Carol Richardson
Loan Officer
At ALCOVA Mortgage, we believe getting a mortgage should feel personal—not transactional. Whether you're buying your first home, moving into your next one, refinancing, or exploring your home equity, our experienced mortgage professionals a... Show More
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My wife and I had a farm property come up for sale that we were interested in; knowing larger lots can be tricky to finance we quickly called Ryan to get his advice and proceed with pre-approval. Ryan and Carol were fantastic all the way......
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Reply from Owner
April 29th, 2025 12:00 AM
Thanks Keith!
Ryan and Carol were professional, courteous, and always available to answer questions promptly. Although any refinancing requires many documents, the overall process through ALCOVA went much more quickly than anticipated. We would highly recommend...
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Reply from Owner
April 29th, 2025 12:00 AM
Thanks for the kind review, Suzanne!
Ryan's the best! We chatted with him over a few months about a refinance on our home. He kept us in the loop on when to lock in as the rates were dropping. Once we get our interest rate low, we locked and it was a smooth process from there....
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Reply from Owner
April 29th, 2025 12:00 AM
We appreciate it, Ritchie!
Ryan and his team (Carol!!!) are simply AMAZING. I went through them for my first home loan application not knowing much about the process and they entertained all my questions, concerns and explained the process thoroughly. Very patient, courteous,...
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Reply from Owner
April 29th, 2025 12:00 AM
It was all our pleasure, Maria Jose! Thank you!
Ryan Charles is extremely knowledgeable and easy to work with. I've used him twice now and I'm amazed at how comfortable throughout the process I've been. He is a true professional that has in the past advised against refinancing because it...
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Reply from Owner
April 29th, 2025 12:00 AM
We appreciate the kind review, Kevin!
Hey, wait a minute... aren't you the guy who hit that game winning shot at the buzzer many years ago?
Ryan Charles and Carol Robertson provided outstanding service when obtaining a mortgage. They answered all questions extremely quickly and made the mortgage process easy. They are a great team! Ryan even answered questions over the weekend!...
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Reply from Owner
April 29th, 2025 12:00 AM
We never shut off! Thanks for the kind words, Samantha.
Just finished a refi with the most amazing team. Ryan and Carol made the whole process completely painless and the end result was better than expected. Constant communication made us feel we were their only client. Highly recommended to us...
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Reply from Owner
April 29th, 2025 12:00 AM
Aww, thanks so much, Beth!
Working with Ryan and Carol was a great experience from the start! Extremely thorough and responsive along with securing a GREAT rate. Very happy with them and will be recommending Alcova to my friends and family.
Reply from Owner
April 29th, 2025 12:00 AM
We appreciate your trust, Kathryn!
Ryan and Carol were fantastic. Ryan's advice really helped us confidently navigate an unusual home buying process. I would definitely recommend them to friends and family.
Reply from Owner
April 29th, 2025 12:00 AM
Thanks Lucas!
I highly recommend Ryan and the Alcova team. They have handled a new mortgage and refinance for our family. Both transactions were super smooth and efficient. They are on top of everything, and provide great communication every step of the...
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About
At ALCOVA Mortgage, we believe getting a mortgage should feel personal—not transactional. Whether you're buying your first home, moving into your next one, refinancing, or exploring your home equity, our experienced mortgage professionals are here to provide personalized guidance every step of the way.
We take the time to understand each borrower's unique needs, answer questions, and help make the financing process as smooth and straightforward as possible. With a wide range of home loan options and a commitment to clear communication and exceptional service, we're here to help you move forward with confidence.
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
Jumbo Home Loans
DSCR Loans
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS ID#624077
Disclaimer
ALCOVA Mortgage, LLC | NMLS ID# 40508 | (www.nmlsconsumeraccess.org) | 308 Market St. SE, Roanoke VA 24011 | 855.462.5268 | Georgia Residential Mortgage Licensee# 42101 | Licensed by the N.J. Department of Banking and Insurance