Licensed in:
Visit:
Mobile:
Office:
I am originally from...
This is what excites me about assisting people with their home loans...
My favorite local activities are...
Some of my go-to movies are...
My favorite local hangouts are...
Here are some local organizations I support...
My dream vacation is...
With extensive experience in the mortgage industry, Robert is dedicated to helping clients achieve their homeownership and financial goals. Specializing in a wide range of loan programs, he offers expert guidance for:
Whether you're a first-time homebuyer, a veteran, or a self-employed borrower, Robert is committed to finding the right loan solution tailored to your unique needs!
A reminder of the 3 out-of-pocket costs that you will incur during the purchase process (a refinance only requires the appraisal):
1. Earnest Money Deposit (EMD) – This is a good faith deposit that you will give to your agent to put down toward the purchase of your home at the point in which the contract is accepted. This is usually less than 1% of the purchase price and typically as low as $500 (negotiable). Our loan underwriter will require proof that this was withdrawn from your account (so you can get credit for it toward your required down payment at closing). Please be sure that you write a check from one of the same accounts that you provided to us on the application. After it clears, we will need to see a copy of the cleared earnest money deposit check along with a statement or bank-stamped activity printout showing the funds were paid through that account.
2. Home Inspection – This is a thorough visual inspection of the structure and components of a home to find items that are not performing correctly or items that are unsafe. This inspection is not required but recommended. We do not need a copy of this report. Should you choose to get one, the cost is normally $450 paid directly by you to the home inspector at the time of services rendered (typically by personal check).
3. Appraisal – An expert opinion of a certified, state-licensed appraiser used to value a property. An appraisal is required by all mortgage lenders to determine that the sales price is in line with the home’s value. This cost is normally $550. We will order this report for you using the credit card authorization that is part of the loan document package. We will only do this once our underwriter gives us the green light to do so, and we typically like to wait to be sure that the home inspection (should you choose to get one) is cleared of concerns before ordering the appraisal (after all, you don’t want to pay to know the value of something that you don’t want to buy).
If there are funds due from you at closing, the title company/closing attorney will require a cashier’s (bank check) from the same account that you have verified through us on your application. Please do not use any unverified accounts or undisclosed gifts to pay for your cost to close.
If you encounter a special situation or have any questions or concerns please give Carol or Ryan a call ASAP so we can discuss and put your mind at ease. We want you to have a comfortable process and communication is key!
Robert took time to meet with me face-to-face and answer all my questions and calm my fears and doubts. It makes a huge difference when talking about a huge loan.
Very responsive to email questions
Robert has always been great and working with him is so easy!
ALCOVA Mortgage LLC | NMLS ID#40508 | www.nmlsconsumeraccess.org | Licensed in AL, AR, CO, DC, FL, GA, IL, IN, KS, KY, LA, MD, MI, MO, MS, NC, NJ, OH, OK, PA, SC, TN, TX, UT, VA, WA, WV | 308 Market Street SE, Roanoke, VA 24011 | 855.462.5268 | Georgia Residential Mortgage Licensee# 42101 | Licensed by the N.J. Department of Banking and Insurance
© 2026 ALCOVA Mortgage, LLC. All rights reserved.
