I had no idea what a mortgage broker was, or why I would need one. Ryan was not just professional,…read morebut patiently walked us through answers to every question we came up with. I do not like financial institutions, and I thought that working with a mortgage broker would be uncomfortable, at best. This was not the case. At no point did I feel like he was talking down to me or pressuring me into anything, and the whole experience was very positive. He walked us through the pre-approval process, produced all the necessary paperwork, interpretted the legalese of the loan and the 'good faith' payment, and set up everything we needed, so that come closing day the mortgage was taken care of. All we did was sign papers and get the keys. After closing, I realized that, because he gets paid by the lender, we had received the convenience of his services without giving him a cent. That seems like a pretty great deal, to me! It kind of seems too good to be true -- to get top notch professional services for nothing. If you're not sure whether a mortgage broker is right for you, give Ryan a call. He will walk you through the process patiently, and you may realize that he's exactly the person you need!

From the owner: We're an independent mortgage company and we represent your best interests, not the big banks…read more We've been in business for over 20 years and we thrive on providing our clients with an outstanding mortgage experience. With offices in Blacksburg, Marion, and Abingdon we serve clients throughout Virginia. We've built our business by being an advocate for our clients and always keeping their best interest first and foremost above all else. We'll take the time to understand your mortgage and finance objectives and then thoughtfully provide mortgage options, clarity, and advice on the how to meet and exceed your goals and ultimately get you the best interest rate possible. We don't have the overhead like the big banks and mega lenders have, which saves us money and we can pass those savings on to you.

I used Kelli Mowbray (Salem office) 3 years ago and my experience was great. Everything went…read moresmoothly with the purchase of my first home. However, my son and daughter-in-law went with the Roanoke office and their experience has been horrendous. Not only did their agent NOT let them know that he did not have employment verifications until 1 day before their initial closing date, but he had told them they were pre-approved for a VHDA loan and, 1 week AFTER their first anticipated closing date, they find out that they were not approved after all. Seems their agent made a mistake... one of many. Their closing date was moved to get the employment verifications and have everything processed only to find out this heart-breaking information. So now, their agent has told them it "shouldn't be a problem" getting an FHA loan before their closing date in 2 weeks. Let's hope he gets this right. They are currently - thanks to this mortgage agent's screw-ups - homeless because their apartment lease ran out October 1(They were initially scheduled to close on 9/26) and are now sleeping in our guest room with all of their things in our garage. They contacted management over a week ago - and then the corporate offices - and have had no response from either. We were anticipating refinancing our home with Atlantic Bay in the next couple of months. However, after the experience that my son and daughter-in-law have had, I believe we shall go with someone else.

Don't use this company!! It was a night mare from day 1 dealing with them. I am a realtor so I know…read morehow things should flow. Very poor communication with me as a buyer. Could never get a straight answer from them. Had to constantly email them and call them to get status of my loan commitment. Three days before scheduled settlement they still were not ready and never sent closing disclosure to my agent - I had to send it.. I should have used lender I had contacted first and not went with builders lender - Atlantic Bay.

I made my monthly payment online. However, because Alcova's online portal is so confusing. I…read moreplaced the payment amount again in the Escrow field. This caused me to make a double mortgage payment which caused me to pay overdraft fees to my bank. (I am sure they have this set-up this way to confuse consumers). I never received a payment confirmation. Therefore I could not catch this. I wrote to Alcova Mortgage and explained what happened. They sent me a nasty letter with bogus documents stating that I had recieved payment confirmation. However, I never recieved the payment confirrmation and can prove this with my google email. They are now charging me an nsf fee, This is the worst mortgage company to deal with.

Answered all my questions. Informed me when rates dropped so I could lower my rate a little and…read morelock in.

If I could give zero stars I would. Minimal communication, and when I try to contact the broker I'm…read morelucky to get a response. The only communication we get is when they need something from us. When we have a question here lately we get no response. I feel like they are intentionally avoiding us at this point. And they blame every delay on someone else when in fact they have been the delay on more than one occasion. We are on the verge of losing the contract because of the 6weeks worth of delays.

From the owner: ALCOVA Mortgage LLC | NMLS#40508 | (www.nmlsconsumeraccess.org)…read moreALCOVA Mortgage strives to make your home purchase or refinance simple. We offer FHA, VA, USDA, Conventional, Construction and Home Improvement loans. We offer an easy online application and personal assistance from our loan officers who will guide you every step of the way. Unlike traditional banks, we have the flexibility to work around your schedule and shop around to find the loan that best suits your needs. ALCOVA has an A+ rating with the Better Business Bureau, has being recognized as one of America's Fastest Growing Privately Owned Companies by Inc. 5000, and has been inducted into the Ellie Mae Hall of Fame for Exceptional Achievement in Business Growth.

I met with the owner, Brian, regarding a house mortgage. He was very knowledgeable and provided me…read morewith good information. He prequalified me for a loan and told me he'd email me with a list of things I needed to get a full approval so I could make a bid on a house. He never sent that email. I sent him follow up emails and never received a response. I don't know if he's just flakey with contact or if he changed his mind and decided he didn't want to work with me? Either way, it was very unprofessional and a waste of my time. Additionally, I've started receiving junk mail about home loans and nobody else who knows I'm looking at houses has my home address, so I think he might have sold my info...

Dave was so great to us. Right from the start of the process he was so patient with us and really…read moreexplained every step. We felt that he really had our best interests in mind, especially when it came to locking in the rate and the timing on that. He was wonderful about giving us answers to things that we wouldn't have even considered asking. We felt completely taken care of, supported and secure through the whole process. We are extremely grateful for Dave, and everything he did for us. Couldn't recommend him enough!

From the owner: Our team focuses on securing your financing quickly in the neighborly fashion one expects from a…read morelocal team.