Jean-Michele Wareham
NMLS ID# 208377
Sr. Loan Officer


20 Ashby Street
Warrenton, VA 20186


  • Licensed In: VA

I have been a loan officer since September 1996.  I began at the oldest bank in the Commonwealth of Virginia, where I worked for 9 1/2 years, sharing my loan duties with managing a branch.  I left the bank in August 2003 to concentrate solely on residential mortgage loans.  I enjoy helping people obtain the loan best suited for them, whether the loan be for a purchase or a refinance.  I enjoy working with both first time buyers and seasoned home owners.

"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.