Clay Taylor Carroll

MAIN STREET HOME LOANS a Division of NFM Lending
Participating lenders have agreed to a LENDAID code of conduct relative to transparency and independent customer surveys.
Equal Housing Opportunity
Job Title
Senior Home Loan Consultant
Career Started
1 Park West Circle Suite 310F , Midlothian, Virginia
For updated license info and work history visit  NMLS Consumer Access
Reviews are independently sourced by LENDAID from closed loan customers to ensure true, unbiased feedback of the loan officer's customer experience.

About Clay Taylor Carroll

Testimonials are the individual experiences of those who have used our services. Main Street Home Loans does not provide incentives for testimonials or reviews.

Clay's Reviews

4.9 Stars - 49 Reviews
"Clay was prompt and professional. He has surrounded himself with outstanding help and was a pleasure to work with!"
Buying - Richmond, Virginia July 2018
"Great "
Buying - Mechanicsville, Virginia December 2017
"Amazing couldn't ask for a better team."
Buying - Charles City, Virginia December 2017
"Clay was great, everything was fully disclosed and we had great communication throughout the process!"
Buying - Chester, Virginia December 2017
"Clay and his team made the process easy to navigate and consistently kept me updated on anything that I needed to know. Considering the process, Clay and his team made it fairly effortless which is much appreciated."
Buying - Hampton, Virginia March 2018
"Clay and his firm were very professional and helpful all the way through the process. They kept us informed and worked with us on obtaining just what we needed. We would highly recommend Clay and his firm. "
Buying - Chesterfield, Virginia May 2018
"It was just a great experience! "
Buying - Midlothian, Virginia June 2018
Buying - Richmond, Virginia June 2018
"The entire team at First Home were friendly and professional. We had great communication and that made the process easier for me. Specially because we were first time home buyers. I am very pleased with their work and will recommend their services. "
Buying - Richmond, Virginia August 2018
Buying - Chesterfield, Virginia August 2018
"Clay is very knowledgeable about his work. He makes sure no stone is left unturned. Really made the process easy and understandable. He even showed up to the closing which many others wouldn't have taken the time to do. We're very happy with the services we received!"
Buying - Henrico, Virginia August 2018
"Other than my own scheduling and availability, I just find it interesting that I only met him face-to-face once. Otherwise, it was a fairly smooth process."
Buying - Colonial Heights, Virginia July 2018
"There are not enough adjectives to accurately portray the top-notch service we received from Clay and First Home Mortgage from the very first inquiry through to closing and beyond. This was our second experience with Clay and First Home, yet Clay spent as much or more time with questions and concerns even though we were seasoned home buyers. This time we built a new home so our experience with Clay/FH started with the pre-approSingle Familyl process. Clay then provided multiple scenarios for lending options tailored to best fit our needs, all of which were fluid and adaptable should those needs change. Throughout the long building process, Clay was always aSingle Familyilable at a moment's notice via email or cell phone and responded at all hours of the day when needed. When we ran into an unexpected issue with our current home sale not closing as planned prior to the new purchase closing.t."
Buying - Moseley, Virginia October 2018
"Friendly and easy to communicate with."
Buying - Richmond, Virginia November 2018
"Great teamwork from start to finish. Many thanks to Clay and his team for all of their help getting us into our new home. "
Buying - Midlothian, Virginia November 2018
Buying - Quinton, Virginia December 2018
"Claiborne Carroll and his team at First Home Mortgage are professional and provide excellent customer service. They did a great job guiding me through the process of completing the necessary paperwork and navigating loan options."
Buying - Richmond, Virginia December 2018
"I couldn not have asked for a better team to help me through it all."
Buying - Disputanta, Virginia April 2019
Buying - Henrico, Virginia April 2019
Buying - Richmond, Virginia May 2019
"Clay and his staff were professional and thorough."
Buying - Henrico, Virginia June 2019
"Clay Carroll was extremely professional and personable and made our first time home buying experience seamless. We closed on time, got a lower interest rate than expected, and were always presented with options! At no point did we feel pressured and any questions we had were answered quickly! I could not have imagined a better home buying experience and we are so grateful for Clay and Main Street Home Loans!"
Buying - Henrico, Virginia June 2019
"Trustworthy and caring through the whole process. Would recommend for home loan needs!"
Buying - Colonial Heights, Virginia June 2019
"Clay was great! He was personable, punctual in all aspects, and worked hard in getting me ready to purchase a house! I would recommend him a million times over. "
Buying - Richmond, Virginia July 2019
Buying - Richmond, Virginia July 2019
