Home Loan Zone Inc. is a Richmond, Virginia based mortgage company that offers high quality mortgage services to residential clients. Our mission is to help turn today’s dreams of homeownership into tomorrow’s reality. We focus on providing personal and specialized services to meet your specific needs through educating you on our full range of loan products and terms. This helps you make the right decisions to achieve your goals.  Once you select the loan that is right for you, we will keep you informed throughout the entire loan process.

We work with many investors, allowing us to offer you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, FHA, VA and USDA. 

We also offer a Flex Term mortgage, where you get to select your own mortgage term. Ideal for those who want to refinance and not add extra years to their mortgage.


Meet The Owner

Nicola McCloskey (NMLS # 266532)


I have been in the mortgage industry since 2005 and am very passionate about my career as a Mortgage Educator.  I am a strong believer in making a client feel at ease by listening to what they have to say and make it an open stream of communication.

Customer service is top priority here at Home Loan Zone Inc. Our goal is not just to do business with a client once, it’s to be a partner with them and their agent in all of their real estate endeavors.

Contact us directly today and let us know how we can help you with your home buying or refinance process.





Address & Driving Directions:
400 N Ridge Rd, Suite 200, Henrico, VA 23229

Voice: 855-340-LOAN

Fax: 866-246-7409