Carol has been a consistent Top 10 Producer since 1999.  Her business is based strictly on the referrals of her satisfied clients.

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A Northern Virginia native with over 30+ years in the mortgage industry, Carol holds her BA in Finance from Virginia Tech. Carol is an expert in the DC Metro Area Market who customizes loans for each individual’s needs providing a solution-oriented approach.  Carol is dedicated to helping her clients achieve their overall financial goals.  In turn, she has seen extraordinary success over the years.

Realtors, builders and happy clients recommend Carol as a mortgage consultant who is responsive and who closes mortgages in time with no surprises.  She has built an impressive resume for reliability, ingenuity, integrity and professionalism.  By delivering outstanding financial service throughout her career, Carol has earned referrals from realtors, borrowers, home builders and other lenders.

Meet Chelsea Torrance, Loan Manager


Chelsea has been working in the mortgage industry as a loan officer assistant since graduating cum laude from Muhlenberg College in 2013.  At Muhlenberg, she received a BA in psychology with minors in Spanish and dance.  She studied abroad in Spain for four months, which helped expand her knowledge of the language and prompted a desire to assist clients who speak Spanish and limited English.  Originally from Fairfield County, Connecticut, she has come to love the Northern VA area since relocating with her family in 2011.  The D.C. Metro area has much to offer, especially when it comes to its thriving real estate market.

The home-buying process can be extremely nerve-wracking, regardless of whether you are a first time homebuyer or an investment property aficionado.  As part of Carol’s team, Chelsea makes the transition from application to settlement as smooth as possible.  Throughout the process, she will guide you towards the financial structure that best suits your needs and will keep you closely updated throughout the loan process.  The Carol O’Connell team works solely on referrals and maintains a strong relationship with each and every client in order to meet their mortgage financing needs and get them into their new home as efficiently as possible! 

Office: (703) 738-0921  |  Cell: 203-610-0230  |  Fax: (703) 738-0971
NMLS # 1113729