Phillip Coon
Phillip Coon

Vice President/Branch Manager, NMLS# 311078

Address: 1400 Alverser Drive, Midlothian, Virginia 23113
O: 804.858.8328 M: 804.514.3662 F: 804.419.8441

Your Local Industry Expert.

At C&F Mortgage, rest assured we are focused on you. C&F was built on the simple truth that when we pay attention to people and the community, we can make a difference. We are here to guide you on your pathway to home financing from start to finish.

Contact us today to learn more about the mortgage process and how we can work together on your journey to home financing.

Customer Reviews

  • Phillip and his team are exceptional at what they do! Second time using them and will always go with them for any home purchase I make. Thank you again!
    5.00
    Kristopher G.
  • The team worked great with us for a loan for a second home. They were always available to answer our questions and walk us through the process. Great service.
    5.00
    Thomas W.
  • Great from start to finish, seamless transaction. Everyone in the cnf team is very helpful
    5.00
    Jonathan W.
  • Thanks so much, Phil! You and your team made the whole process of refinancing super smooth and stress free! We would highly recommend to anyone!
    5.00
    Kamaron O.
  • Great experience with C&F, as always!
    5.00
    Brittany C.
  • You guys did a great job.
    5.00
    Elizabeth N.
  • Philip always does a great job.
    5.00
    Charles J.
  • As always, Phillip and his team came through in the clutch. Wouldn’t expect anything different from these professionals. Thanks Brian and Debbie!
    5.00
    Steven C.
  • Phillip set the expectations up front, so we were prepared every step of the way. His encouragement to gather documents helped us be prepared in such a way that whenRead more
    5.00
    Gretchen R.
  • This is the second time we have used Phillip Coon and both times have been great!
    5.00
    Doyle M.
  • Great communication! Someone was always available to answer our questions and responded quickly!
    5.00
    Chelsie B.
  • I have 100% trust in Phillip. I did a mortgage with him and 3 and half years later I did a refinance with him. I didnt even need to shopRead more
    5.00
    Michael L.
  • Great to work with, always available for questions.
    5.00
    Josh D.
  • Phillip was incredibly quick and answered all of my questions with an incredible response time. We also really appreciated being able to complete everything online and being able to closeRead more
    5.00
    Lindsay C.
  • Help full And professional.
    5.00
    Edwin R.
  • I enjoyed my experience with Phillip Coon and the C&F mortgage company. They are an awesome organization who places the customer first. They follow up and show patience. They walk you through the entire process. I highly recommend their services.
    5.00
    Lamaren T.
  • Phil was prompt in returning an email or call. Brian Baker was also very helpful.
    5.00
    Barbara L.
  • Phillip was fantastic- I’ve already referred a friend to him, and will refer others looking for a mortgage or to refinance an existing mortgage. Phillip was easy to access, andRead more
    5.00
    Lauren H.
  • Firm’s competence, professionalism. Explanation of each procedure. Efficiency of completion
    5.00
    Kevin J.
  • Easy process! When we had questions He would always answer them, even late at night. Great service.
    5.00
    Joseph W.
  • Phillip was informative and helpful with every step of the process. He was very professional and prompt in all of his correspondence and took the time to explain or answer any questions we had during the process.
    5.00
    Kathryn M.
  • Phillip was extremely knowledgeable and his team kept us well informed on what was going on. They made this an easy process.
    5.00
    Kenneth F.
  • Philip Coon always informed us of how our loan was going. Whenever I would call him he was eager to help me and give me the information I needed.
    5.00
    Ryan H.
  • I last bought a house 8 years ago - the process was much different. Phillip and his team were very helpful in answering questions and Phillip was upfront from theRead more
    5.00
    Susan A.
  • The team at C&F were second to none!! They constantly stayed in touch through all aspects of the process. They were extremely prompt when responding to any of my questionsRead more
    5.00
    Gregory W.