"They were fantastic! Always there to help through the process, if I had questions or was feeling stressed, they would answer my questions and kept me focused. Jessica was always patient and kind, she worked with me on getting all the paperwork to them. I couldn't have done it with out them. "
Buying - Richmond, Virginia July 2019
"Clay offered us a variety of lending options and never ceases to answer our unending questions. And he's very personable, never making us feel like our questions were too much. Always a friendly smile, courteous, helpful, positive."
Buying - Richmond, Virginia August 2019
"Our experience with Clay was wonderful! From the beginning, Clay made the process of purchasing a home, a pleasant experience. He was always available to answer our questions, and went above and beyond to make sure we understood every step of the process."
Buying - Chesterfield, Virginia August 2019
"Working with Clay & his staff was great. He explained everything I needed to know about my loan options, kept me informed by email about forms I needed to sign, secured a great percentage rate for me & made sure that my monthly mortgage payment was within the budget number I gave him. I had a great experience using Clay & Main Street Home Loans for my new home loan!"
Buying - Chesterfield, Virginia September 2019
"Clay was immediately friendly and knowledgeable. He was prompt and returned all calls immediately. Clay is a true asset to Main Street Home Loans he made the Mortgage Process hassle Free!"
Refinance - Midlothian, Virginia September 2019
"Clay and the team are fantastic. They were on top of the loan process every step of the way. Very informative, and answered all of my questions without hesitation."
Buying - Petersburg, Virginia September 2019
Buying - Roseland, Virginia October 2019
"Amazing experience! Very helpful and walked us through all the steps of purchasing a home with ease :-)"
Buying - Richmond, Virginia October 2019
Buying - Richmond, Virginia October 2019
"Clay was easy to reach if I had a question. He and his team made it a great customer experience."
Refinance - Moseley, Virginia November 2019
"He got it done and was professional the whole time."
Buying - Powhatan, Virginia November 2019
"Clay was excellent in getting this done. He and his staff are great to work with and I highly recommend them to anyone in need of a home loan."
Buying - Petersburg, Virginia December 2019
"Communication was very poor, and the loan officers were disorganized. Though in both the initial contact and in subsequent interactions, we described the condition of the property, the loan officer proceeded with a conventional home loan. However, the condition of the property indicated a renovation loan, and the loan officer should have known that. This resulted in having to redo the mortgage to be a renovation loan, which resulted in significant delays and might have cost us the property. These delays could have been easily avoided had the loan officers asked more questions up front about the property. Also, deadlines for signing paperwork often seemed to come out of the blue and be extremely short, so it felt like we were always in some state of emergency. Because the loan officers had to have been down this path before with previous clients, it seems like we could have been a little more prepared for what was coming down the pike. While we did eventually close on the loan, even at the closing there were errors in one name, which required that the full packet of documents be corrected and reprinted. This was despite numerous attempts to tell the loan officer that there was an error in early documents. We would not recommend Main Street Home loans and will not be repeat customers."
Buying - Richmond, Virginia January 2020
"Clay, Jessica and Chris were awesome! They made me feel comfortable with every update and issue. I will continue to work with them in the future."
Buying - Richmond, Virginia January 2020
"True professionals! Clay and his team kept us informed and always quick to respond to questions."
Buying - Moseley, Virginia February 2020
"Clay and his team are absolutely AMAZING! They are fast and efficient."
Buying - Mechanicsville, Virginia March 2020
"Clay and his team are amazing!"
Refinance - Petersburg, Virginia April 2020
Buying - Midlothian, Virginia May 2020
"I was very happy with Clay Carroll and Main Street and I recommend them to my clients. He is one of the best in Richmond."
Buying - Chester, Virginia May 2020
Refinance - Powhatan, Virginia June 2020
"I absolutely love working with Clay and his team. Their magic is in ensuring you never feel like just another transaction. The level of care this team has for their customers is unmatched. Every question I had they answered, the numbers made sense to me, and they help make everything simple by just handling the little things. My closing happened on schedule, costs were explained well in advance, and everyone on the team was always available. I'm so grateful for their support."
Buying - Richmond, Virginia June 2020
"Clay did an excellent job and made me and my wife's process very smooth. I would highly recommend Clay and Main Street Home Loans to anyone looking to purchase a home. "
Refinance - Henrico, Virginia July 2020
"Clay and his team were great at explaining and completing the paperwork necessary for our family to finance a home, which is part of the American dream."
Buying - Henrico, Virginia July 2020
Buying - Chester, Virginia July 2020

Clay's Sample Area of Work

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