Nicola  McCloskey, "Mortgage Minded 9-9 Mon- Sun" (Home Loan Zone Inc)
NMLS #266532

400 N Ridge Rd

Suite 200

Henrico , VA 23229

Licensed Mortgage Professional NMLS 266532 Home Loan Zone Inc., is licensed and regulated by the Virginia State Corporation Commission Company NMLS # 1173347 Company(

Get to know Nicola McCloskey


•·        Upfront and honest

•·        Listen to your needs

•·        Process and complete your loan process in under 4 weeks keeping you informed every step of the way

•·        Only out of pocket expense will be for your appraisal

•·        Close your loan at your kitchen table around your schedule


I am the President of HOME LOAN ZONE INC.  I have been in the mortgage industry for over 10 years helping clients purchase and refinance their dream homes in Virginia.  I take the time to educate my clients on the loan process and the products currently available on the market. It is extremly important to me that my clients find the best loan to fit their individual needs.

"Your Mortgage Your Way"!

Testimonials for Nicola McCloskey

  • Jamie

    Nicola was extremely helpful ensuring my house buying experience was easy and successful. She provided valuable information, advice and direction. She helped me manage this process long distance as I was moving from the west coast to the east coast.

    Thank you


    Hi Nicola!

    You again did fantastic job. As you know, we have done a number of refi's, and you by far are the very best. We definitely are recommending you to our friends and coworkers. Thanks again for all your hard work on our behalf. It was a pleasure working with you again.

    Take care/met



    We wanted to take this opportunity to thank you for a stress-free refinancing process. We appreciated your attention to our goals, your creative scenarios for accomplishing those goals, and the timely completion of the process at our convenience. But the icing on the cake was a sense of friendship and camaraderie that emerged as we worked through the process together.

    We value and respect your rare customer service and professionalism, and hope that we have an opportunity to work with you again. We will certainly recommend your services to others without hesitation.

    All the best!

    Diane Sandford and Michael Stueben

    Falls Church, VA


    Dear Nicola,

    We wanted to let you know how impressed we were with your knowledge, expertise and professionalism during our mortgage process. You were constantly leading the never-ending communication and handled some of the hiccups we had with so much efficiency. We are so grateful to know you and to have worked with you. Thank you for your time, thoughtful words and for taking care of business! We will continue to recommend you to those in need of your services.

    You are an amazing asset to your company and we have an amazing asset as you for a friend. We wish you the best professionally and personally and look forward to keeping in contact over the years. Thank you once again for all you've done and for having such wonderful character.

    Warm Regards,

    Trent and Stephanie Overboe



    I wanted to thank you for everything this past month. I really went into this without a clue as far as how the process really worked. I needed someone that I could trust. After I had talked to about 6 or 7 people I began to take a second listen to you. It seemed to me that the others talked at me not with me. You did a very good job of listening to my needs and filling them. You gave me your time and patience and I thank you for it. As I said before I would not hesitate to forward you name to any of my friends.

    Thanks again for everything,



    I would like to give kudos to and recommend highly Nicola McCloskey for any mortgage financing or refinancing needs one might have. From her very first contact, resulting from a inquiry, Nicola was very responsive. Throughout that first week, a critical time period for obtaining new business, she was persistent in making contact, determining my needs and desires, and quickly putting together an attractive refinance package at the best interest rate available to me. Locking that rate did not cost me. Nicola was always available, persistent, kind, and quick to reply to any questions I had during the loan application process. She made it clear that she was not going to allow any fees or charges become a surprise to me at closing and to give me the very best deal possible. When another offer came along with a lower interest rate but with less clear terms that left me feeling pressured and uncomfortable, I felt very comfortable in having Nicola review their GFE and giving me her opinion; I never felt mislead. I subsequently was able to dismiss the offer from the other firm with particular reasons for doing so. When technical problems caused some difficulties in communicating via e-mail, she patiently faxed the required paperwork to me and directed the effort to completion in a timely manner. Nicola even eliminated a small but unwarranted charge in having a check mailed to me. In summary, I have nothing but praise for Nicola for handling my mortgage refinance with professionalism and a that needed personal touch that made working with her and THM a pleasure.


