Kim Thagholm
NMLS ID# 482595
Sr. Loan Officer


4444 Germanna Hwy.
Suite 195
Locust Grove, VA 22508


  • Licensed In: VA

Kim is a highly customer centric Senior Loan Officer with more than 11 years of experience in the finance industry. She provides an unparalleled commitment to assisting and advising home buyers in making the best mortgage decisions. The ultimate result is that she consistently leads her clients to successful home ownership.

Her extremely high level of expertise as a mortgage professional, both in the home mortgage purchase and refinancing mortgage processes, allows her clients the assurance that she provides correct and sound advice in today’s strict lending environment. In addition, ALCOVA Mortgage provides very competitive home loan rates, fees and closing costs to facilitate the purchase of your new home or refinance your existing mortgage.

Kim bases her business (as well as her personal life) on a strict policy of honesty, integrity and trust. Her driving mission is to make the mortgage process fast and easy for all involved parties. This is consistently accomplished by utilizing in-house processing and underwriting, along with timely and effective communication with everyone involved throughout the entire transaction. Kim is highly accessible and available to her partners and borrowers, including evenings and weekends.

"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.