WELCOME!

Hello! I’m your dedicated home loan professional, Clay Carroll. Whether you’re ready to refinance, renovate or buy a new home, I’m here to help guide you through the process. I offer smart, affordable loan options to help you achieve your goals.

“Clay is a detailed oriented professional who is very hands on. He provides exceptional customer service and puts his clients first by offering the best mortgage programs specific to an individuals need. Its a pleasure working with Clay.”

“Clay is extremely personable and easy to work with. He expeditiously facilitated the refinancing of my home, all of the while informing me of the various options and rates. He is super friendly and helped simplify an often complex process!”

Clay Carroll

Senior Home Loan Consultant 

NMLS# 513125

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Ccarroll@mainstreethl.com

Clay Carroll

My name is Clay Carroll and I am a senior home loan officer for Main Street Home Loans, a  Division of NFM. I pride myself on being a top professional in the marketplace with more than 15 years of mortgage-lending experience. I am very knowledgeable about the various home loan products available, including those for first-time homebuyers as well as jumbo, VHDA, FHA, VA, renovation and refinance loans.

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I work with some of the top real estate agents in the area to deliver a world-class experience. Referrals are the heart of my business, so I appreciate your help in spreading the word about my services.

From application to closing, at Main Street Home Loans we take the time to understand the needs of our clients in order to find the best solutions, whether it’s a first time buyer or experienced home owner. 

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Each of our Home Loan Consultants are trained to help our clients navigate through the countless home loan products in order to place them in the home loan that’s right for them.  We are honored to be with you on your journey from Main Street to Your Street.

Work Experience

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Senior Home Loan Consultant - NMLS 513125

Main Street Home Loans

2019 - Present

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Loan Originator - NMLS 513125

 First Home Mortgage Corporation

2016 - 2019  (3 years) 

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Loan Originator - NMLS 513125

PrimeLending

October 2013 – 2016 (3 years) Richmond Area, Virginia

Specialising in purchase loans, with the ability to do Renovation Loans, One Time Close Construction Perm Loans, FHA, VA, VHDA, Conventional, refinances, and just about any residential product out there.

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Mortgage Banker NMLS #513125

Chase

January 2011 – October 2013 (2 years 10 months) 3900 Westerre Parkway, Richmond VA 23223

Purchase A Home

Congratulations! If you are thinking about purchasing your first home, the home of your dreams, or an investment property, you have started an exciting journey. This is a big step.

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We will work with you to ensure you understand all of your options and obtain competitive rates, all while maintaining a high-level of customer service and constant communication throughout the process.

Refinance Your Home

Looking to save money on your current mortgage or harness the power of your home’s equity?

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Let us show you the benefits of refinancing to help lower your interest rate, consolidate debt, reduce monthly payments, or shorten the term of your current loan.

Contact

Clay Carroll

Senior Home Loan Consultant 

NMLS# 513125

Phone: 804-614-6515

Ccarroll@mainstreethl.com

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Park West Circle, Midlothian, VA 23114

Main Street Home Loans is a Division of NFM, Inc. dba NFM Lending, NFM NMLS 2893. NFM is an Equal Housing Lender. Some products and services may not be available in all states. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. (http://nmlsconsumeraccess.org). We value your opinion and we thank you for visiting this website or NFM, Inc. If you have specific questions, comments or concerns we encourage you to email us at (info@mainstreethl.com. Emails received during business hours, should receive a response within 48 hours, excluding weekends or holidays.