"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.
This was our first home and we picked a great office to work with. I was always kept up to date on where we were in the process and they answered my twenty million questions without hesitation. I would definitely recommend!
I contacted Ryan Charles based on the reviews I read on Zillow. The reviews are absolutely true. Ryan and Carol and the team were very professional and guided me through the mortgage finance with great expertise, answered my questions in a thoughtful and timely way, and were personable leading to a smooth process and a positive outcome. I would use them again!
I recently bought a house and I was expecting a timely and difficult closing process because that's what I had experienced 3 years ago with my first house. The process literally was SO easy, especially with Carol being so thorough and up front about every step! From the pre-approval to the closing everything was black and white. What my realtor thought was going to take 60+ days was well under, and I couldn't be more thankful to Carol, Ryan and the entire team at ALCOVA. I will be recommending EVERYONE that I come into contact with! Thank you so much!
We have used Ryan and his team on multiple real estate transactions including purchasing a new home, selling an existing property and refinancing both our primary home and a rental property. Ryan and his team are excellent! They never hesitate to answer any questions you may have and are incredibly responsive throughout the entire transaction. The initial data collection is organized and seamless - for the most part everything is done and signed electronically. I would not hesitate to recommend Ryan and his team to others!
From start to finish, the process with Ryan and his team at Alcova was remarkable. I was recommended to Ryan through my realtor. When I first called him, he literally spent 45 minutes with me explaining the different markets in the Richmond area and answering all my questions regarding building vs re-sale. He was extremely knowledgeable and an absolute pleasure to speak with. My primary contact was Carol and she too was an absolute joy to work with. Extremely personable and very detail orientated. Far different than dealing with a large lender where you are simply a number.I would highly recommend Ryan and his team to anyone looking to buy, build or re-finance!
Mike & Gayle
We shopped multiple lenders when we were purchasing our home. We decided on Ryan Charles and Alcova Mortgage- and we are so glad we did! He had competitive rates and his communication skills were exemplary. The potentially complicated mortgage process was made easy by Ryan and his team. They were clear and concise in their explanation of the procedure and submittals that we were required to submit. They were proactive in giving us periodic status updates on our mortgage. When I had questions- Ryan and Carol were very responsive and patient- no matter how complicated or simplistic the questions were. When the closing day finally arrived- Ryan made himself available to sit in with us to explain details and clarify items and numbers, allowing the closing process to flow smoothly.If you choose Ryan and ALCOVA Mortgage, you will retain a team who's personal communication and attention to detail are unparalleled when compared with their contemporaries. We are so glad we chose them; you will too!
My experience with Ryan has been phenomenal. He was very helpful from the beginning, He responded to my injury in records time. He helped explain this company’s ways of doing things and the process that is needed to purchase a home. He and his team got us pre-approved within just a day or two after submitting our application. From there we were inconstant contact with him or the team in regards to what price point would put my fiancé and I at the price point we were looking to be at. Once we found are home and got under contract they shifted in to high gear to help us with the fast closing we were looking for. Ryan and the team remained in contact throughout the entire process letting us know what documents were needed before the file went to underwriting so there would not be any hold ups or delays in our closing date. He and the team were always polite and had excellent response time. We were able to close in roughly 30-35 days without a glitch. They made the entire process an easy and wonderful experience. Not much stress at all. If I find myself in the market again I won’t hesitate to call Ryan Charles, and use him again as my mortgage broker. I plan to recommend him to everyone I know.
Mr. Charles really impressed us from the very beginning of our interactions until our closing was complete. We had a unique and confusing financial situation and called many mortgage lenders in efforts to get clarification on what were our options. Not only was Ryan the only one who could answer our questions with accuracy, communication-wise he was the most responsive and reliable of the individuals with whom we spoke. This did not waver throughout the process of purchasing our home, and only got better as Ryan was right there to answer our many questions and calm our many anxieties associated with making this large purchase. Mr. Charles is straight-forward, honest, thorough, and extremely knowledgeable, as well as being a nice person. His assistant Carol, was also very conscientious, flexible, helpful, and kind. We are very glad we found them.
