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Proudly serving clients across Virginia, Florida, Kentucky, North Carolina and Tennessee.
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 5.0 out of 5.0 from Encompass Trish was very helpful and made the process extremely easy from beginning to end. She helped advise us of the best option to fit our financial needs. The entire journey from application to closing was stress-free and very quick too! Joshua DVIRGINIA BEACH, VA Sep 18
Trish was very helpful and made the process extremely easy from beginning to end. She helped advise us of the best option to fit our financial needs. The entire journey from application to closing was stress-free and very quick too!
Rating: 5.0 out of 5.0 from Encompass Clear communication James MatthewSUFFOLK, VA Sep 14
Clear communication
Rating: 5.0 out of 5.0 from Encompass Everything is amazing! Stress free! Thank you everyone,appreciated all you do! LORRIZA B.Newport News, VA Sep 11
Everything is amazing! Stress free! Thank you everyone,appreciated all you do!
Rating: 5.0 out of 5.0 from Encompass Trish really went above and beyond, providing service and pulling off this loan. ShreyanshVirginia Beach, VA Sep 03
Trish really went above and beyond, providing service and pulling off this loan.
Rating: 4.5 out of 5.0 from Encompass Very friendly and responsive Still not sure about all the nickel and diming with the fees, seems a little corrupt but I'm not sure who's fault that is or how we got to this point. But Trish was very nice And took care of everything . ChristyNORFOLK, VA Aug 24
Very friendly and responsive Still not sure about all the nickel and diming with the fees, seems a little corrupt but I'm not sure who's fault that is or how we got to this point. But Trish was very nice And took care of everything .
Rating: 5.0 out of 5.0 from Encompass Once again Trish has made the expierience so pleasent. She is so informative and is always easy to get in touch with. I will continue to send all my buyer clients her way. Thanks Trish for being so amazing!! TRACYPORTSMOUTH, VA Jul 24
Once again Trish has made the expierience so pleasent. She is so informative and is always easy to get in touch with. I will continue to send all my buyer clients her way. Thanks Trish for being so amazing!!
Rating: 5.0 out of 5.0 from Encompass Trish was great at guiding us through what to do Penny JeanCHESAPEAKE, VA Jul 03
Trish was great at guiding us through what to do
Rating: 5.0 out of 5.0 from Encompass Trish always is amazing and goes above and beyond! MELISSAVirginia Beach, VA Jun 26
Trish always is amazing and goes above and beyond!
Rating: 5.0 out of 5.0 from Encompass personal warm consistent and very knowledgeable VanessaChesapeake, VA Jun 16
personal warm consistent and very knowledgeable
Rating: 5.0 out of 5.0 from Encompass Trish was very helpful and responsive. Very knowledgeable for my first time TiphaniVIRGINIA BEACH, VA Jun 11
Trish was very helpful and responsive. Very knowledgeable for my first time
Rating: 5.0 out of 5.0 from Encompass Trish was officially my 'numbers girl' throughout the entire process! What made the experience great was her unmatched responsiveness. No matter what time it was, she was always there to answer my questions and break everything down clearly. She made the financial side of buying a home so much less stressful. Lillian FaithPortsmouth, VA Jun 08
Trish was officially my 'numbers girl' throughout the entire process! What made the experience great was her unmatched responsiveness. No matter what time it was, she was always there to answer my questions and break everything down clearly. She made the financial side of buying a home so much less stressful.
Rating: 5.0 out of 5.0 from Encompass What can I say? Trish at OVM had great communication and follow which allowed me peace of mind throughout the home buying process which allowed me to stress a little less. Home buying is stressful in general but the team I had working to ensure everything went well were remarkable and the ease of use that ca... AndrewVIRGINIA BEACH, VA May 08
What can I say? Trish at OVM had great communication and follow which allowed me peace of mind throughout the home buying process which allowed me to stress a little less. Home buying is stressful in general but the team I had working to ensure everything went well were remarkable and the ease of use that ca...
Rating: 5.0 out of 5.0 from Encompass wonderful experience from start to finish Trish made whole process extremely easy! Korey KVIRGINIA BEACH, VA May 04
wonderful experience from start to finish Trish made whole process extremely easy!
