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.
Contact us for information about your loan or payment.
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.
Rating: 5.0 out of 5.0 from Encompass keeped me in the loop BRENDAELIZABETH CITY, NC Jul 16
keeped me in the loop
Rating: 5.0 out of 5.0 from Encompass Cola , Is the best for sure very knowledgeable. And she always answers her phone. JonathanWoodbridge, VA Jul 16
Cola , Is the best for sure very knowledgeable. And she always answers her phone.
Rating: 5.0 out of 5.0 from Encompass Cola was very accommodating. I didn't know anything about the process of buying a home and she guided me through with patience. JustinCamden, NC Jul 16
Cola was very accommodating. I didn't know anything about the process of buying a home and she guided me through with patience.
Rating: 5.0 out of 5.0 from Encompass Cola Galvin is the sweetest lady, very hard-working and experienced. She was very understanding of my inexperience since I am a new agent working on the purchase of my own home. She gave me great advice on what was best and also basically held my hand throughout the whole process. I will definitely be recommending her to my clients and family for m... CoreyVirginia Beach, VA Jul 16
Cola Galvin is the sweetest lady, very hard-working and experienced. She was very understanding of my inexperience since I am a new agent working on the purchase of my own home. She gave me great advice on what was best and also basically held my hand throughout the whole process. I will definitely be recommending her to my clients and family for m...
Rating: 5.0 out of 5.0 from Encompass Cola's vast knowledge of the lending industry and her helpful attitude towards every transaction. Cola is one of the best. JamesChesapeake, VA Jul 16
Cola's vast knowledge of the lending industry and her helpful attitude towards every transaction. Cola is one of the best.
Rating: 5.0 out of 5.0 from Encompass Cola and the team. JarquesNorfolk, VA Jul 16
Cola and the team.
Rating: 5.0 out of 5.0 from Encompass Cola kept on top of things and made sure we were posted to what was happening. Cola is what makes this company! JaniceToano, VA Jul 16
Cola kept on top of things and made sure we were posted to what was happening. Cola is what makes this company!
Rating: 5.0 out of 5.0 from Encompass She is so knowledgeable and pleasant -- excellent service! MelindaChesapeake, VA Jul 16
She is so knowledgeable and pleasant -- excellent service!
Rating: 5.0 out of 5.0 from Encompass Cola was absolutely amazing. She kept in constant contact with us to keep us updated on every step of the buying process. She answered all of our questions in a timely manner and was very supportive KristinaChesapeake, VA Jul 16
Cola was absolutely amazing. She kept in constant contact with us to keep us updated on every step of the buying process. She answered all of our questions in a timely manner and was very supportive
Rating: 5.0 out of 5.0 from Encompass Cola was there to walk us through the whole process and we truly felt she had our best interests in mind! ColinChesapeake, VA Jul 16
Cola was there to walk us through the whole process and we truly felt she had our best interests in mind!
Rating: 4.8 out of 5.0 from Encompass Cola provided efficient and courteous services in assisting us to obtain a 203k loan, which we were told by several lenders and realtors, was a very difficult and messy loan to obtain. She worked around the clock to make obtaining this loan a lot simpler by pushing things through in a timely manner, and bein extremely helpful in answering any ques... TYLERElizabeth Cty, NC Jul 16
Cola provided efficient and courteous services in assisting us to obtain a 203k loan, which we were told by several lenders and realtors, was a very difficult and messy loan to obtain. She worked around the clock to make obtaining this loan a lot simpler by pushing things through in a timely manner, and bein extremely helpful in answering any ques...
Rating: 5.0 out of 5.0 from Encompass The renovation loan process as a whole was quite overwhelming, but Cola went above and beyond to ensure that it went as smooth as possible. If you are considering a renovation style loan make sure you have a loan officer who understands the process. Cola is 100% that person! WesleyDaleville, VA Jul 16
The renovation loan process as a whole was quite overwhelming, but Cola went above and beyond to ensure that it went as smooth as possible. If you are considering a renovation style loan make sure you have a loan officer who understands the process. Cola is 100% that person!
