Pre-qualify Now


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 Carroll 

Sr. Loan Officer

NMLS# 513125


1 Park West Circle Suite 106,

Midlothian, VA, 23114

“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 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 Carroll

My name is Clay Carroll and I am a loan officer for the Richmond branch of First Home Mortgage Corporation. I pride myself on being a top professional in the marketplace with more than 13 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.


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 First Home Mortgage Corporation 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. Each member of our team is focused on delivering customer service that not only fulfills goals, but exceeds expectations. In the end, we provide the mortgage you need to make “Home” happen, but it’s the people who are always “First”.

Work Experience 



Loan Originator NMLS 513125

First Home Mortgage Corporation

2016 - Present


Loan Originator NMLS 513125


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.


Mortgage Banker NMLS #513125


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

Purchase, Renovate, Refinance


Your home is one of the biggest investments of your life. At First Home, we understand the care and achievement involved in making a house your home, which is why we offer personalized services for every borrower.


Buying a Home 

Becoming a homeowner comes with a lot of rewards, as well as added responsibility. Deciding to make such an important purchase is specific to your lifestyle. Here are some benefits and considerations you should discuss with your Loan Officer before you begin the buying process.



Refinancing is a possibility to improve your current mortgage. It means getting a new loan, with new terms, and using that money to pay off your old loan. Your Loan Officer can help explain why refinancing might be the right option for you.


For More information click here


Renovation and Construction 

A renovation loan can help fund home improvements, allowing you to turn a house into your dream home. If you’re a buyer who’s found a home with great potential, but needs some repairs, First Home can provide a loan for the purchase and renovation costs.  If you’re a current homeowner who’s interested in making updates that would enhance the look and layout of your house, a renovation might be the solution.

For More information click here


Our Process 

While buying a home can appear complicated, it is our job to ensure it is as seamless as possible. The loan process begins with an initial consultation with your Loan Officer. Together, you will outline goals and assess your financial situation. This will provide a better understanding of the mortgage amount you may qualify for.


Here’s what you can expect from start to finish.


Loan Options 

As a home buyer, your mortgage is specific to your situation and lifestyle. First Home Mortgage specializes in a variety of loans that can meet your needs. Your Loan Officer will explain your options and deliver a mortgage with the best loan terms available.


For more information click here


Disclosure:  This is not a guarantee to extend consumer credit as defined by Section 1026.2 of Regulation Z. Programs, interest rates, terms and fees are subject to change without notice. All loans are subject to credit approval and property appraisal. First Home Mortgage Corporation NMLS ID #71603 ( ). Clay Carroll NMLS ID 513125 Licensed in VA. Equal Housing Lender.


NOT ACCEPTING NEW YORK APPLICATIONS. First Home Mortgage Corporation of America, First Home Mortgage Services, and First Home Mortgage Company of Maryland are d/b/a's of First Home Mortgage Corporation. First Home Mortgage Corporation is licensed in Connecticut, Delaware, District of Columbia, Florida, Georgia Residential Mortgage Licensee (Lic. #23135), Indiana, Kentucky, Maine, Maryland, Massachusetts Mortgage Lender and Broker (Lic. #MC71603), Michigan, New Hampshire, Licensed by the New Jersey Department of Banking and Insurance, North Carolina, Pennsylvania, Rhode Island Licensed Lender and Broker, South Carolina, Tennessee, Virginia, West Virginia. Equal Housing Lender. First Home Mortgage Corporation NMLS ID #71603 ( Privacy Policy.

Clay Carroll

Sr. Loan Officer

1 Park West Circle, Suite 106, Midlothian, VA 23114

NMLS# 513125