Carol Richardson

Loan Officer

ALCOVA Mortgage | Midlothian

5.0

(51)

Mortgage

Mortgage Loan Officer

Contact Info

(804) 857-9393

Richmond, VA

https://alcova.com/loan-officer/crichardson/

https://alcova.com/branch/midlothian/

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As a second time home buyer, words hardly describe how greatful I am for Ryan Charles. His quick work and outstanding communication far exceeded anything I've experienced in the past. I hope to work with him again in the future, as well as...

Ryan came highly recommended and we could not imagine a better experience. He made us a priority, answered all of our questions (and we had a lot), and worked hard to make our closing seamless. We also felt appreciated for the prep and time...

She was very professional, available day/night, and whenever she wasn't near her phone she got back to me very quick. She was very knowledgeable of her job and it seems as if she has a passion for helping people not only doing it solely for...

Reply from Carol Richardson

March 31st, 2025 09:04 AM

Thanks so much for completing the survey! It was a pleasure working with you on your first new home purchase and I’m always here if you need me!

Ryan has twice now made the home buying process easy and fast. He shares knowledge and provides good insights. Alcova is the way to go every time. They stay on top of you and make sure everything is in good proper order by close.

Reply from Owner

April 29th, 2025 12:00 AM

Thanks for the kind words, Ryan. Greatness must go with the name. :)

Ryan Charles made us feel like we were his only customer. He helped my wife and I buy our first home and walked us through the process end to end. Many people say that buying a home is tough but with Ryan and his team of experts it was almost...

Reply from Owner

April 29th, 2025 12:00 AM

I appreciate your kind words, Davis. And a beautiful first home, it is!

Ryan Charles of Alocva Mortgage is knowledgeable, patient, accessible, honest, and always has the best interests of his clients in mind. We have used Ryan's services several times and have always had a great customer experience.

Reply from Owner

April 29th, 2025 12:00 AM

Thanks so much Gerry. What a great and loyal client you have been. I can't thank you enough!

The team at ALCOVA helped us purchase a home in a short two weeks! They are knowledgeable, friendly and will explain documents that will allow you to feel comfortable making the largest purchase in your life. Ryan and the team will guide you...

Reply from Owner

April 29th, 2025 12:00 AM

All gas, no brakes! :) Thanks for the kind review, Mary. It was our pleasure.

Ryan was phenomenal!! We are a military family and he was knowledgeable on both VA loan and conventional. He was able to work with us, all Virtually, since we were buying out of state. Ryan was in constant contact and quick with an answer to...

Reply from Owner

January 29th, 2023 12:00 AM

Thanks very much for the kind words, Jess. It was our pleasure! Welcome to VA :)

Ryan was communicative, honest and patient. We called him numerous times over the course of almost a year on prepping our credit, down payment, everything to ensure our house buying went without hiccups. He was on the ball and jumped through...

Reply from Owner

April 29th, 2025 12:00 AM

Thanks Kelsey. It was our pleasure to do it!

Ryan and Carol were fantastic, patient, willing to answer all questions and work around our hectic lifestyle to help us get this done in not only a timely manner, but an efficient one as well. I cannot recommend them highly enough for assisting...

Reply from Owner

April 29th, 2025 12:00 AM

We appreciate the kind words, Patrick!

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About

Most companies start with a business plan. ALCOVA Mortgage started with a friendship. Bound by a common background and inspired by a passion to serve, childhood friends Bobby Nicely, Billy Siple and Rob Lindstrom dreamed of one day starting a business. ALCOVA Mortgage began humbly in southwestern Virginia and slowly grew to serve more states in the Mid-Atlantic and Southeast. In 2008, ALCOVA weathered one of the largest financial downturns in American history only to expand and grow stronger. Today, ALCOVA continues to thrive, largely because of its roots in a friendship and the passion to serve.

Products & Services

Mortgage Loan Officer

FHA Home Loan

VA Home Loan

Jumbo Home Loan

Specialities

Conventional Home Loans

VA Home Loans

FHA Home Loans

USDA Home Loans

First Time Home Buyer Loans

Down Payment Assistance