Fred Elflein

Fred Elflein

Area Manager, NMLS: 195475


Fred Elflein is an Envoy Loan Originator in Glen Allen, VA, and has been in the Richmond area since 1997. He focuses on giving his clients the service they deserve and prides himself on helping them find the right loan at the best rate possible. He educates and empowers his clients to make their own decisions that they are comfortable with. He communicates early, often and honestly and this continues well after the loan closes.

He has helped many people realize the American dream of homeownership and continually services his clients on refinances and move-ups. He takes the time to understand his clients and their goals – current and future – and considers many as family. That is why most of his new business comes directly from referrals by his current clients.

Fred has been married for more than 30 years to his beautiful wife Christi and is the father to 3 great sons. Previously, he held various senior management positions in the finance and mortgage industries. He also built retail mortgage companies. Now, he utilizes the team-building and management skills he mastered along the way to help his clients navigate the complex mortgage financing procedures of today.



Average rating based on 56 reviews

Our Business

Envoy has been successful for over 20 years because of its people, systems and technology.

The most important asset, however, is its people. We at Envoy understand the importance of providing great customer service, demonstrated by our strong customer satisfaction rating of nearly 4.9 out of 5. Since 1997, we have continued to exceed borrower expectations through exceptional customer service and dedication to helping you finance your dream home. Licensed in 49 states across the U.S., our branches offer a full menu of loan products, knowledge, and expertise for all areas of the residential mortgage lending industry.

Our Customers

We strive to do our best and be our best for one reason – you.

Our goal is to help you finance your dream home and ensure that you have a seamless, smooth mortgage experience. With the availability of hundreds of mortgage loan programs and lenders to choose from, the process of financing a home can seem complex. We are well equipped to guide you through some of the most comprehensive financing available today and are working around-the-clock to make sure we meet your needs. Your peace of mind during the loan process is our priority.