If you are looking for a property outside of Virginia, let us refer you to a great Loan Officer.  ALCOVA also lends in:​

Maryland                 Florida            Washington DC

North Carolina      Georgia            Alabama

South Carolina      Tennessee       West Virginia

​​​ALCOVA Mortgage - Midlothian

Testimonials
596499
' Ryan is extremely knowledgeable, and is always in contact through the whole mortgage process. He made the entire process worry free, and any time a ... more '
5.0/5.0
by tonyyoung1230
556207
' I don't typically write reviews, but in this case I have too. Ryan Charles exceeded my expectation in every possible way. Follow up, follow through, ... more '
5.0/5.0
by krob44robinson
502712
' I cannot say enough about how impressed I was with Ryan. A lot of people over promise and under deliver. Everything he said he would do, he delivered ... more '
5.0/5.0
by user2240735

​​​​Providing low-cost residential mortgage financing utilizing Conventional, FHA, VA, USDA, & VHDA loans for real estate purchase and refinance transactions.  "Where communication counts!"


The ALCOVA Midlothian difference:

Where most lenders have 1 book of business that they represent, we have 19 investor relationships (Wells Fargo, Chase, SunTrust, BB&T, etc.) that allow us to shop for the lowest rates and best loan program for each client.   We are all either salaried employees or paid a flat percentage of total loan volume, so unlike many others in our industry, we have no financial interest in pushing clients toward one loan program versus another that may be a better fit for them. Furthermore, we  have no ownership stake, joint ventures, marketing agreements with any Realty or Title companies, etc., so when you are referred to us by an industry professional you can rest assured it is because we are the best people for the job, and not because anyone else is getting something in return.  We have a proven track record in the business, but don't take our word for it... we invite you to read our client testimonials: