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Proudly serving clients across Virginia and North Carolina.
For the past five years, I’ve had the privilege of helping people navigate one of the biggest purchases of their lives. Whether you’re buying your first home or you’re a seasoned investor, my goal is to help you find the loan program that truly fits your needs.
I lead with kindness and genuinely enjoy connecting with people. I do my best to make my buyers feel seen, heard, and cared for, and I bring that same approach into every transaction — listening closely, advocating for your best interests, and making the process feel clear, smooth, and stress-free from start to finish.
I’m also a third-generation loan officer and still work alongside my dad today. Together, we bring over 30 years of combined lending experience, blending trusted knowledge with a modern, personalized approach.
Outside of work, I love staying active — running, biking, swimming, and spending time outdoors. I’m very family-oriented and enjoy creating meaningful memories with the people I love.
Rating: 5.0 out of 5.0 from Encompass Elizabeth and her team's excellent communication made our experience as stress free as possible. Elizabeth also made sure we were comfortable and understood all of the disclosures prior to closing. We would highly recommend this team to others for their home purchase! JessicaSuffolk, VA May 01
Elizabeth and her team's excellent communication made our experience as stress free as possible. Elizabeth also made sure we were comfortable and understood all of the disclosures prior to closing. We would highly recommend this team to others for their home purchase!
Rating: 5.0 out of 5.0 from Encompass Excellent communication, warm interactions, and top notch professionalism. DarielSuffolk, VA May 01
Excellent communication, warm interactions, and top notch professionalism.
Rating: 5.0 out of 5.0 from Encompass Your team was very patient and kind to us during the many challenging issues that seemed to continually arise throughout the loan process. We are very appreciative of your hard work and dedication. Thank you. GloriaNorfolk, VA Apr 16
Your team was very patient and kind to us during the many challenging issues that seemed to continually arise throughout the loan process. We are very appreciative of your hard work and dedication. Thank you.
Rating: 5.0 out of 5.0 from Encompass Super organized and easy process. EdithVIRGINIA BEACH, VA Mar 30
Super organized and easy process.
Rating: 5.0 out of 5.0 from Encompass impressed with buying a new house with no money out of pocket BenedictNORFOLK, VA Mar 10
impressed with buying a new house with no money out of pocket
Rating: 5.0 out of 5.0 from Encompass Great advice and communicatIon. Always quick to respond and helped with all questions we had. Would highly recommend for anybody needing services for loans! Donovan MHAMPTON, VA Feb 02
Great advice and communicatIon. Always quick to respond and helped with all questions we had. Would highly recommend for anybody needing services for loans!
Rating: 4.0 out of 5.0 from Encompass give us a clear guidance through all the process and what to expect in esch each stage Veronica YVIRGINIA BEACH, VA Feb 01
give us a clear guidance through all the process and what to expect in esch each stage
Rating: 5.0 out of 5.0 from Encompass Everything about the process of getting my mortage loan and how smooth and assuring everything was as a first time home owner. I was taken care of and everything I needed was addressed even before I knew I needed it. Very experienced team of Talented people including Mrs. Simkins took care of me. Jacob ThomasVIRGINIA BEACH, VA Jan 19
Everything about the process of getting my mortage loan and how smooth and assuring everything was as a first time home owner. I was taken care of and everything I needed was addressed even before I knew I needed it. Very experienced team of Talented people including Mrs. Simkins took care of me.
Rating: 5.0 out of 5.0 from Encompass The team was great! MISTYVIRGINIA BEACH, VA Jan 04
The team was great!
Rating: 5.0 out of 5.0 from Encompass Elizabeth, was very attentive throughout the whole process, and was able to response promptly to all my questions. She even came to my closing for my support. John PNORFOLK, VA Dec 08
Elizabeth, was very attentive throughout the whole process, and was able to response promptly to all my questions. She even came to my closing for my support.
