Our Team

TLC Settlements, LLC
Meet The Team

Meet Our Team

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Phone: 540.636.0055 ext. 105
Email: [email protected]

Tracy L. Bowers

Settlement Agent & Title Underwriter

Tracy was born and raised in Front Royal, graduated from Warren County High School in 1988. A fun fact about her is she received the Outstanding Business Student Award in High School which led to her career in real estate. With 32+ years experience in banking and real estate paralegal, and the last 22 years as a real estate settlement agent; Tracey enjoys exceeding clients expectations.

What People Say
  • I have used TLC Settlements for years! These ladies are second to NONE!! Always close on time! Tracy spends time explaining documents to buyers and sellers, always professional!! Strongly recommend these girls! They have closed cash transactions for me in as little as 72 hours notice!! THEY ROCK!!!
  • I’ve had the pleasure of working with Tracy at TLC for many years. Professional, always ready to go that extra mile to accommodate my clients.
  • Tracy is honest, dependable and always willing to help!!
Charity & Giving Back

Through her employment with TLC Settlements, LLC she supports the “Reaching Out Now Program” that feeds over 50 families in the local community 3 times a week.  She has also supported “The Hope Closet” that donates clothing and hygiene items for children in need through the school systems, and “Operation Santa” which provides candy that is delivered by the fire department in their community to the children on Christmas Eve. She has supported the “Phoenix Project” that helps with domestic abuse in our community, “The Warren County Builder’s Association”, “The Front Royal Little League”, and “Warren County Girls Softball Association” and many other events throughout the year in the local community.

On A Personal Note
When Tracy is not working she can be found spending time with her two grandbabies Keira and Montgomery and spending as much time as she can with family! She has always had a close knit family and cherishes the bond they have!
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Phone: 540.636.0055 ext. 104
Email: [email protected]

Lucy Beaty

Senior Title Underwriter

Lucy lived and graduated from High School in Romney WV, then moved to Front Royal, VA in 1969, she also took business and sign language courses at Lord Fairfax Community College. Fun fact, loved working on car engines and drag racing at Summerduck Drag Strip in the 1970’s. Lucy worked as a bookkeeper after high school graduation for 1 year, a project manager for a construction company for 2 years, an Exec Secretary to Director of a mortgage department for a credit union for 2 years, mortgage processing, underwriting and a loan officer for 14 years and has been a Title Insurance Underwriter 18+ years.

What People Say
  • She is wonderful and goes above and beyond to assist and/or get you any information you may need!
  • She is a lady with patience (after all she is Christy’s Mom, LOL and never acts like you’re an inconvenience or troublesome!!”.
  • “When working with Lucy people say she is very personable and professional”.
Charity & Giving Back

Lucy supports and involved with the “Thermal Shelter for the Homeless”, the “Reaching out Now” programs and church ministries. She is also involved in Bible study classes with her church.

On A Personal Note

When she’s not running the title company, Lucy can be found reading and listening to music, cooking and enjoying meals with her family and friends. She loves spending time with her great-grandson and Simba, his pet Geiko watching MANY episodes of Psych, and spending time with her grandchildren.

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Phone: 540.636.0055 ext. 108
Email: [email protected]

Christy Grady

Office Manager & Settlement Processor
Christy was born and raised in Front Royal. She is a graduate of the class of 1993 from Warren County High School. Christy has been in the mortgage industry since she was able to work at the age of 16 as a file opener / processor in the mortgage department of Navy Federal Credit Union. She started her title company journey at a local title company in Front Royal in 1998 and she hasn’t looked back since. Along with others she went on and opened their own title company in 2004. Christy specializes as a settlement processor holding the clients hand from the very beginning until she has met all the title requirements to pass on to the closer. She also doubles as the office manager which involves handling the everyday operations of running of the business.
What People Say
  • She is sharp with very quick response time.
  • She was always on my side working to make our house purchase or selling as simple as possible.
  • She is very knowledgeable in her line of work.
  • She takes the time to go over everything and make sure you understand.
  • She takes pride in her work to make sure everything is complete, seemless and done efficiently in a timely manner.
  • She goes above and beyond to do what she can to make sure everything is done in a timely manner, even if there is a “problem file”
Charity & Giving Back

Christy tries to support as many community organizations as she can. The business as a whole volunteers as much as possible and donates to the “Reaching Out Now Program” that feeds over 50 families in our local community 3 times a week. She has also supported “The Hope Closet” that donates clothing and hygiene items for children in need through the school systems and Operation Santa which provides candy that is delivered by the fire department in their community to the children on Christmas Eve. She has supported the “Phoenix Project” that helps with domestic abuse in the community, in cooperation with “The Warren County Builder’s Association”, “The Front Royal Little League”, and the “Warren County Girls Softball Association”. She participates in many other events throughout the year in her community.

