

Ryan Charles
Branch Partner

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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24 hours
Wed
24 hours
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24 hours
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Reviews from Web
Ryan was incredibly supportive throughout the mortgage process and always made himself available whenever we reached out by text or email. He took the time to answer all of our questions and address any concerns we had about buying a home.Thanks...
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Reply from Ryan Charles
June 2nd, 2026 12:49 AM
Thank you, Dave, for your kind words. I'm happy to know that I could support you throughout the mortgage process and be available for your questions and concerns. If there's anything else you need, please feel free to reach out.
Ryan was on top of everything. Responding quickly to any of my questions. Made the whole process seamless.
Reply from Ryan Charles
June 1st, 2026 02:07 PM
I'm glad to hear that I could make the process seamless for you, Cynthia. It was a pleasure to assist and respond quickly to your questions. If there's anything else you need, please don't hesitate to reach out.
Our refinance process was incredibly smooth. Ryan promptly answered all our questions and made the entire process seamless. His support staff is equally excellent and responsive.
Reply from Ryan Charles
May 30th, 2026 09:20 PM
I'm thankful for your positive feedback, Deanna. It's great to hear that the refinance process went smoothly and that my support staff and I could assist you effectively. If you have any more questions or need further assistance, please feel...
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Ryan was so helpful and patient with us as first time buyers
Reply from Ryan Charles
May 20th, 2026 12:15 PM
I'm pleased to hear that you found my assistance helpful and patient, Michael. It's great to know I could support you as first-time buyers. If you have any more questions or need further assistance, feel free to reach out.
Ryan was excellent to work with! Whenever I had a question he was quick to get back with me with answers that he made sure I understood. When talking with Ryan you know he has great experience and feel well taken care of. Highly recommend your...
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Ryan has been amazing from start to finish. As a first time home buyer, we had so many questions. He answered all of them easily and was always there for us. He's made this whole process a breeze!
Reply from Ryan Charles
May 16th, 2026 12:17 PM
I'm grateful for your kind words, Eden. It's nice to know that I could make the home-buying process smoother for you as a first-time buyer. I'm happy to have been there to answer all your questions and support you every step of the way.
Ryan was very inclusive and informative. He answered the phone at inconvenient times and provided us with all of the information to help us. Continue moving forward! He was easy to talk to and found all the answers to every question we asked....
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Reply from Ryan Charles
May 2nd, 2026 08:01 PM
Thank you for your kind words, Katie. I'm glad to know that my inclusivity and dedication made a positive impact on your experience. It's important to me to be accessible and provide all the information you need. If there's anything more I...
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Ryan is one of the most professional, knowledgeable, communicative, and kind people I've ever interacted with in a professional setting. He has been an absolute joy to work with and made the process of purchasing my home as easy as is possible....
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Reply from Ryan Charles
May 1st, 2026 01:03 PM
I'm truly grateful for your kind words, Amanda. It's appreciated to know that my professionalism and communication helped make your home-buying process smoother. Working with you has been a pleasure, and I'm happy to have been part of your...
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i am so thankful to have been introduced to Ryan year ago when I started this journey Ryan has been knowledgable, professional, and guided me step by step of the mortgage process, Ryan took time to answer every single one of my questions throughly,...
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Reply from Ryan Charles
April 5th, 2026 02:31 PM
It's been a pleasure assisting you throughout your mortgage journey, Kathy. I'm grateful for your trust and am pleased to know that my guidance and thoroughness made the process feel manageable for you. If any further questions arise or if...
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Ryan was amazing! Best mortgage experience we ever had! He was so responsive and communicative and we had no surprises along the way! highly recommend!!
Reply from Ryan Charles
March 30th, 2026 01:37 PM
It's wonderful to know that you had such a positive experience, Anne. I’m pleased that my responsiveness and communication made your mortgage process smooth and transparent. Your recommendation means a lot to me. If you ever need anything in...
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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
Jumbo Home Loans
DSCR Loans
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS ID# 247505
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