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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Alcova Mortgage really, really, really, made our home buying and refinance a comfortable and easy process.Ryan Charles and his team made sure to always reach out and make sure we were up to date on the loan process. I can go on and on about...

Ryan Charles and his team are simply the best! If you are shopping for a loan for a home purchase or to refinance an existing one, they are fast and efficient, get you to closing on time and are a pleasure to work with. I can't say enough good...

Ryan and Carol were extremely helpful and knowledgeable through the entire homebuying process. They are very easy to get in touch with on short notice and truly want the best for their clients. I would definitely choose Alcova in the future....

Ryan Charles and his team were phenomenal. So good to deal with. They know how to explain the best option for the buyer and you receive the attention and the communication you would want during the stressful time of buying a home. I can't recommend...

Reply from Owner

January 29th, 2021 12:00 AM

Thank you for your review, Jeremy! We were so happy to help you on your home buying journey!

I can’t say enough good things about this organization. Ryan Charles is so easy to work with and his knowledge of the industry and current market conditions is phenomenal. I will use him and Alcova mortgage for all of my future transactions....

Reply from Owner

January 29th, 2021 12:00 AM

Thank you for this stellar review, Jon! We enjoyed working with you, too!

Ryan and his team make the process of buying home and refinancing very easy to understand. I would highly recommend Ryan Charles to anyone looking to purchase their first home or looking to refinance their current home. Tripp Lawson

Like everything else in life, we have to make decisions. Some decisions are relatively easy and mundane, such as what color socks to wear. Others, such as selecting a mortgage broker, take a little time, thought, and effort.Selling, buying,...

I have now had the pleasure of working with Ryan and Carol twice. My first experience with them as a first time home buyer was such a stellar experience that it was a no-brainer to work with them again. This most recent time they helped me...

Reply from Owner

April 29th, 2025 12:00 AM

Thanks for your continued trust, Alaina! You were a pleasure to work for both times!

Ryan and team were very easy to work with. Ryan patiently explained each option for our refinance situation and made recommendations we had not even considered. The process start to closing was very smooth, efficient and professional. Will...

Ryan Charles made our first home buying experience as comfortable as possible. Showing up at our closing to make sure everything went smoothly, answering questions all hours of the night, etc. We were so impressed w the way he treated us, that...

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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

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