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 300, 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

4.8 Stars - 145 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
Buying - Midlothian, Virginia October 2021
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
Refinance - Richmond, Virginia August 2020
"Clay was beyond helpful. He is knowledgeable, professional and clearly took our best interest to heart. He communicated in a proactive manner and provided exceptional service throughout the process."
Refinance - Virginia Beach, Virginia August 2020
"They were wonderful to work with! "
Buying - Richmond, Virginia August 2020
"I have worked with Clay in the past and just recently got the chance to work with him again. He's wonderful. Takes good care of his customers."
Refinance - Chesterfield, Virginia August 2020
"Clay was everything we wanted in a loan officer. He was responsive, professional, and did everything he said he would do. His video messages throughout the process from preapproval to post closing were informative and personalized. I would refer anyone I know to Clay and his team at Main Street Home Loans. "
Buying - Richmond, Virginia April 2021
Refinance - Stuarts Draft, Virginia September 2020
"Clay Carroll is wonderful! We were first time homebuyers and stressed with the pandemic going on; Clay put our mind at ease, knowing he would guide us step by step to get us the house of our dreams! "
Buying - Henrico, Virginia September 2020
Buying - Richmond, Virginia September 2020
"Clay answered all my questions promptly and helped me with getting all the papers sent in a timely manner-in a short amount of time."
Buying - Midlothian, Virginia September 2020
"Very patient and helpful; he made it very comfortable to ask questions. "
Buying - Henrico, Virginia October 2020
"It was great!"
Buying - Petersburg, Virginia October 2020
"Clay and Jessica were so responsive and were a pleasure to work with!"
Buying - Richmond, Virginia October 2020
Buying - Moseley, Virginia October 2020
"Warm, friendly, and professional to deal with. Kept us appraised of the ongoing process."
Refinance - Petersburg, Virginia October 2020
"They were patient, informative, and responsive through the whole process. "
Buying - Petersburg, Virginia November 2020
"Smooth process start to finish!"
Refinance - Midlothian, Virginia November 2020
"They (Clay, Jessica Duffer, and Kimberly Howard) sent me helpful and informative video and email updates to let me know the progress of my loan; my emails and phone calls were promptly responded to; no questions were unimportant to them; Clay kindly guided me through my options when a potential funding problem popped up. This was a smooth process for me and it is because of all of their hard work. So thankful I was referred to them and I look forward to referring them to others! "
Buying - Richmond, Virginia December 2020
"Because we were moving from Alaska we had to do everything remotely. Clay and his outstanding team took care of us 100% and ensured an excellent first-time home-buying experience. "
Buying - Chester, Virginia December 2020
"I was helping an elderly lady purchase a home. Clay and his staff could not have been more patient and helpful. "
Buying - West Point, Virginia December 2020
Refinance - Glen Allen, Virginia December 2020
"Responsive and knowledgeable "
Refinance - Henrico, Virginia December 2020
"Clay made the process extremely smooth. Excellent job!"
Refinance - Powhatan, Virginia January 2021
"Clay and the whole team were great to work with, They Have a easy and intuitive system to break down all aspects of the mortgage applying process you could possibly need, and were super easy to get in touch, as well as almost unbelievably quick with responses to emails (Within Minutes) of the initial sending to any questions or concerns you may have. Customers service was among the best I've experienced in any industry, and The icing on the cake was also the A+ mortgage rates they offered as well! Too round off the review id just like to state I 100% intend to use Clay Carol and Main Street Home Loans and for any future mortgages I will need, and look forward to working with them again. "
Buying - Richmond, Virginia January 2021
"Clay was fantastic and went the extra mile calling the sellers agent vouching for my credentials during a competitive and multiple offer bid. His efforts worked and my offer was accepted even though it was identical to another."
Buying - Midlothian, Virginia January 2021
"A team that is passionate about getting the job done for you! Clay is very professional and easy to talk to; helps simplify your decision making. His staff is very prompt with immediate communications and after office hours assistance. "
Buying - Richmond, Virginia January 2021
"It was a great process! The title company seemed unorganized and not on point but everything else was great."
Refinance - Midlothian, Virginia January 2021
"Friendly, knowledgable and a great teacher. The personalized videos made whole process transparent and understandable "
Buying - Midlothian, Virginia February 2021
"Clay and his team Kim and Jessica were so helpful, nice, and walked me through everything! They were delightful to work with and made it so easy for me (a total n00b)."
Buying - Richmond, Virginia February 2021
"Clay and team were wonderful to work with! Clay communicated with us every step of the way during our loan process and really gave us a personalized experience when it came to choosing a loan option that fit our needs. "
Buying - Chesterfield, Virginia February 2021
Buying - Chesterfield, Virginia March 2021
"Clay was great to work with. No matter the time he would take my call and walk me through any question I had about the home buying process."
