ALCOVA Mortgage | Midlothian, VA Commonwealth Centre Pkwy, Midlothian

I was referred to Doug from a friend and couldn't be happier with my experience! I was purchasing a home on a relatively short timeline, and Doug made sure I was alerted anytime I needed to provide any information, and always kept me up-to-date on the status of my home loan. I will recommend Doug to anyone buying a home!

Alcova Mortgage is knowledgeable, patient, accessible, honest, and always has the best interests of their clients in mind. We have used Alcova Mortgage services several times and have always had a great customer experience.

Ryan and Carol were amazing during our initial home purchase and then several years later for a refinance. Ryan is extremely knowledgeable and took time to explain everything and give sound wisdom. Carol is organized, articulate and incredibly helpful. I would definitely recommend this team!

My boyfriend and I recently used Ryan Charles with Alcova for our lending needs. Ryan & Carol made the process so much less painless than we expected! They are a wonderful team to work with. Cannot recommends them enough!

I had the pleasure of working with Ryan and Carol again this year as I refinanced my home. I originally used this same company/team over 2 years ago when I purchased my first house. It was a fantastic experience both times and would highly recommend this professional, kind, experienced, dedicated, and knowledgable team to anyone looking to buy a new home or refinance. Ryan and Carol I appreciate all the hard work and wish I could give more than 5 stars!

I highly recommend Ryan and the Alcova team. They have handled a new mortgage and refinance for our family. Both transactions were super smooth and efficient. They are on top of everything, and provide great communication every step of the way. Very clear with letting us know our options, and also letting us know what was required from us. Ryan has gone above and beyond many times to ensure that we are getting the best loan and rate. I would easily recommend them to anyone looking for a mortgage or refinance in the Richmond, VA area.

Ryan was communicative, honest and patient. We called him numerous times over the course of almost a year on prepping our credit, down payment, everything to ensure our house buying went without hiccups. He was on the ball and jumped through hoops to ensure everything went off without a hitch!

Ryan and his team (Carol!!!) are simply AMAZING. I went through them for my first home loan application not knowing much about the process and they entertained all my questions, concerns and explained the process thoroughly. Very patient, courteous, friendly, they are simply the BEST. Carol is amazing too! She runs the behind the scenes of the loan process and she responds to all questions promptly. I love this team. Highly recommended! and I forgot to mention they are extremely knowledgeable of anything mortgage and home loans.

My wife and I had a farm property come up for sale that we were interested in; knowing larger lots can be tricky to finance we quickly called Ryan to get his advice and proceed with pre-approval. Ryan and Carol were fantastic all the way... due to the "structure" that WE were looking for we ended up having to go through a different lender which we were sad about HOWEVER it was Ryan and Carol and their team that laid the foundation for our contract/purchase.... they had us pre-approved quickly, communicated each step of the way, and offered advice and suggestions for different loan structures etc....even though we were unable to use their financing we could not have completed our purchase if not for their time, assistance and effort to help us.... you will not be disappointed by choosing Ryan as your mortgage lender

Ryan and Carol were fantastic, patient, willing to answer all questions and work around our hectic lifestyle to help us get this done in not only a timely manner, but an efficient one as well. I cannot recommend them highly enough for assisting with your mortgage needs. Wonderful experience!

Ryan Charles is extremely knowledgeable and easy to work with. I've used him twice now and I'm amazed at how comfortable throughout the process I've been. He is a true professional that has in the past advised against refinancing because it didn't meet my best interests! If you're looking for a professional that has your best interests at heart I highly recommend using Ryan and his team!!