At the beginning of this year I was referred to Ryan Charles by a good friend of mine who had worked with him on her mortgage and had a great experience. When I first contacted Ryan and submitted a mortgage application, my credit was not where it needed to be. Ryan helped me work up a plan of how to get to where I needed to be and we set a 9 month goal for it to be completed. During this time, Ryan continued to check in with me to make sure I was on target. At the end of the 9 months, we pulled credit again and I was good to go with the exception of a couple things that they were more than willing to help me with. He and his teammate Carol went above and beyond to help me make my dream of home ownership happen. I just closed on my home today and it was an amazingly smooth process with their help. Most companies would have seen my credit and just said sorry, but Ryan and his team really took the time to help. I cannot thank them enough. I highly recommend him and his office.
It was pleasure for us to work with Ryan Charles and his team to get our new home. They are very professional, helpful and they make the process very easy for you.Highly recommended.
My entire 'buying a house ' experience was made so much easier with Ryan and his very capable staff. He stayed in contact with me while I was looking for a house, during the buying process and even after closing. He's a really nice person, good, honest, helpful, and genuinely caring. His knowledge in the mortgage field, and watchful eye if the market trends is ultimately what saved me money. I will always recommend him to friends and family.
My experience with Ryan and his staff was excellent! They are very friendly and caring and work very hard to keep you up to date on the whole process. Even though our loan couldn't close on time, his staff made us feel like it was just as important to them! Business with Ryan was very personal and authentic. I would highly recommend Ryan Charles to anyone.
A big thank you to Ryan and his team for creating such a positive home buying experience. From taking the time to explaining the entire process to being able to provide competitive rates, his professionalism and knowledge of the mortgage industry is unparalleled.Thank you, Ryan!
My close with Alcova was the least stressful close that I have ever had. My real estate agent was so impressed with them that he is adding them as a preferred lender. Carol updated me frequently throughout the entire process. We were so far ahead of schedule that we actually closed a week early! I am used to closing with some of the major banks and I will never do it again. I now know how customer service in the mortgage industry should be. I have a few rental properties and have close and refinance relatively frequently and I will use ALCOVA and Ryan Charles for all of my business. They really are professional, responsive and accurate.
If buying your home was not informative, smooth, fast or fun then you should have used ALCOVA Mortgage! Ryan and Carol made sure that they were there with us every step of our home buying process and helped us to learn about each step...they truly made home buying easy!
We had an excellent experience with Ryan Charles. Very professional, informative and friendly. He really took the time to answer all of our questions thoroughly and reached out to us proactively throughout the process. Highly recommend!
I am a small business owner and therefore have always had trouble getting a mortgage without jumping through multiple hoops. Ryan and his team real made the process very smooth with no sudden issues popping up. With their help we were able to close on time without the contingency of selling our existing house. Ryan's early advise on the process prepped me for what I needed to get done. This made the overall process very easy. I highly recommend Ryan and if you are planning on buying a home get him involved as early as possible. This was by far the easiest and smoothest mortgage process we have ever had. Thank you Ryan and your fabulous team of professionals.
Best lender, hands down!Ryan was absolutely amazing through the whole process and made sure everything ran smoothly and ALWAYS followed through everything! He helped us close on our home in less then 30 days, with not one set back! Ryan made the process beyond easy! I would definitely recommend him to anyone!
Ryan and his team were able to help me when no one else would. On top of that he was consistently a consummate professional throughout my lending process.
Josh and Corrie
We discovered Ryan and ALCOVA Mortgage through a referral. Finding a house can be a very stressful and anxious time. Ryan Charles and his team at ALCOVA Mortgage did an incredible job of preparing us for our loan before we ever found our house.Ryan made sure we got the best interest rate and constantly communicated with us concerning any market change. He was able to lock our interest rate before it went up the next day and always sought our best interest.Ryan Charles has been an extremely trustworthy individual to do business with and would recommend him to anyone. He took hours to meet with us to make sure we understand the mortgage process and educated us.Thanks Ryan and ALCOVA Mortgage!
I am glad I spoke to Ryan before I made my decision on purchasing my second home. Ryan and his team went above and beyond from day one through closing (getting us into our new home 10 days early!). The personal attention I received from Ryan and his team was amazing. I had every question answered the same day and there were no surprises. Ryan's patience and expertise landed us a great rate giving us a mortgage payment lower than we anticipated. We love our new home and really do owe it to Ryan, Carol and ALCOVA Midlothian Team!
