Headshot of Claiborne Carroll

Claiborne Carroll

Originating Branch Manager

Midlothian, VA Mortgage Lender

NMLS #513125

14321 Winter Breeze Drive, Office 236
Midlothian, VA 23113
Contact Methods
mobile Mobile
(804) 614-6515


About Claiborne

I’m Clay Carroll, originating branch manager with CrossCountry Mortgage. I pride myself on being a dedicated professional with more than 22 years of mortgage experience. My #1 focus is helping clients create wealth through real estate with a focus on structure and strategy to maximize their return on investment.

I’m very knowledgeable about a wide range of home loan products, including those for first-time homebuyers and FHA, VA, jumbo, renovation, construction, and refinance loans. Whether you’re looking to finance your first home, next home, or current home, we’ll discuss your goals and priorities to develop a mortgage plan personalized to you.

I work with some of the top real estate agents in the area to deliver a world-class experience. Over the years, I’ve served on the Board for the Richmond Mortgage Bankers Association as well as many committees for the Home Building Association of Richmond. Referrals remain the heart of my business – so I appreciate your help in spreading the word about my services.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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