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Meet the Team



Nicola McCloskey-Kieff (NMLS #266532 is the owner of Home Loan Zone. She has made the mortgage industry her career since 2005, starting as a loan officer and working her way up to general manager for Tidewater Home Mortgage Group in Glen Allen, where she worked for nine years before branching out on her own and opening Home Loan Zone in 2014. A native of Brockagh, a small countryside village in Northern Ireland, Nicola came to the United States in search of the American dream – and she has been in the home financing business ever since. She enjoys cooking, travel, gardening and being outdoors. She lives in the Highlands, a lakeside residential development in Chesterfield County, with her husband and daughter Clodagh.

“I take the time to educate my clients on the loan process and the products currently available on the market. It is extremely important to me that my clients find the best loan product and the lowest wholesale rate to fit their individual needs.”



Senior Loan Officer

Kristin O’Neil (NMLS #266528 is senior loan officer at Richmond’s Home Loan Zone and has been in the mortgage business since 2008. She is passionate about helping clients achieve the goal of homeownership and “wouldn’t dream of doing anything else.” She earned a bachelor of science degree in marketing from Salisbury University in Salisbury, Maryland.  A native of Mount Sinai, New York, Kristin loves to travel but has called Richmond home since 2009. She and her husband, Corey, have a young son, Grayson, and they share their home with their beloved dog and two cats.

“Whether you are a first-time home buyer or refinancing an existing loan, I will use my industry knowledge, professionalism and experience to streamline the process toward a smooth and quick closing.”




Carlie West (NMLS #1173347 joined Richmond’s Home Loan Zone as processing manager in 2016, and then became a loan officer. Her goal is to make the loan process simple for her clients. Carlie earned a bachelor of science degree in media studies from Radford University. After graduation, the Richmond native sampled life in several other Southeast cities but returned to Richmond in 2012. She enjoys exploring all that Richmond has to offer with her fiancé, Steve. She admits to being “a huge animal lover” and often shares her outdoor excursions with her two dogs.

“I truly love helping my customers obtain their dream homes, and I strive to make the loan process as easy as possible.”




Jessica Cooper (NMLS #1882318 is senior loan officer at Richmond’s Home Loan Zone. Previously, she ran the Netco Title office for four years, managing title searches, closings and disbursements for up to 24 loans a day. Jessica’s experience at both ends of the mortgage spectrum gives her the knowledge to educate her clients about the best financing options for them, and to bring loans to the closing table quickly and efficiently. A Richmond native, Jessica also is a yoga instructor and enjoys gardening and traveling, as well as singing and playing music. She and her husband have two children, Caleb and Sophia.

“My No. 1 priority is to simplify the financing process by opening the door to the best rate and loan for you, while ensuring a stress-free closing experience.”




Corey O’Neil (NMLS #1989486 has lived in several parts of the country but has called Richmond, VA home since 2009. Having made many moves both big and small allows Corey a unique perspective in strategizing the home purchase process with his clients. Having started his sales career as a territory account executive for one of the Nations largest credit vendors Corey is an expert on credit and uses that knowledge to maximize savings on his clients behalf. For the past 6 years Corey has been a top producer with two of Richmond’s largest home builders. That experience has been easily transferable in aiding and guiding clients through today’s competitive purchase market.

Corey earned a Bachelor of Science degree in International Business Administration from Salisbury University, in Salisbury, Maryland. During his time there he was a member of two National Championship Lacrosse teams and was a two time All-American. Corey has always enjoyed working in a team environment which is what prompted the start of The O’Neil Mortgage Group at Home Loan Zone, Inc. alongside his wife Kristin. Their team has over 12 years experience in the mortgage industry and has helped hundreds of families pursue their dream of homeownership.

In his free time Corey enjoys travelling with his family and spending time outdoors with his two year old son Grayson.