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About Ben Munson

Ben Munson, Senior Loan Officer at Tidewater Mortgage Services, Inc.

A Legacy of Excellence in Mortgage Lending

Ben Munson brings nearly two decades of banking and lending experience to his role, where he has helped countless clients achieve their dreams by assisting them in selecting the right loan products. Always putting his clients’ needs first, Ben is dedicated to providing clear communication and managing expectations throughout the loan process. He looks forward to helping you or your clients navigate the complexities of securing a mortgage with ease and confidence.

Committed to Small Business Owners & Veterans

Ben’s unique blend of expertise and dedication is particularly evident in his focus on serving small business owners and veterans. His passion lies in facilitating the dreams of homeownership for those who have served their country or built their own enterprises. Ben not only assists first-time homebuyers but also has a deep commitment to helping repeat buyers. His goal is to assist 1,000 homeowners in a decade, demonstrating his unwavering dedication to his clients.

Building Lasting Relationships

More than just completing transactions, Ben aims to forge lasting relationships with his clients. He understands the nuanced needs of each individual and tailors solutions to best suit them. His approach is characterized by integrity, empathy, and an unwavering commitment to excellence, earning him the trust and admiration of his clientele. Through his tireless efforts, Ben Munson is not just a mortgage loan officer; he’s a catalyst for turning aspirations into reality, one home at a time.

Educational Background, Affiliations & Community Involvement

Ben is a proud graduate of Hampden-Sydney College and the VBA School of Bank Management at UVA. He currently serves on the board of the Ghent Business Association. Outside of his professional life, Ben enjoys golfing, boating, and spending quality time with his family.

Pre-Qualification Process with Ben Munson

What to Expect When Getting Pre-Qualified

When getting pre-qualified with Ben Munson, you can expect a comprehensive and supportive process designed to help you achieve your homeownership goals. Here’s what you can look forward to:

  • Consultation: An in-person or virtual meeting to understand your goals and answer any questions.
  • Loan Options: Exploration of various loan options including Conventional, FHA, Down Payment Assistance, VA, and USDA loans.
  • Maximum Pre-Qualified Amount: Determination of the highest amount you can purchase.
  • Monthly Payment Estimates: Detailed estimates of monthly payments at different purchase price points, ensuring you shop within your budget.
  • Robust Mortgage Calculator: Access to a comprehensive mortgage calculator to understand your payments before viewing homes.
  • Closing Costs Estimates: Approximate closing costs so you know exactly what you’ll need to bring to the closing table.
  • Interest Rate Updates: Periodic updates on interest rates while you shop for a home, helping you stay on top of the ever-changing mortgage market.
  • Document Uploads: An easy-to-use website for scanning and uploading documents, saving you time and minimizing frustration.
  • Local Decision Making: Local underwriting and decision-making with Tidewater Mortgage Services, ensuring a personalized experience.
  • Experienced Guidance: Two decades of experience dedicated to ensuring you have a great home-buying experience.

What to Expect When Refinancing with Ben Munson

When you decide to refinance your existing home with Ben Munson, you can expect a clear and detailed process that is personalized to your needs:

  • Detailed Worksheet: A clear and detailed worksheet showing all potential costs involved with refinancing.
  • Break Even Analysis: A break-even analysis to help you decide if refinancing is the right choice for you.
  • Personalized Service: Tailored advice to ensure you make the right decision.
  • Experienced Guidance: Two decades of experience dedicated to ensuring you have a great refinancing experience.
  • Easy Document Uploads: An easy-to-use website for scanning and uploading documents.

About Tidewater Mortgage Services Inc.

At Tidewater Mortgage Services, we offer a wide variety of loan products, giving you numerous options tailored to your needs. Our goal is to help you find the right loan by considering factors such as how long you intend to keep your home, your current financial situation, and any expected changes in your finances.

Our Commitment

We exist to provide significant personal and professional opportunities to all our stakeholders. For borrowers, we aim to make their homeownership dreams come true. For realtors and other referral sources, we strive to be a trusted partner contributing to their business success. For our associates, we offer opportunities for personal growth, development, and a satisfying work environment. For our shareholders, we aim to deliver a return on investment at target levels or better.

Our Goal

Our ultimate goal is to improve our customer’s lifestyle so boldly that they couldn’t imagine going a different way.

Ben Munson, Senior Loan Officer at Tidewater Mortgage Services, Inc.

Ben Munson
Senior Loan Officer
NMLS ID 528739 • VA License # MLO-32668VA • NC License #I-183207

Cell: 757-869-2683 •  Fax: 757-605-4219
Address: 200 Golden Oak Ct., Suite 100 • Virginia Beach, VA 23452
Website: • Email:

Corporate Headquarters

Tidewater Mortgage Services, Inc.

200 Golden Oak Court, Ste. 100 Virginia Beach, VA 23452
Direct: 757-498-7400 | Fax: 757-498-7435
NMLS # 71158 | Branch NMLS # 71158

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