Rating: 5.0 out of 5.0 from Encompass Elizabeth was there to save a deal from another lender. I thought there was 0 chance however she made it to the finish line with little to no issues. MIKEWILLIAMSBURG, VA Dec 08
Elizabeth was there to save a deal from another lender. I thought there was 0 chance however she made it to the finish line with little to no issues.
Rating: 5.0 out of 5.0 from Encompass Elizabeth was awesome. She walked me thru the entire process and stayed in communication with me. Melissa ThrasherPORTSMOUTH, VA Dec 05
Elizabeth was awesome. She walked me thru the entire process and stayed in communication with me.
Rating: 5.0 out of 5.0 from Encompass Thanks Elizabeth! Excellent work! RobertVIRGINIA BEACH, VA Dec 01
Thanks Elizabeth! Excellent work!
Rating: 5.0 out of 5.0 from Encompass Elizabeth and her Team are amazing. From start to finish, they were with us every step.of the way. They stayed on track and we closed as scheduled. There were no issues with missing documents before the loan was submitted. Flawless, efficient and professional service. MileneVIRGINIA BEACH, VA Nov 17
Elizabeth and her Team are amazing. From start to finish, they were with us every step.of the way. They stayed on track and we closed as scheduled. There were no issues with missing documents before the loan was submitted. Flawless, efficient and professional service.
Rating: 5.0 out of 5.0 from Encompass Elizabeth always answered my calls and responded to emails so quickly. She is amazing! Couldn't ask for a smoother transaction! Honestly one of the best experiences I have ever had. And I love that she came to closing. That is top notch service. MILAVIRGINIA BEACH, VA Nov 01
Elizabeth always answered my calls and responded to emails so quickly. She is amazing! Couldn't ask for a smoother transaction! Honestly one of the best experiences I have ever had. And I love that she came to closing. That is top notch service.
Rating: 5.0 out of 5.0 from Encompass The communication throughout the entire process was excellent! CassandraHAMPTON, VA Oct 27
The communication throughout the entire process was excellent!
Rating: 5.0 out of 5.0 from Encompass Elizabeth was very helpful throughout the entire time buying process. She fought to give me an excellent rate and had great communication. Highly would recommend using her when trying to apply for a mortgage! Thanks Elizabeth! NathanielSUFFOLK, VA Oct 23
Elizabeth was very helpful throughout the entire time buying process. She fought to give me an excellent rate and had great communication. Highly would recommend using her when trying to apply for a mortgage! Thanks Elizabeth!
Rating: 5.0 out of 5.0 from Encompass answered all my questions at any time Darnell RNORFOLK, VA Sep 06
answered all my questions at any time
Rating: 5.0 out of 5.0 from Encompass Excellent communication and follow up and fast response . Elizabeth was excellent TimothyVIRGINIA BEACH, VA Aug 26
Excellent communication and follow up and fast response . Elizabeth was excellent
Rating: 5.0 out of 5.0 from Encompass Easy to follow NoahNORFOLK, VA Aug 23
Easy to follow
Rating: 4.8 out of 5.0 from Encompass Elizabeth was pleasant during every communication I had with her. She took the time to explain things to my clients. BRANDISuffolk, VA Aug 19
Elizabeth was pleasant during every communication I had with her. She took the time to explain things to my clients.
Rating: 4.7 out of 5.0 from Encompass Her charming personality! ERIC F VONVIRGINIA BEACH, VA Aug 19
Her charming personality!
Rating: 5.0 out of 5.0 from Encompass Seamless and well organized VincentNORFOLK, VA Aug 04
Seamless and well organized
Rating: 4.8 out of 5.0 from Encompass Elizabeth was very kind and knowledgeable, she responded to questions very quickly, and helped us feel supported and in great hands the entire process. LucyIrvington, VA Jul 31
Elizabeth was very kind and knowledgeable, she responded to questions very quickly, and helped us feel supported and in great hands the entire process.
Rating: 4.8 out of 5.0 from Encompass Entire process was fairly easy. Received great support when issues arose. JeremyNORFOLK, VA Jun 14
Entire process was fairly easy. Received great support when issues arose.