Log In  |  Contact Us  |  Help

Tammy Demick is a lifelong native of the Eastern Panhandle of WV with 32 years of local mortgage banking experience.  Tammy is very knowledgeable in all types of home mortgage loans and she specializes in USDA, VA and FHA Mortgage loans. Tammy will find the best product for your situation and can help first time home buyers navigate the mortgage loan process. BCT and Tammy Demick can help make your dream of owning or building a new home come true with our no hassle common sense mortgage process. Tammy is happy to make herself available for appointments that meet your needs.    (NMLS # 520136)

Welcome to my website. I look forward to putting our mortgage services to work for you!

Whether you are looking to refinance, purchase a home or build your dream home; let me guide you through the process. BCT offers great mortgage products and we are eager to satisfy your financing needs for 1 to 4 Unit Primary Residences, Investment Properties & Second Homes.  Our products include:

  • Fixed Rate
  • ARM (adjustable rate mortgage)
  • Construction/Permanent loans with one closing
  • USDA Rural Development (RHS)
  • Veteran's Administration (VA)
  • Federal Housing Administration (FHA)

I offer ease and convenience with my experience to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.

Purchasing a new home? Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer.
Applying for a loan? Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, you can check loan status at your convenience.
Remodeling your home? If you are planning on remodeling your home - be it a kitchen, bathroom or backyard - you can contact one of our mortgage professionals who will help find the right loan for you.


Log in

Contact Information
Tammy Demick
Office: (304) 262-0089
Cell: (304) 283-5189
Email: Send Email
Copyright © 2019 Bank of Charles Town
Privacy Policy  | Security Statement