Rating: 4.5 out of 5.0 from Encompass Quick responses. Flexible timing. Thorough explanations. Very accomodating. JulianNORFOLK, VA May 04
Quick responses. Flexible timing. Thorough explanations. Very accomodating.
Rating: 5.0 out of 5.0 from Encompass Knowledgeable Staff, quick and easy start to finish , took a lot of the stress out of closing on a home. DanielVIRGINIA BEACH, VA Apr 28
Knowledgeable Staff, quick and easy start to finish , took a lot of the stress out of closing on a home.
Rating: 5.0 out of 5.0 from Zillow Trish Coffey at HomeSpire Mortgage made the home-buying process so smooth and easy for me, even for a first-time homebuyer with a difficult seller. She was quick to respond whenever I needed something, extremely knowledgeable, and super reliable. I can’t thank you enough, Trish! LizzyHampton, VA Apr 03
Trish Coffey at HomeSpire Mortgage made the home-buying process so smooth and easy for me, even for a first-time homebuyer with a difficult seller. She was quick to respond whenever I needed something, extremely knowledgeable, and super reliable. I can’t thank you enough, Trish!
Rating: 5.0 out of 5.0 from Encompass Thanks to Trish and her teams hard work we became home owners! I would Definitely recomend them to Other people who wants to purchase a house. Catherine AdevaPORTSMOUTH, VA Mar 27
Thanks to Trish and her teams hard work we became home owners! I would Definitely recomend them to Other people who wants to purchase a house.
Rating: 5.0 out of 5.0 from Encompass Trish was very helpful with securing my loan and rate on my new purchase. I asked about a grant program and she was able to match what those requirements so I could have it. Trish communicated every step of the way during my process. I am grateful for her help along with the underwriting staff. Danielle ColleenCHESAPEAKE, VA Mar 27
Trish was very helpful with securing my loan and rate on my new purchase. I asked about a grant program and she was able to match what those requirements so I could have it. Trish communicated every step of the way during my process. I am grateful for her help along with the underwriting staff.
Rating: 5.0 out of 5.0 from Encompass Trish was so kind, communicative, patient, and made this intimidating process easy to navigate! So supportive and really keeps your financial well-being in mind we trusted her guidance 100% Ellen HutterCHESAPEAKE, VA Mar 26
Trish was so kind, communicative, patient, and made this intimidating process easy to navigate! So supportive and really keeps your financial well-being in mind we trusted her guidance 100%
Rating: 5.0 out of 5.0 from Encompass Communication, closing on time and quick response to questions EvanCurrituck, NC Mar 17
Communication, closing on time and quick response to questions
Rating: 5.0 out of 5.0 from Encompass Trish was so helpful thought the whole time i work . With her and answer all my question. Brenda KCHESAPEAKE, VA Mar 12
Trish was so helpful thought the whole time i work . With her and answer all my question.
Rating: 5.0 out of 5.0 from Encompass Trish is awesome! She made the entire home buying process from start to finish seamless. Her expertise and communication are outstanding. Very knowledgeable and patient, she explained every step of the process and answered any questions or concerns I had. I greatly appreciate her and highly recommend for your mortgage needs! Whitney MarieSUFFOLK, VA Mar 02
Trish is awesome! She made the entire home buying process from start to finish seamless. Her expertise and communication are outstanding. Very knowledgeable and patient, she explained every step of the process and answered any questions or concerns I had. I greatly appreciate her and highly recommend for your mortgage needs!
Rating: 5.0 out of 5.0 from Encompass Trish is amazing !! She puts her clients first and truly Cares ! I love her open communication and attention to detail . she is impeccable with with timelines and extremely knowledgeable. I would absolutely highly recommend Trish especially , as a realtor that wants a seamless, professional lender who will give ... DANIELLENORFOLK, VA Feb 16
Trish is amazing !! She puts her clients first and truly Cares ! I love her open communication and attention to detail . she is impeccable with with timelines and extremely knowledgeable. I would absolutely highly recommend Trish especially , as a realtor that wants a seamless, professional lender who will give ...