Buying - Henrico, Virginia March 2021
"Fantastic at communicating - both at responding to questions and also in checking in during the refinance process "
Refinance - Glen Allen, Virginia March 2021
"Clay and his team were wonderful and helped make the process of buying a home so simple and straightforward! "
Buying - Midlothian, Virginia March 2021
"It was great and Clay was fantastic!"
Buying - Hayes, Virginia April 2021
Buying - Warrenton, Virginia April 2021
"Clay and his team worked very quickly to get my loan processed in time to close."
Buying - Moseley, Virginia April 2021
"Everyone was so nice and only one call or message away. I'm so appreciative of how awesome everyone was during my journey."
Buying - Richmond, Virginia May 2021
"Appreciated the video emails and continued contact "
Buying - Chester, Virginia May 2021
Refinance - Powhatan, Virginia May 2021
"Clay was terrific to work with and made me comfortable throughout a stressful process. He is very knowledgeable about the industry but he explains complicated process steps in a simple manner and he's accessible and friendly. I highly recommend Clay."
Buying - Henrico, Virginia May 2021
"Clay took the guess work out of the home buying process and made it seamless. "
Buying - Chesterfield, Virginia June 2021
"They were great"
Buying - Powhatan, Virginia June 2021
"They Keep their word and closed on time. Too the worries out of buying our first home. We truly appreciate all they did."
Buying - Chester, Virginia June 2021
"The process is intimidating but they do a good job of not swamping you with requests and documents to sign."
Buying - Henrico, Virginia June 2021
"Very good, he and staff very helpful and knowledgeable."
Refinance - Richmond, Virginia July 2021
"Clay & his team made the montage process a breeze! With my busy schedule I was nervous about the time it would take to complete the mortgage process with a 25 day close. However, Clay and his team provided helpful knowledge and consistent updates that quickly put my nerves at ease. "
Buying - Richmond, Virginia July 2021
"Clay was always willing to answer my many questions and so kind to me."
Buying - Henrico, Virginia July 2021
"Very professional, knowledgeable and supportive Top quality!"
Buying - Midlothian, Virginia August 2021
Buying - Manakin Sabot, Virginia August 2021
"It's been great working with Clay and his entire team! The video messages have been especially helpful and a great tool. Keep up the good work."
Buying - Chesterfield, Virginia September 2021
"He saved our deal by lending to the purchaser of a home we were selling. The client had been approved by a Credit Union that pulled it's approval at last moment Clay got her approved & closed in time for our closing. As a real estate broker he is the kind of mortgage broker we want to deal with"
Buying - Powhatan, Virginia September 2021
"Clay and Jessica were so responsive, available whenever we needed and prepared us for the entire process. There was not a single bump in the road and we are so grateful we went with them. Can not recommend them enough."
Buying - Midlothian, Virginia September 2021
"I couldn't have asked for a better team to help me with the loan process. Clay and his team were very helpful in answering any questions I had and explained things every step of the way. Clay took his time and explained all of the loan options that were available to me and which ones would help me stretch my money as far as I could. I am so grateful that I found them!"
Buying - Hanover, Virginia September 2021
"They went above and beyond to make this as easy and stress free!"
Buying - Chester, Virginia October 2021
Buying - Henrico, Virginia October 2021
"Communication and professionalism are unmatched "
Buying - Colonial Heights, Virginia October 2021
"Clay was very kindand helpful "
Buying - Glen Allen, Virginia October 2021
"He and his team were very quick in communication and getting things done. "
Buying - Henrico, Virginia November 2021
"Clay was amazing every step of the way took time to answer all my questions and concerns and always made sure I was comfortable with every decision. "
Buying - Powhatan, Virginia November 2021
"Clay's team kept us informed every step of the way. "
Buying - Richmond, Virginia December 2021
"Clay and his team were truly wonderful to work with! They were available when I had questions and Clay managed to always put into simple terms all the complex financial scenarios for me. "
Buying - Moseley, Virginia February 2022
"Super responsive team and highly knowledgeable. They didn't miss a beat and still stay in touch!"
Buying - Amelia Court House, Virginia February 2022
"I loved working with Clay and the folks at Main Street Home Loans. They were all extremely professional, courteous, available, and always willing to answer any questions I had promptly. Clay is particular was incredibly helpful. He took time to help me with all aspects of the process of securing a home loan, went over several different options to try and match what would work best for me, and always managed to put things in term to make it easy for someone not well versed in financial language could easily understand. I would highly recommend him and the rest of the team to anyone needing a home loan!"
Buying - Moseley, Virginia February 2022
Buying - Henrico, Virginia April 2022
Buying - Glen Allen, Virginia April 2022
"Everything went smoothly. It was a nice experience."