Ryan was referred to us by both family and friends in the Richmond, VA area. Not only were we impressed with Ryan himself, but his staff was incredibly helpful & supportive throughout the loan process. They were diligent, responsive and ultimately got the job done with flying colors despite several bumps in the road. We are happy new home owners with a payment several hundred dollars less a month than we had initially expected. Thank you, Ryan Charles & staff!!
Ryan and his friendly and highly professional staff were there to help us through the process of buying our first home from day one through closing. Their personal attention to detail sets them far apart from any other broker or lender in the Richmond area or anywhere else. When issues arose with paperwork, etc. they were resolved within hours, not days. The entire process could not have gone more smoothly. Take the time to stop by his office next time you are buying a home and you will be glad you did.
For the last few years I have been renting nice homes, while envisioning owning one of my own. I decided to check out some of the basic requirements in order to reach that goal. After beginning that process, I contacted several mortgage companies. Eventually, a staff member of one of those companies recommended ALCOVA MORTGAGE. I decided to give them a call. It turned out to be one of the most important calls of my life! The staff of ALCOVA "lived up" to that high recommendation that they were given. They were very professional, well-informed, courteous, un-judging, and available. The branch manager, Ryan Charles, was so pleasant when I made my initial phone contact. He informed me that his associate, Carol, would be working with me. Carol was the epitome of a great mortgage staff member! She guided me step-by-step, remained patient throughout the process, and was such a kind individual. When I met with Carol, another staff member, Kathy was there to assist us as well. She, too, was very pleasant and efficient! In essence, I just can't say enough about ALCOVA MORTGAGE COMPANY! My dream of home ownership became a reality. I closed on my home on January 23, 2015!! Thanks ALCOVA!
Ryan is friendly, organized, driven, professional - and he puts in the hours to ensure his customers are receiving the best rates and service. He is also very active in the community and “in the know” regarding current developments in the greater Richmond real estate and business markets. He recommended a home appraiser to my wife and I - and took the time to follow up with us on the day of the appraisal to see how our experience was (which was something he certainly didn't have to do). Ryan really seems to go the extra mile for his clients and I'd highly recommend him.
Ryan and his support team (Kathy and Carol) certainly went above and beyond what I had expected in all steps of the process. I was recommended Ryan by my real estate agent, and I couldn’t have asked for a better mortgage company to work with. As a first time home buyer, I was not sure what to expect. Personally, I like to thoroughly understand all financial and market related details, and the team was more than willing to accommodate my desire to fully understand the process from our initial conversations through the closing. They took the time to familiarize themselves with my situation (out of state buyer) and adapted their typical workflow to meet my needs. Ryan was even at the attorney’s office for my closing to answer last minute questions that I had on the paperwork. Based on my personal experience with ALCOVA, Ryan, Kathy and Carol, I would highly recommend this knowledgeable, helpful and friendly team to anybody.
Finding the perfect house is hard enough in itself so being able completely eliminate the worry of securing a mortgage was a huge relief. Ryan and his team were very thorough in their requests for information, it was detailed so I understood what I needed to provide and why I needed to provide it. We communicated on a regular basis via email and telephone which only added to the speed and flexibility of the service. Couldn't have made it through without Ryan and his team.
It was a pleasure to work with Ryan to secure our loan. He was very knowledgeable about loan application procedures and kept us informed throughout the process. His guidance helped us obtain the best interest rate available. He continues to check with us periodically to insure that there are no problems.
Ryan is amazing! He was able to fulfill the challenge of getting my family into a home despite some challenges. He was always available to answer questions and was able to answer immediately with important and useful information. Ryan worked day and night (even weekends!) to help my family with our mortgage. I highly recommend Ryan to others who are searching for a loan officer. I cannot thank him enough.
I am always looking at reviews to help me make my decisions and contacting Ryan was the best decision I could have made. After renting a home in Virginia for 2 years we were ready to try to purchase our own home here and weren't sure where to start, especially since we are home owners in another state. Ryan was incredibly responsive and made time to talk whenever we needed. He was extremely knowledgeable and was thorough in explaining all things mortgage, home purchasing and beyond. He went above and beyond to help us and answer all questions that came up. I can not imagine going through the process without his help. He made it such a pleasant experience. I can not say enough to recommend Ryan.