    David E. Reese



    Just a short note to say thanks for your outstanding support on the recent action to refinance my house. Your courteous and prompt responses to our questions with the detailed information we needed to make critical decisions were very helpful. You closed the deal in what we thought was record time, especially given the market conditions.

    It was a great pleasure working with you. I will be recommending my friends and acquaintances who may be considering a refinance action to you. You made what could have been a stressful event a satisfying and rewarding one.

    My very best wishes for continued success.

    Warm regards,

    Roy E. Beauchamp



    It was a pleasure during business with you again. You did an excellent Job

    keeping me informed and explaining my options. I am very please with the

    service you provided my family and I with

    refinancing, and getting a second mortgage. You always told us the truth and

    was always upfront about the fee and rates available. I have dealt with many

    other mortgage companies before and I never received the personal service

    you provided me. Being in the military, there are many junior personnel that

    seek my advice on finance and mortgages, I will highly recommender them to

    Nicola. I will also continue to use Nicola for any mortgage need that I may have in the future. I rate your

    service A+, I am very satisfied. Thank you and God Bless you!!

    Winston A Cotterell



    While shopping to refinance my mortgage recently I spoke with about ½ dozen representatives of brokers and direct funders. Most of those I contacted were lax about returning my calls; one was intent on scolding me when asking basic questions; and all but one was very rigid about finding the right mortgage for my situation.

    Just as I had almost come to accept the "attitude" as part of the process mortgage seekers had to endure, Nicola McCloskey returned my call. Her's was a very pleasant and personable approach. She made us feel like she was "on our side". She listened to our specific needs and worked to get a loan that would meet them. When we needed to contact her, she was either immediately available or got back to us promptly. Often, we exchanged emails almost to the point of instant messaging. No question was too "basic". She ran and reran funding scenarios on our request. She took the time to make sure we fully understood terms, forms and process. She even phoned us during the closing to make sure all was going well.

    I highly recommend Nicola to any mortgage seeker that wants to be treated like a valued individual (or couple). She would be a bad fit for those who would rather deal with an automated response phone system.




    It is with great pleasure that I write this email to you Nicola.

    When I was searching for a Mortgage company to refinance my home, Ms. McCloskey was the only person from such a company that went over and beyond her way to help me. She not only got me the best deal she helped to clear off a creditor on my credit report that was hanging on for over Five Years, which should have been taken off with a Bankruptcy in 2002. She always answered all my emails and phone calls in a timely manner.

    In the future as things get better with refinancing homes, I hope to refinance again and will definitely be using Nicola's services.

    Your happy client.

    Linda Ligon-Dart



    I had to write you a quick note, working with you was a true pleasure. You went the extra mile to help us look at all the possible financial scenarios. You never pushed but you stayed in touch. You were completely honest, knowledgeable, and tireless in helping us find the loan that was best for us. You are truly a professional, courteous without fail, quick to return calls no matter how busy. I never felt rushed, yet when I was ready to move with our refi, you made all go quickly and smoothly.

    Your manner of customer care is a rare find and I look forward to passing your name along to friends.

    All the best,

    Rita MacDonald



    I can hardly find the words to say for the wonderful customer service that I received from you. You would always kept me informed of the entire process. Whenever I called you, you were always there and if not you would return my call right away. This was the easiest refinancing that I have ever done. The process was so fast. I will recommend you to my friends.

    Thank You



    Dear Nicola

    Thank you for your fantastic service on our loan refinance. It was a pleasure to work with you again. We appreciate your professionalism and commitment to providing us the best loan terms possible and incredible customer service. We were amazed by the speed in which you were able to close our loan from calling you on the phone to sitting down with you at closing! And all the paperwork was flawless!

  • DH

    I just wanted to thank you again for all of your help with my refinancing!
    Oh my goodness - what a difference this has made for me.
    You can't even begin to understand.
    I hope you have a great holiday season and thank you so much for everything!


    Service Areas (3)
    • Richmond, VA
    • Richmond City, VA
    • Grey Oaks, Glen Allen
    • Twin Hickory, Glen Allen
    Specialties (9)
    • Buyers
    • Condos/Townhomes
    • Investment Properties
    • Luxury Homes
    • Military Relocation
    • New Construction
    • Renters
    • Residential
    • Sellers
    Languages (1)
    • English