Heidi Richey
NMLS ID# 1167696
Branch Manager - Loan Officer


9694 Madison Blvd.
Suite B 3 & 4
Madison, AL 35758


  • Licensed In: AL, TN

My career in the financial industry began as a Real Estate agent in 2005.  From there, I worked hard and received my Associate Broker License in 2009. Since then, I have held positions as a Loan Processor, Loan Originator Assistant, Mortgage Loan Originator and Branch Manager.  My education and experience is very well rounded and I have a complete understanding of the industry and market trends. It is incredibly rewarding to be a part of the home buying experience.  As a Loan Officer with experience in multiple positions within the mortgage industry, I have the knowledge and expertise to walk you through the entire mortgage process.

DAWN FRANKLIN   |   Loan Coordinator 

NMLS ID# 1386969
256.799.0285 (D)  |  256.810.3573 (C)  |  256.971.2227 (F)


I have been in the mortgage industry since 1991.  With my 25 years of experience in this industry, I offer much knowledge and experience.  I love this job and all of its rewards.  We get to see our borrowers getting the home of their dreams.  We help our borrowers refinance their homes to help them save money for their families.   These are the best rewards.  My goal is always to work hard for each borrower no matter the situation.  



"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.