There are mortgage companies and then there are neighbors who happen to do mortgages. The Reid Team at Union Home Mortgage is firmly in the second category.
Located at 606 William Street in the heart of downtown Fredericksburg, John and Tammy Reid are lifelong Fredericksburg natives with over 30 years of combined experience in the mortgage industry. While The Reid Team officially joined Union Home Mortgage in 2024, this husband-and-wife duo and their team have been working side by side for years, building a reputation rooted in trust, relationships, and a genuine love for this community. Their belief is simple but powerful: homeownership is not a transaction. It is one of life's biggest moments, and the people walking through it deserve a team that actually cares.
A Team Built on Relationships
What sets The Reid Team apart is not just their experience or their product lineup. It is the way they show up for people. Rounding out the team are Loan Officer Jenny Books and Loan Officer Assistant Valerie Shields, two dedicated professionals who share the same community-first values that define everything The Reid Team does. Together they deliver a hands-on, face-to-face experience that feels personal because it genuinely is.
"We don't treat clients like transactions," John says. "We build relationships that last well beyond the closing table."
That philosophy shows up in every interaction, from the first conversation about pre-approval to the moment the keys are handed over and beyond.
Everything You Need Under One Roof
Whether you are buying your first home, refinancing to lower your monthly payment, building your dream home from the ground up, or renovating a space filled with memories, The Reid Team has a solution for you. Their full range of home financing services includes conventional loans, FHA, VA, and USDA loans, cash-out refinancing, renovation and construction financing including FHA 203k loans, home equity lines of credit, and special programs with down payment options as low as one percent for qualified buyers.
No matter where you are in your homeownership journey, The Reid Team meets you there with expertise, honesty, and a level of accessibility that is rare in the lending world.
Deep Roots in the Community
The Reid Team's commitment to Fredericksburg does not stop when the paperwork is signed. John and Tammy are both actively involved in the Fredericksburg Regional Chamber of Commerce, the Fredericksburg Area Association of Realtors, and the Fredericksburg Area Builders Association, where Tammy has served as Chairman of the Community Service Committee, leading monthly service projects that directly support families across the region. Tammy also serves as a Life Director with the Builders Association, a testament to her long-standing dedication to this community.
From sponsoring local charities to showing up at community events, The Reid Team lives out its core values every single day. "We are committed to helping Fredericksburg grow, thrive, and sustain itself for future generations," John says.
Looking Ahead
Over the next five years The Reid Team has its sights set on growth, mentorship, and legacy. Their goal is not just to serve more clients but to pour into the next generation of their team, sharing the knowledge, values, and community-first mindset that has defined them from the start.
In a world where so much has become automated and impersonal, The Reid Team at Union Home Mortgage is a refreshing reminder that the best business is still built on trust, relationships, and a genuine love for the community you call home.
The Reid Team at Union Home Mortgage
606 William Street, Fredericksburg, VA 22401
540-842-1484