  • Phillip & his processors made our loan process effortless and easy. Highly recommend!
    5.00
    Thomas A.
  • How you answered all our questions and would stay in touch so we knew what was happening.
    5.00
    Karen J.
  • Phillip Coon was great to work with! He kept me informed of my loans progress. He responded very quickly to any question I had. Mr. Coon made the process as pleasant as getting a home loan could be.
    5.00
    Dennis R.
  • Phillip's team at C&F are great. The team is very responsive and answered all of my questions quickly. The portal they utilize makes the process very easy and takes outRead more
    5.00
    William M.
  • Phil is always available to answer questions. I love his honestly, no sugar coating. That’s what this business needs to be successful. Thanks again for all your continued help.
    5.00
    Timothy B.
  • The refinance process was very simple and straight forward. The website to upload all the documents was easy to navigate. I always received a prompt response to any questions IRead more
    5.00
    Sarah A.
  • Phillip is absolutely the best!!!
    5.00
    Christopher S.
  • everything went real smooth, no problems, no hassle, all questions and concerns were answered. Thanks
    5.00
    Kurt C.
  • Phillip and his team are easy to communicate with, great at a quick reply and do their work with a smile! Thank you for making the refi process easy-peasy!
    5.00
    Marsha M.
  • Phenomenal experience from start to finish!!
    5.00
    David A.
  • Easiest mortgage transaction I have ever had! Phil made my experience amazing and I would never use anyone else! Thanks so much Phil!
    5.00
    Angela D.
  • Phillip and his team were very helpful throughout the process of my refi!!
    5.00
    Tyler S.
  • You guys were organized, efficient and communicated all steps of the process clearly. The portal made it easy to submit everything virtually. We were reluctant to refinance because it canRead more
    5.00
    Jacqueline S.
  • Phillip was great, always available when we needed him. The process was easy and quick.
    5.00
    David C.
  • Phillip and Thomas were great to work with. Just finished my refinance and they saved me almost $240 per month. Very easy process from start to finish.
    5.00
    Sean T.
  • Two words: Joseph. King.
    5.00
    Alexandria R.
  • THE C&F ONLINE SUBMITTAL PROCESS VIA THEIR PORTAL MAKES TURNING OVER MORTGAGE DOCUMENTATION SUPER EASY. WOULD RECOMMEND. TOM ,PHILLIP, AND HIS TEAM WERE EXPEDIENT AND FRIENDLY. THE WHOLE WAY THROUGH AND GOT ME AN UNBEATABLE INTEREST RATE.
    5.00
    Sean E.
  • Phillip delivered and did not over-promise. He mentioned that our closing date may be delayed due to an unusually busy home selling season and some issues on my end withRead more
    5.00
    Lance D.
  • Great to work with. Helped with any questions we had!
    5.00
    Melissa A.
  • My experience was great they took care of everything and was real professional with any questions I had and everyone that I talked to was friendly and helpful.
    5.00
    Adren S.
  • Phil is the man, he got it done
    5.00
    Chad M.
  • Phillip and his team made the process of refinancing so easy! They know how to take care of their clients!
    5.00
    Rebecca C.
  • Was very easy to get ahold of for anything!
    5.00
    Matthew T.
  • You and your Group were easy to work with. You answered any questions and gave good explanations. The refinancing process went very smooth and the outcome was as promised.
    5.00
    Thomas A.
  • Phil & his team are the best! Their response time & sense of urgency is top notch!
    5.00
    Corey W.
  • Very informative, quick responses and lots of help on getting us the best loan! Thank you and your team for being the best!
    5.00
    Carly E.
  • The most responsive broker and team! Philip was fantastic to work with and made the paperwork a breeze! Entire team was helpful, the talkuments were useful and we’ll be sharing your name with anyone who’ll listen!
    5.00
    Allison M.
  • Very responsive and helpful with our mortgage needs
    5.00
    Chad R.
  • Phillip provided competitive rates and great service. He was attentive to our needs and responsive when we had questions. He understood our goals and helped us manage the process to achieve those goals.
    5.00
    Thomas L.
