ALCOVA Mortgage | Midlothian, Richmond, VA
Showing You The Way Home
Richmond, VA
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... Show More
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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
Mortgage Refinance
Time Zone
Eastern Standard Time (EST)
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