On A Personal Note

When she is not running the title company, Christy enjoys spending time with her husband of 26 years and spending time with her kids. She has two grand dogs, Atlas and Toby. Her family is her world. She enjoys spending time at the gym, playing wallyball, and running. Her goal is to try to stay healthy to be here stronger than ever to see her grandchildren one day. She enjoys family Sunday dinners with her son and his girlfriend and mother/daughter days with her daughter, and it goes withouth saying… date nights with her hubby.

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Phone: 540.636.0055 ext. 106
Email: [email protected]

Michelle Fauver

Settlement Processor

Michelle was born and raised in Warren County, graduated from Warren County High School class of 1998, and just recently moved to Shenandoah County VA in March of 2020. Fun Fact: She is crafty! She can pretty much make something out of anything. She has been employed at TLC since they opened the business in 2004. She has 17+ years in the business. Michelle is a settlement processor and also a licensed title underwriter for Virginia. She has worked on the back-end administration of getting files cleared and ready for closing. She also performs many other tasks in the office – TEAMWORK!

What People Say
  • I’ve worked with Michelle for many years. She is quick to respond,
  • She is knowledgeable and very helpful.
Charity & Giving Back

Michelle supports her daughters’ local FFA Chapter. Both of her girls really enjoy all of their involvement and time with the FFA Chapter through their school in Warren County, VA. It is important to them so it makes it important to her and she enjoys supporting the FFA in any way she can. Through her employment with TLC Settlements, LLC she supports the “Reaching Out Now” program that feeds over 50 families in the local community 3 times a week. She has also supported ‘The Hope Closet’ that donate clothing and hygiene items for children in need through the school systems, and “Operation Santa” which provides candy that is delivered by the fire department in our community to the children on Christmas Eve. She has supported the “Phoenix Project” that helps with domestic abuse in their community, “The Warren County Builder’s Association”, “The Front Royal Little League”, and “Warren County Girls Softball Association” along with many other events throughout the year.

On A Personal Note

When she’s not working she enjoys time with her husband and her 5 children (YES FIVE). Michelle also loves her cat; Bobbi (she acts like a dog), she was a stray that they adopted. She enjoys redoing furniture making it chic and shabby and doing craft projects in her spare time. She loves going to second-hand stores and antique stores with her twin sister.

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Phone: 540.636.0055 ext. 110
Email: [email protected]

Patty Custer

Compliance & Policy Documentation

Patty was born and raised in Strasburg. She graduated in 1989 from Strasburg High School (Go Rams). After graduation, she moved to Front Royal, VA. In 2000, she and her husband built their home in Middletown and that is where they still reside. She has worked at TLC Settlements for 4 years now. Patty is the newest member of the TLC Family. She has known these ladies for years even before she became employed here with two of the owners being lifelong friends. Her duties include: opening the new contracts when we receive them, completing the compliances after closing, and assisting with the Final Policies once the documents have been recorded at the courthouses.

What People Say
  • When working with Patty, she is wonderful and always so friendly.
  • She always has a smile on her face. Patty is a joy to work with.
  • She never fails to brighten our office.
Charity & Giving Back

Through Patty’s employment with TLC Settlements, LLC she supports the “Reaching Out Now Program” that feeds over 50 families in our local community 3 times a week. She also supports “The Hope Closet” that donates clothing and hygiene items for children in need through the school systems, and “Operation Santa” which provides candy that is delivered by the fire department in the community to the children on Christmas Eve. She has supported the “Phoenix Project” that helps with domestic abuse in their community, “The Warren County Builder’s Association”, “The Front Royal Little League”, and “Warren County Girls Softball Association” along with many other events throughout the year in her community.

On A Personal Note

When she is not working at TLC Settlements, she loves spending time with her family and friends. Patty has  been with her husband, Rodney for 22+ years now. Her greatest accomplishment is she gets to be called Mom and now Maw Maw. She have two dogs and one cat. Her mother came to live with her two years ago after she was diagnosed with Alzheimer’s. Life can be hard and hectic at times, but she wouldn’t change it for anything. Patty can honestly say that she and Rodney  are truly blessed with the best of friends who are family to them. She always says that “blood doesn’t make you family”, and she truly believes this saying!

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Rated Best Title Company in Front Royal, VA

When buying, selling or refinancing your investment, TLC Settlements, LLC believes that every transaction is important – no matter how big or how small.

TLC = Tender, Loving, Care

Let us show you what our five-star service is like.