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    Virginia Credit Union

    2.3 (6 reviews)
    Closed 9:00 am - 12:00 pm

    Services - Virginia Credit Union

    Auto loan

    Mortgage services

    Personal banking

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    Ask the Community - Virginia Credit Union

    Carolyn Flitcroft - Main Street Home Loans

    Carolyn Flitcroft - Main Street Home Loans

    (18 reviews)

    FIVE STARS!!! Top recommendation! Call Carolyn!!! I…read morereached out to Carolyn after my unexpected and ugly divorce, feeling completely overwhelmed. I desperately wanted to keep our family home so my kids could have stability in the only house they've ever known--but I didn't think I could afford a buyout. Before finding Carolyn, I had some discouraging experiences with other loan officers--one mocked me for being a federal employee and said I was a risk; another dismissed my questions with "you can Google that." By the time I connected with Carolyn, I was exhausted and despondent. From our very first call, everything changed. Carolyn's incredibly knowledgeable and knows how to navigate the complexities of loans (and divorce) - but what truly sets her apart is her heart. She is one of the kindest, most compassionate people I've ever worked with. She patiently answered every single question I had (and there were many!), never once making me feel like a burden. She kept me informed every step of the way, handled every hurdle with grace, and stayed fully engaged from start to finish. Most importantly, she gave me confidence. Instead of feeling lost or intimidated, I felt empowered--because she took time to explain everything clearly and truly acted as my advocate. To my amazement, Carolyn showed me that I could afford to buy out my ex - and helped me get a great rate! She guided me through every step of the process with care and professionalism. She came highly recommended by my financial advisor, and now I completely understand why. She didn't just help me get a loan--she helped me keep my home and create stability for my kids during one of the hardest times in my life. If you're looking for someone who's both a top financial professional AND a genuinely caring human being, CALL CAROLYN! She's a brilliant loan officer/fairy godmother - and I'm forever grateful.

    Received an exceptional service from Carolyn! Always very responsive and all paperwork was handled…read morein a timely manner, particularly within a tight timeline. So appreciate all of her help!! I would highly recommend her and Main Street Home Loans.

    Doug Adamson - Fulton Mortgage Company

    Doug Adamson - Fulton Mortgage Company

    (1 review)

    Doug can't be trusted. He only pushes what he has to sell…read more.. doesn't care about the customer or what is best for the customer. Warning... stay away!

    From the owner: Doug Adamson has over 23 years' experience in the mortgage services industry. As a Certified…read moreMortgage Planner with Fulton Mortgage Company, a division of Fulton Bank, Doug provides mortgage services to the City of Charlottesville, Albemarle, Northern Virginia, Washington, D.C., and surrounding counties. Doug. On his experience, professional values and how he helps clients: Home financing is one of the largest financial challenges-and opportunities-you face. You may be buying a home simply to avoid paying the landlord's mortgage, building your dream home or refinancing to save interest costs or consolidate debt. Whatever your purpose, when you finance strategically it can be a vital first step in accumulating an exceptionally sizeable estate. Getting off on the right foot is the key. First, do not settle for a conventional, transaction-oriented mortgage broker. Rather, go for a knowledgeable mortgage planner who understands the opportunity your mortgage investment gives you to build your wealth. You need a debt and equity management approach that integrates your mortgage into your long- and short-term wealth accumulation strategy. As we have done for over 23 years, my team and I will help you conserve cash, review ways you can capitalize on the tax-favored status of mortgage debt and help you maximize opportunities to eliminate non-mortgage debt...

    Andy Zemon - Novus Home Mortgage

    Andy Zemon - Novus Home Mortgage

    (2 reviews)

    Andy is extremely helpful, competent, professional, and patient! He provides outstanding advice on…read morethe loan process and all expenses associated with buying and selling property. I was especially impressed with the neutral way that he provided information. Rather than trying to talk a potential buyer into borrowing money, he carefully explained the costs involved with a cash sale versus a mortgage, even though it was not in his best interest to do so. I worked with Andy in his capacity as a loan officer with Novus Home Mortgage. I strongly recommend working with him, regardless of his company affiliation. He makes real estate finance less stressful and understandable. I am very happy that I had the chance to work with him!

    We started working with Andy several years ago as we began the process of home buying for the first…read moretime. He was extremely patient and helpful as he explained our options and helped us develop a plan where we were able to acquire equity. Andy was great with using layman terms and helping us walk through our options once we were ready to commit to a plan. He and his team were more than accepting of our many questions and truly helped us understand the process. We established a construction loan last year which rolled over to a permanent mortgage just a few weeks ago and we could not be happier with all Andy and his team did to help us get into our new home. We would definitely recommend this group for anyone looking for a mortgage company!

    Virginia Credit Union - banks - Updated May 2026

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