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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 .

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Debbi Morfit a Mortgage and Loan Professional, recently joined CBM Mortgage after working 35+ years in local Community Banking.   

Whether you're a first-time home buyer, looking to trade up, deciding to downsize, or simply wishing for a change, Debbi can help you before you ever make an offer on a property.  The financial aspects of home buying can be stressful and overwhelming but they don't have to be, not with a trained and caring professional like Debbi in your corner.  With the knowledge and experience to help you through the loan process, she can find the terms that are right for you, so that closing goes smoothly and you can take possession of your new property.

She's available to meet with you and look over your budget, income and savings, helping you get a clearer picture of what type of loan and amount is realistic and giving you options so you can make the best decision for your needs.  Don't hesitate to contact her at (540) 551-4986 (direct line) or (540) 305-9623 (cell).

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Greg Lynch, a mortgage loan specialist, has recently joined the team serving the Front Royal area.   

Originally from Boston, MA, Greg fell in love with the Shenandoah Valley and the community of Front Royal after joining Chelsea Academy as the school’s Director of Business Development and Fundraising. Greg’s background has primarily been in education, and he has been a successful independent school teacher, administrator, and fundraiser for over 14 years. Greg has a passion for non-profit business development, and he currently serves Divine Mercy Care in Fairfax, VA as their Development Manager and Major Gifts officer. Greg joins CBM as a new loan officer. He is excited to work with a group of motivated entrepreneurs and sales people, who are committed to excellence in the business and constant improvement of themselves and their company.

Amy Stewart

Amy Stewart has been a mortgage loan officer for over seventeen years. She's been with CBM Mortgage for the last eight years. She has extensive experience with government, conventional, and new-construction financing. Listening to her client's needs is very important to her so that she can be as efficient as possible and place you in the best product possible, and she strives to build long-term relationships with clients and agents both personally and professionally.

Why she does what she does: Many years ago when she purchased her first house, she signed so much paperwork without any clue what she'd just done other than buy a home. When she got into her current field she swore to make sure every buyer knew the total process from start to finish, to be available seven days a week to answer questions, and to hold the hand of clients throughout the process—whether you're a first-timer or a fourth-timer. She wants her clients to know they need not hesitate to contact her should they have any questions during the process. She's here to make this a seamless transaction! Homeownership is the American dream, and to be a part of that transaction and see the excitement of her clients is priceless to her.

Amy was born and raised in Warren County and is still currently a resident. She has two wonderful children, a grandson, and her fur baby and sidekick, Ozzie. Her biggest interest is spending time with her family, whether they're headed to a ball game, watching a movie, or just hanging out. She has a love for flowers and enjoys being outside working in her flower beds and mowing the grass. She's recently taken a liking to painting landscape scenes—it's relaxing as well as a stress reliever. She also enjoys fishing and boating.

Contact Amy at


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Elizabeth (Liz) Lewis is a mortgage loan officer serving the Winchester, Front Royal, and Harrisonburg markets for CBM Mortgage. She graduated cum laude from George Mason University with a degree in Communication, and uses those learned skills to make the mortgage process clear for each of her borrowers. Born in Stephens City, she's a local professional with a passion for helping her community. As a youth cheerleading coach and a dance teacher for parks and recreation, she helps young children in our community learn the importance of teamwork and perseverance. As a Make-A-Wish Volunteer Wish Granter, Liz helps grant the wishes of children in our community battling a life-threatening illness, which she says is the most rewarding volunteer "job" she has.
Liz works with all types of homebuyers, be it the first-time purchaser or the experienced investor, and each deal is treated with the care and respect it deserves. She's grateful to have such a wonderful operations team at CBM Mortgage and is ready to help you make your homebuying dreams come true!

Contact Liz at


Brian Cline of CBM Mortgage always searches for ways to save his clients money.

When your home is on the line, rely on Brian Cline!

Your premier mortgage specialist proudly serving Virginia's fine Piedmont, and our neighbors state-wide.  Formerly "By Referral Only," I am celebrating 17 years of success in providing consistent service and timely financial solutions to my clientele.  

While a lot has changed during my career, effective mortgage financing is still much more complicated than simply pushing a button and providing a loan; so I strive to bring added value through strategic mortgage planning and fiscally sound advice, often saving my clients thousands—or tens of thousands—of dollars over the course of their loan.  

With an emphasis on integrity and customer service, my closings are consistently under budget and "on time—by design." My focus is in building lifetime clients who enthusiastically refer their friends and family for years to come.  I look forward to being a household name, and a family friend of yours as well.  How may I help you today?

Contact Brian at



Visit Casey Tanner at our Front Royal, VA, location for help with your home loan needs.

Casey Tanner is a mortgage loan specialist with CBM Mortgage and has worked in banking since 2010. She's completely homegrown, born and raised in Front Royal, VA! She enjoys doing lots of outdoor activities, singing, cooking, volunteering within our communities, and spending time with family. She's very enthusiastic and passionate—especially when it comes to helping clients—and is excited to help clients with purchasing a home, refinancing, or helping build upon their credit. Her goal is to give the best service to our clients while building strong relationships.

Contact Casey at





Contact Brittany Henry at