Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
Proudly serving clients across Virginia and North Carolina.
Renovations loans are my passion. With America’s aging housing, there is more and more need for renovation financing, and it’s my goal to make sure every homebuyer out there knows that this opportunity exists. I started my mortgage career in 1973 and worked on the operations side until 1983, when I became a Loan Originator. I am very knowledgeable about VA, FHA, and Conventional loans, with a specialty in renovation loans.
Very fast, efficient, professional, and helpful. Found the best option for me. Very kind and professional. Tricia Leah CAMDEN, NC May 09 Rating: 5.0 out of 5.0 from Encompass
Very fast, efficient, professional, and helpful. Found the best option for me. Very kind and professional.
was amazing. I will use her numerous times over and over. Natashia ELIZABETH CITY, NC May 08 Rating: 5.0 out of 5.0 from Encompass
was amazing. I will use her numerous times over and over.
Fairly easy process, everyone was up front with us about what we needed to do. Michael ELIZABETH CITY, NC May 05 Rating: 5.0 out of 5.0 from Encompass
Fairly easy process, everyone was up front with us about what we needed to do.
Cola Galvin made it great! Love her! PERCY GRAHAM Edenton, NC April 06 Rating: 5.0 out of 5.0 from Encompass
Cola Galvin made it great! Love her!
From day one, Cola Gavin helped me get a better rate with no fees like other lenders. She helped explain any processes I was unclear on, and responded very quickly. She helped make this first-time home buyer experience seamless. Would strongly recommend Cola Gavin and Homespire! Stephanie Newport News, VA April 03 Rating: 5.0 out of 5.0 from Zillow
From day one, Cola Gavin helped me get a better rate with no fees like other lenders. She helped explain any processes I was unclear on, and responded very quickly. She helped make this first-time home buyer experience seamless. Would strongly recommend Cola Gavin and Homespire!
Cola was very helpful in every way. When I had a question all I had to do is to call her. She made it seem very simple. She was the one that made my purchase of this house happen almost 12 years ago. I would recommend her to anyone that needs a professional to act as your agent. Thank You Cola! Paulingle571 Chesapeake, VA April 03 Rating: 5.0 out of 5.0 from Zillow
Cola was very helpful in every way. When I had a question all I had to do is to call her. She made it seem very simple. She was the one that made my purchase of this house happen almost 12 years ago. I would recommend her to anyone that needs a professional to act as your agent. Thank You Cola!
Cola is one in a million! The type of service you just don’t get anymore. Passionate hard working, extremely focused on getting the mortgage closed AND at the best price for you. Amazingly, covers all bases at the same time. Very rare, if you ever get the chance to work with Cola , you will understand. Wouldn’t do another mortgage without her. Tony Suffolk, VA April 03 Rating: 5.0 out of 5.0 from Zillow
Cola is one in a million! The type of service you just don’t get anymore. Passionate hard working, extremely focused on getting the mortgage closed AND at the best price for you. Amazingly, covers all bases at the same time. Very rare, if you ever get the chance to work with Cola , you will understand. Wouldn’t do another mortgage without her.
Cola was great to work with! She was proactive, approachable, and easy to get ahold of. Doug VIRGINIA BEACH, VA December 24 Rating: 5.0 out of 5.0 from Encompass
Cola was great to work with! She was proactive, approachable, and easy to get ahold of.
Cola's knowledge and professionalism! LIN R. VIRGINIA BEACH, VA December 14 Rating: 5.0 out of 5.0 from Encompass
Cola's knowledge and professionalism!
Very responsive and supportive. Great communication from the team. Michael NAGS HEAD, NC November 04 Rating: 5.0 out of 5.0 from Encompass
Very responsive and supportive. Great communication from the team.
Always communicated what was needed and gave information in a timely fashio. Jana NAGS HEAD, NC November 04 Rating: 5.0 out of 5.0 from Encompass
Always communicated what was needed and gave information in a timely fashio.