Emile Salib
NMLS ID# 1102635
Loan Officer


3317 W. Hundred Road
Chester, VA 23831


  • Licensed In: VA

I come to ALCOVA Mortgage with 22 years of extensive experience in real estate and property management, coupled with over 20 years in accounting and real estate investments. I have a sincere passion for real estate, which with ALCOVA’s full array of lending programs, superior technology and in-house processing and underwriting, allows my customers and business partners to know that their transactions will be handled properly, efficiently and with on time closings.

I am fluent in four languages: Spanish, English, French and Arabic, and happily serve all communities. I welcome the opportunity to speak with you on any mortgage related topic and show you how a true professional conducts their business.

"To simplify the mortgage process and build long-term trust with every client."

ALCOVA Mortgage was founded in 2003, born out of a Passion to Serve!  Since inception we have helped over 15,000 borrowers reach their home financing goals.  We have over 40 offices located throughout the Eastern United States staffed by our professional and highly-trained team members, who on average have over 10 years each of mortgage industry experience!  We offer a broad product range that includes FHA, VA, USDA, Conventional, Manufactured Housing, Reverse Loans, Home Rehabilitation,  and an In-House Construction Product.  

Because residential mortgage loans have our full concentration and we treat every customer like family, our service levels are outstanding! Better than what you may find at a bank, credit union, or other financial institution.  We make it easy to do business with us— All of our initial consultations are done free of charge with no obligation.  We have several tools available to make your home loan experience as convenient to your schedule and lifestyle as possible, regardless if you prefer to work in-person, over the phone, or through the internet.  

Whether you are looking to refinance an existing mortgage for a lower payment, utilize equity in your home for an important purpose, or purchase a new home—we want to be your GO TO Lender!  If you have a challenging situation, we welcome the opportunity to work with you.  We are passionate problem solvers and our goal is quite simple — to help you reach yours.


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