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 and the team were amazing to work with. They were very communicative and were on top of everything. They worked hard to meet the short deadline. Best in the business!
Reply from Ryan Charles
March 24th, 2026 08:06 PM
I’m glad to hear about your positive experience, Stephanie. Staying communicative and meeting deadlines is a priority for me and the team. Thank you for acknowledging the effort we put in to make the process smooth. If you ever have further...
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Ryan is the consummate professional. Extremely knowledgeable, approachable and understanding.
Reply from Ryan Charles
March 24th, 2026 12:45 PM
Thank you for your kind words, Erica. I strive to provide knowledge and support to make each interaction as helpful as possible. Should you have any questions or need assistance in the future, please feel free to get in touch.
Ryan was great to work with, we are hopefully never buying another house but we will be recommending him to friends and family who do.
Reply from Ryan Charles
March 13th, 2026 03:27 PM
I'm grateful to hear that you had a positive experience working with me, Alicia. It's fantastic to know that you feel confident recommending my services to others. If your friends or family have any questions down the line, or if there's anything...
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We cannot say enough great things about Ryan Charles and his team at Alcova Mortgage. They are always there for us — and for every client we confidently send their way.Ryan is incredibly responsive, quick to answer questions, and takes the...
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Reply from Ryan Charles
February 20th, 2026 01:35 AM
I greatly appreciate your thoughtful words, Andrew. Being able to support you and the clients you refer is something I take seriously, and I’m glad to hear that my responsiveness and attention to detail have made the processes less daunting....
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I couldn't be happier with my refinancing experience with Ryan! This was my second time working together, and once again, he exceeded my expectations. Ryan's professionalism, efficiency, and ability to secure great rates are remarkable. He...
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Reply from Ryan Charles
February 12th, 2026 01:05 PM
It's truly rewarding to hear that your refinancing experience was so positive, Trever. Working with you a second time has been a pleasure, and I'm glad I could help exceed your expectations. Keeping you informed and ensuring a stress-free process...
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Ryan was a very pleasure to work with and made the whole process easy to do .
Reply from Ryan Charles
February 6th, 2026 05:02 PM
I appreciate your feedback, Kathleen. I'm glad to know that working together felt easy for you. If there's anything else I can help with, please don't hesitate to reach out.
Ryan and his team made the process so smooth and easy. They gave me updates as my loan progressed through each stage of the process. Everything turned out as planned and we are thrilled to be in our new home. Thanks again Ryan!!
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Reply from Ryan Charles
February 2nd, 2026 01:54 PM
It's great to know that the process seemed smooth and well-coordinated for you, Barry. Keeping you updated along the way is something I prioritize, so I'm happy to hear it contributed to your positive experience. I'm pleased things turned out...
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Ryan was helpful , straight forward and easy to work with
Reply from Ryan Charles
February 1st, 2026 02:12 PM
Thank you for your kind words, Ian. I aim to make the process as straightforward and supportive as possible, so I'm pleased to hear that it was a positive experience for you. If there's anything else you need, just let me know.
The communication and the preparation and planning it took to accomplish this ! Was great !!
Reply from Ryan Charles
January 27th, 2026 01:16 PM
I'm grateful for your feedback, Pablo. It's rewarding to know that the communication and planning met your expectations. If there's anything else I can assist with, feel free to reach out.
Communication was excellent throughout the process, even dealing with a new location out of state. No delays, no hiccups, very pleased with how everything went- thank you Ryan!
Reply from Ryan Charles
December 7th, 2025 09:12 PM
I'm glad to hear that the communication was effective and that the process went smoothly, even with the added complexity of handling an out-of-state location, Gregory. Your satisfaction is important to me, and I appreciate you taking the time...
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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