Buying - Chester, Virginia April 2022
Buying - Richmond, Virginia May 2022
"Clay was awesome but we didn't really go through him. His assistants (or underlings) were pretty rude, asked unnecessary questions, and always wanted something random out of the blue. It was definitely a frustrating process that I am happy is over with and will not have to do for (hopefully) a very long time"
Buying - Powhatan, Virginia May 2022
"Ended up having to pay points and a second appraisal "
Refinance - Assawoman, Virginia July 2022
Buying - Petersburg, Virginia July 2022
"Never communicated any information about my mortgage until the very end of construction. Failed to lock in cheaper mortgage rate and used excuses to blame me. Then rushed to get to closing adding extra fees and charges that should have never been included in mortgage fees"
Refinance - White Stone, Virginia August 2022
"From start to finish Clay was professional and caring of our needs. He also provided valuable education and planning methods to continue saving following the purchase of our home. I would highly recommend him and his team to anyone preparing to buy their home."
Buying - Moseley, Virginia September 2022
"They were great. Always on the end of the phone, very responsive and helped every step of the way."
Buying - Chesterfield, Virginia September 2022
"Clay and his team are amazing! Everyone involved worked together to make the entire process seamless! Everything was on time and done right the first ti.e! Kudos!!!"
Buying - Colonial Heights, Virginia October 2022
"Clay is very knowledgeable about market trends, current mortgage trends, as well as a strong understanding about investing and personal finances. He is able to give advice on mortgages that sets his clients up for success in the long term. I would work with no one else!"
Buying - Midlothian, Virginia October 2022
"Clay and his team were amazing from the start of the process walking me through the options available to me. No question was too small and I felt like I had a great partner in financing my home."
Buying - Chesterfield, Virginia November 2022
"Clay and his team are amazing! They made sure all of our concerns were taken care of and held out hand through the whole process. We wouldn’t be home owners if it wasn’t for them. We are humbled and blessed to have worked with such amazing people!"
Buying - Hopewell, Virginia December 2022
"This experience with Clay and his team was amazing,. They made everything so easy, they were very accommodating and easy to work it. Thank You for getting us to our closing and working everything out in our favor."
Buying - Providence Forge, Virginia January 2023
"Clay Carroll went out of his way to help me secure my loan. He gave me great advice and answered any questions that I had as well as keeping me focused and anxiety free."
Buying - Midlothian, Virginia February 2023
"Extremely responsive with great insight and advice individualized for our situation."
Buying - Midlothian, Virginia March 2023
"Clay and his team were more than professionals doing their jobs- they saw real people and a family behind our application, and guided my husband and I through the process from start to finish. The process had bumps in the road as my family navigated a difficult economy and busy season of life as parents . They worked tirelessly to educate us and cheer us on. I highly recommend Clay and his team. "
Refinance - Barboursville, Virginia March 2023
"Clay and his team were incredible through my entire buying process!"
Buying - Midlothian, Virginia April 2023
Refinance - Unionville, Virginia April 2023
"Always ready to answer my questions. His Team the same and very patient when I wasn't familiar with a task. Professional and courteous. I trusted them with my personal information."
Buying - Ashland, Virginia May 2023
"Articulate the complicated verbiage with excellence"
Buying - Shacklefords, Virginia June 2023
"Clay and his whole team worked together to make my dream possible. Thank you !!!"
Buying - Hanover, Virginia August 2023
"Clay’s professionalism and guidance was exceptional! I truly appreciate all of his expertise and dedication to working with me and my client to making sure everything was taken care of smoothly and efficiently from start to finish! Can’t thank you enough for the excellent class and incredible kind service!"
Buying - , August 2023
"Great experience, very professional!!"
Buying - Glen Allen, Virginia August 2023
"Clay and his team are highly attentive and work efficiently to meet clients' needs. Every concern was met with genuine care and all questions were addressed within a couple hours. Every time."
Buying - Goochland, Virginia August 2023
"Clay is the best of the best. He and his team are professional, efficient, and bulletproof. I have never seen a deal they couldn't get to work out! Amazing Loan Officer and more importantly a great person. 5 stars really isn't enough! "
Buying - Henrico, Virginia September 2023
"It was a very poor experience working with Clay and his team. At any time, Clay and his time did not show due diligence. Clay and his team did not return calls. We had a call scheduled in advance for which there was no accountability. He simply did not call. We had to call next day to ask his team what happened and his office did not anything either. I believe that his team is used to cater to a certain type of clients and we were not it. "
Buying - Midlothian, Virginia October 2023
"Made the process very easy!"
Buying - Henrico, Virginia November 2023
"Clay and team provided me a wealth of guidance and customer service throughout the entire process. They went above and beyond every step of the way to make sure I was informed and moving through each phase seamlessly. Such a great experience! Thank you so much Clay!"
Buying - , November 2023
"Had an amazing experience working with Clay, something I expected to be extremely difficult he made extremely easy to understand and was always available to help and give knowledge."
Buying - Colonial Heights, Virginia December 2023
Buying - Moseley, Virginia January 2024

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