than three years ago, and over the course of the last few years has graduated to being his senior loan officer while gaining a wealth of knowledge that she can pass along to her clients.

Whether purchasing or refinancing, she currently prides herself on assisting her clients with an unbeatable level of customer service while ensuring they are being provided the best loan situation to fit their personal needs and financial goals. She is with you every step of the way from application to closing, all while keeping her strong commitment to every mortgage application that she receives.  Michelle has expertise in helping first-time homebuyers and self-employed borrowers, as well as a strong knowledge base of conventional, government, and investment property lending.

Michelle was born and raised in Mahopac, New York, which is a suburb of New York City. After graduating from JMU in 2008, she decided to move to the Front Royal, Virginia, area to start a family with her spouse Adam and start her professional career.  Michelle currently resides in Front Royal with her family, where she enjoys spending time with her children, cooking and baking, and various outdoor activities.  If you're currently shopping for a mortgage to purchase your new Virginia home, to refinance, or if you are just looking to get pre-qualified for a home anywhere in Virginia, Michelle can help you get the ball rolling. Contact her at .

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Gina Matthews joined the mortgage industry in 2002 after working for over ten years in the medical field. She now has experience in all types of financing, including USDA, FHA, VA, and conventional financing.  A native of the Front Royal, Virginia, area, she especially enjoys working with first-time homebuyers and will make sure you understand every step of the home-buying process.  Enthusiastic referrals from past clients and repeat customers reassure nervous first-time homebuyers that Gina succeeds at her endeavor to provide the excellent customer service that makes her a top mortgage banker with CBM.  She can be reached at .

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Sally Spiewak is a mortgage loan specialist for CBM Mortgage in Front Royal, Virginia. Sally has worked for CBM Mortgage since 2009, and has worked part-time for Seton Home Study School since 2001. She was born in southern Virginia, where she resided until she moved to Front Royal after earning her bachelor's degree in marketing. Sally currently resides in Front Royal with her husband, Rich, and her four children. She is very passionate about helping people obtain their dream homes and in the process establishes friendships that are carried on throughout the years. When Sally is not working, her time is spent juggling her four children and their sporting activities and school functions, reading, visiting family, and further enrichment of her faith as a member of St. John's Catholic Church. Sally contributes to St. Jude's charities, missionary causes, pro-life causes, Bishop's Lenten appeals, prayer causes, and assisting in Meals for Mothers. Contact Sally Spiewak at .

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Molly Llewellyn is a mortgage loan specialist serving the Front Royal and Winchester branches of CBM Mortgage. Molly learned early on in life that communicating and relating with people were her strongest qualities; graduating from Virginia Tech with a degree in Communication. Born and raised in Front Royal, she briefly lived in Roanoke after college until she was ready to move back home and start a family with her husband Matt. Molly prides herself on customer service, she is dedicated to pleasing her customers and will go the extra mile to ensure their happiness. Molly enjoys working with all types of borrower, whether it be the first-time home-buyer or the seasoned refinance, she will take her time to make sure the process is as smooth as possible and that each borrower understands the process.

Molly enjoys health and nutrition and loves outdoor activities with her family. When not at the office, you can find her at the ballfield watching her kids play or at home tending to her chickens and her garden.

If you are ready to take the next step on getting a mortgage, please reach out to Molly and let her help you! Contact Molly Llewellyn at .