Village Bank

TowneBank opened in 1999 and is now one of the largest banks headquartered in Virginia. Founded in Hampton Roads, locations now stretch from the coast to Richmond and central Virginia, and in North Carolina from the Outer Banks to Charlotte. Our bankers can help you with both business and personal banking services. Along with our talented and experienced bankers, the Towne family of services includes mortgage, insurance and investment specialists who can help you with all of your financial needs. Throughout our growth, we have never lost sight of our roots: local decision-making, community leadership, volunteerism, philanthropy and a culture of caring.

Presidential Mortgage has an array of purchase products such as VA, FHA, USDA, VHDA, and conventional loan programs. Our processing and underwriting are done in-house, which makes for a smooth loan process. Along with our purchase products we also have a full line of refinancing products.

Ben Farmer is a Small Business Banker in the Richmond, VA region. With over 20 years of experience in the banking industry, Ben specializes in helping both consumers and small businesses navigate their financial needs—from everyday banking to more complex lending and cash management solutions. His passion is building strong, lasting relationships and being a trusted partner his clients can count on. Ben attended Hampden–Sydney College, where he obtained his BA in Psychology with a minor in Sociology. He and his wife live in Midlothian, VA, with their three children and dog. In his free time, Ben enjoys attending and cheering on his kids at their various sporting events, as well as cheering on his hometown Atlanta Braves.