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

' 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 '
by tonyyoung1230
' 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 '
by krob44robinson
' 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 '
by user2240735

Click the USDA image to read 

about the latest changes to the 

rural product that we specialize 

in funding.

Ryan is the ​highest rated & most reviewed Loan officer in the "804"

​​Read our most recent reviews by clicking the Zillow image here:

​​​​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, or anything of the sort 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 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: