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/

Search Reviews

Write a Review

5.0

(51)

Filter by Date

Range

Filter by Rating

5 Star

100%

4 Star

3 Star

2 Star

1 Star

Experience.com

5.0

(1)

Google

5.0

(50)

Show All

Reset all filters

Ryan is the absolute best in the business! We are repeat customers and we are highly impressed with his teams ability to add a personal touch to a professional process. Ryan’s approach and interaction made us feel like family. And Carol is...

Ryan Charles and his team are the best in the business. They made our recent home purchase a dream come true. His team was on top of everything and made the whole mortgage process seem easy and seamless. I recommend Ryan Charles for all your...

Ryan and Carol were a great team to work with during the loan process. I couldn't imagine working with anyone else after the experience and treatment I received....dependable, knowledgeable and exceptional. I highly recommend team Ryan and...

Ryan and Carol recently helped me purchase my first home. Ryan was able to work some numbers and get me a larger loan than "the other guys". Ryan and Carol are sedicates to helping their clients and very helpful along the process. Very willing...

Reply from Owner

April 29th, 2025 12:00 AM

It was our pleasure, Lori! Congratulations!

Working with Ryan and Carol could not have been a better experience. They patiently answered all my questions as a first time homebuyer and made sure I understood every aspect of the home buying process.Their guidance was invaluable. I have...

The easiest mortgage process I’ve ever been through. Ryan and his team were very responsive through the entire process. Ryan even ran the numbers a few months ago when interest rates were a little higher and was honest enough to tell me it...

Ryan and Carol are wonderful to work with! They kept me up to date and informed every step of the way. They made the refinance process a breeze. I highly recommended their team!

I recommend Ryan to anyone looking for a re-fi. He is knowledgeable about the market, quick to respond to questions and provides excellent advice. Carol Richardson is also an incredible person, she made the process and paper work very simple...

Ryan and Carol made the refinance process a breeze. They explained everything clearly, and made sure we felt completely comfortable every step of the way. I highly recommend working with them if you’re buying or refinancing!

I’ve worked with Ryan and Carol twice over the past 7 years, and it has been by far the most responsive, professional and courteous experience I’ve had with home loans. They have always exceeded my expectations, and I will continue to go back...

21–30 of 51

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

View All

Search Rank ScoreLearn More →

What is the Search Rank Score®?

Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.

Time Zone

Eastern Standard Time (EST)

Licenses

NMLS ID#624077

Disclaimer