Our Team

TLC Settlements, LLC
Meet The Team

Meet Our Team

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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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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.