Ryan was immediately able to identify challenges with my self employment situation. He offered solutions that ended with me and my family purchasing our dream home. He is also backed by a equally dedicated and responsive team !
I challenged Ryan with a very aggressive closing schedule although I still wanted to study my mortgage options thoroughly. Ryan was very responsive to numerous pricing requests, had the best price I found, and then the processing to close was very smooth and timely. We made our date. Highly recommend.
As a first time home buyer, Ryan was great in providing us with the little details and making us feel comfortable every step of the way. He also answered all of our questions multiple times and made sure that we understood every process and option. I cannot thank him enough for his time and knowledge.
Ryan and his team were amazing in helping my wife and I purchase our first home. The property was a new build and the closing date was moved up by 1 month. While it was a close one, Ryan and his team did a fantastic job pushing up the closing date and helped us close on time. I'm grateful for everything Ryan and team did to get us into our first home.
This was our second experience in dealing with Ryan, and both times we have been exceptionally satisfied. Ryan is prompt to respond to any questions or concerns you may have. I contacted him a number of times between our actual business dealings, and he was always kind, thoughtful and knowledgeable. My husband and I are both in our seventies now, and often need things explained more than once. Ryan always seemed glad to talk with us and would often stop by our house to offer help and encouragement. We never felt rushed or that any of our questions or concerns were not valid. It has indeed been a pleasure to deal with Ryan, and we are sticking with him!
Ryan Charles was extremely helpful and diligent throughout the home buying process on the mortgage end of things for us. He came highly recommended by a friend, and I in turn highly recommend Ryan's services and knowledge. He made the process easy to navigate and constantly kept us in the loop and contacted us often via email and phone with his personable spirit.
I would like to say that Ryan Charles was very helpful with regard to loan options. My questions were a little different. I was calling for my parents with regard to the sale of their home and the purchase of another with a limited time frame to get funding. He educated me on the difference of a mortgage and line of credit. He explained to me that the line of credit is the route they needed to take. He also reached out to his colleagues in the industry to help find a lender. Ryan could have easily dismissed me and my questions but chose to take time out of his day to help.
Ryan is very thorough at explaining every answer to every question I had. He even called me first to make sure if we needed any questions answered even before we went through with our first time selling a home into buying the next home. In the past he also helped us to refinance our loan.
Ryan was excellent to work with in the refinancing process - in fact we have refinanced with him 3 times! Every time we were impressed and pleased with the result! Ryan does an excellent job providing upfront information on potential costs and savings which I find very helpful. His team is efficient to work with and provides timely response to questions.
Ryan, twice, has gone above and beyond in our home buying process. Without Ryan's effort, enthusiasm, and general care for my family's well being, our buying process may not have gone as smoothly as it did. Ryan was always available to answer me or my wife's questions(and we had a lot), and each time he gave us the answers we needed in a way in which we understood them. I will continue to and am happy to recommend Ryan to my friends and family who need a home Mortgage.
Ryan Charles exceeded my expectations in helping me gain my dream home. His professionalism shows through and through. I have dealt with many mortgage brokers in the past and i can't state this enough-"Ryan is far above the rest." His knowledge of the mortgage industry is hands down the best. Thank you so much Ryan!!!
I have worked with Ryan Charles on two transactions, a refinance and then most recently a new purchase. Both times Ryan was able to get me a great rate and went above and beyond with his communication and service. He provided great advice on timing and checked in with me constantly throughout the process. If you need anything mortgage related, I recommend giving Ryan a call. I would definitely use him again.
We were referred to Ryan by our agent and am happy we took the advice. Throughout the process Ryan kept us fully informed and exceeded our expectations in terms of close time despite potential delays. Highly recommend Ryan to anyone shopping home loans.
Ryan is a pleasure to work with. He made our home buying experience extremely smooth in the area of financing. Always great with communication and extremely knowledgeable. He provided thorough explanations of market trends and gave us the best options available. Would highly recommend to anyone who is purchasing a home or in need of refinancing.
If you are in the market to purchase or refinance, the first call you should make is to Ryan Charles with ALCOVA Mortgage. He and his staff were always one step ahead of everything and made the process of a new home loan super smooth and easy!! Highly recommend anyone in the market to Ryan and ALCOVA!!!