Rating: 4.8 out of 5.0 from Encompass Cola is the best communicator. Everything was clear and she was wonderful to work with. SharaHampton, VA Jul 16
Cola is the best communicator. Everything was clear and she was wonderful to work with.
Rating: 4.5 out of 5.0 from Encompass For a new investor, Cola takes the time to mentor and teach you her wealth of knowledge. KimikaChesapeake, VA Jul 16
For a new investor, Cola takes the time to mentor and teach you her wealth of knowledge.
Rating: 5.0 out of 5.0 from Encompass Gave great advice LamarVirginia Beach, VA Jul 16
Gave great advice
Rating: 5.0 out of 5.0 from Encompass Mrs.. Gavin was very helpful BrandonSuffolk, VA Jul 16
Mrs.. Gavin was very helpful
Rating: 5.0 out of 5.0 from Encompass Cola and her team are no.1 awesome service and treated as if I were a part of the company family. PaulChesapeake, VA Jul 16
Cola and her team are no.1 awesome service and treated as if I were a part of the company family.
Rating: 4.5 out of 5.0 from Encompass Cola was helpful explaining the terms to us as first time homebuyers. Whenever we had questions about hidden fees or insurance payments we did not know existed, she was available to explain everything to us. LukeNorfolk, VA Jul 16
Cola was helpful explaining the terms to us as first time homebuyers. Whenever we had questions about hidden fees or insurance payments we did not know existed, she was available to explain everything to us.
Rating: 5.0 out of 5.0 from Encompass Good communication, Cola worked hard to meet constantly changing time frame. SCOTTChesapeake, VA Jul 16
Good communication, Cola worked hard to meet constantly changing time frame.
Rating: 5.0 out of 5.0 from Encompass Cola walked us through every step and compared several different loan options so that we could find the right loan for our needs. Cola was always available when we had questions. I would and have recommended her to others. ShannonSuffolk, VA Jul 16
Cola walked us through every step and compared several different loan options so that we could find the right loan for our needs. Cola was always available when we had questions. I would and have recommended her to others.
Rating: 5.0 out of 5.0 from Encompass COLA GETS THE JOB DONE!! She’s very positive and passionate about her work and her clients. With her knowledge, experience, and prompt response times, she was able to address any questions or concerns that I had. The process was so smooth and swift. I would highly recommend Cola to anyone looking to purchase a home. ChinitaSuffolk, VA Jul 16
COLA GETS THE JOB DONE!! She’s very positive and passionate about her work and her clients. With her knowledge, experience, and prompt response times, she was able to address any questions or concerns that I had. The process was so smooth and swift. I would highly recommend Cola to anyone looking to purchase a home.
Rating: 5.0 out of 5.0 from Encompass Cola Gavin made my first home buying experience seamless. She was not only able to offer a better rate then another company, she was also very responsive and provided clarification throughout this process. StephanieNewport News, VA Jul 16
Cola Gavin made my first home buying experience seamless. She was not only able to offer a better rate then another company, she was also very responsive and provided clarification throughout this process.
Rating: 5.0 out of 5.0 from Encompass Cola's knowledge, experience and professional "hand holding"at every step along the journey led to a successfuk closing. In difficult situations, Cola digs in harder to overcome obstacals and get the job done. Thank you! GaryChesapeake, VA Jul 16
Cola's knowledge, experience and professional "hand holding"at every step along the journey led to a successfuk closing. In difficult situations, Cola digs in harder to overcome obstacals and get the job done. Thank you!
Rating: 5.0 out of 5.0 from Encompass After a little mixup, we were able to get everything done very quickly and the closing went well. Our lawyer did catch an error and was able to correct it immediately with his paralegal. KarenVirginia Beach, VA Jul 16
After a little mixup, we were able to get everything done very quickly and the closing went well. Our lawyer did catch an error and was able to correct it immediately with his paralegal.