  • Phil is very knowledgeable about the industry and C&F's offerings. He was very responsive and able to clearly explain the process, what to expect and always pleasant!
    5.00
    Martha W.
  • The ability to communicate with his team. Brian was always willing to answer questions and provide guidance. Kassie from the local C&F bank (Saluda, VA) was exceedingly helpful by faxingRead more
    5.00
    Donald P.
  • Phillip and his team helped us navigate throughout the entire process. I would highly recommend him to future homebuyers.
    5.00
    Sean J.
  • Communication and transparency.
    5.00
    Tony S.
  • Easy
    5.00
    Wendy L.
  • The whole team at C&F was amazing!!
    5.00
    Helene T.
  • Very polite, quick response when emailed or called great overall experience
    5.00
    Winford C.
  • Easy to use online portal. Great support when we had questions. Clear communication from Brian Baker (and Phillip)
    5.00
    Erin B.
  • Great advice, up front about rates and time constraints. Communication is key, and they knocked it out of the park!
    5.00
    Mark W.
  • Phillip and his team made the refinance process so easy. He was always available to answer any questions.
    5.00
    Michelle L.
  • There was always a person to email and/or call whenever I had a question. The process was easy to understand and worked smoothly.
    5.00
    Paul R.
  • Everyone was very professional and extremely nice, they even drove to my home so i could sign documents to keep my closing on time! Have already told family about them!!
    5.00
    Phillip L.
  • Great experience. Phillip and the team were always helpful and available whenever we had questions and walked us through the process every step of the way.
    5.00
    Andrew J.
  • Phillip was an outstanding communicator throughout the process. He was clear, thorough, and always got back to us in a timely fashion. Will highly recommend Phillip to friends and colleagues in search of a mortgage lender.
    5.00
    Christopher C.
  • We had a great experience working with Phillip and his team!! We would recommend him to anyone!
    5.00
    Ryan Q.
  • Phillip and his team made it a very easy process to refinance.
    5.00
    David H.
  • All of the processes, including the ease of the online application, simple process to upload documents , dashboard so you know what the current & next steps are, quick responseRead more
    5.00
    Pamela A.
  • We couldn’t have received better service if we asked for it. We mainly were in contact with Thomas Milano, on Philip’s team, and was exceptional. Thomas kept us in theRead more
    5.00
    Kara L.
  • He was very helpful and was extremely responsive when I had questions.
    5.00
    Jacob M.
  • The house purchasing process is smooth and efficient thanks to the whole team's effort. Mr. Coon is very responsive and professional. I would recommend Mr. Coon and his team if you are looking for a home loan.
    5.00
    Lingduo Z.
  • Very easy. Loved that the notary came to me. Just wish there wasn't SO MUCH paperwork involved at closing. Felt like some of the papers were repetitive.
    5.00
    Deanna M.
  • While I had no direct contact with Phillip Coon, Brian Baker did a great job staying in touch with me throughout the process and did everything possible to keep us on schedule.
    5.00
    Steven P.
  • Phillip Coon is a total legend. Closes loans harder then anyone I know. Works in his sleep. Answers phone calls on vacation. Gets it done. I want my son to be like him when he grows up.
    5.00
    Neil D.
  • Communication was key for us, and Phillip made sure we knew what was going on during what may appear to be "down time" for the customer. It clearly is notRead more
    5.00
    Teresa L.
  • Mr. Coon and team were very professional, efficient and understanding. Thank you all for your help
    5.00
    Parastu M.
  • Phil and his team made my experience super easy. They did a great job with communicating all the information I needed. In a timely manner as well. Very happy with the work they did.
    5.00
    Charles F.
  • all information requested was done via the internet. Sending & receiving information was a breeze,
    5.00
    Linda S.
  • .
    5.00
    Danielle H.
  • This is the second time using Phillip and C & F for our mortgage needs. He is always so quick to respond to any email. The entire team we haveRead more
    5.00
    Amanda R.
  • Brian Baker and the rest of the team did an amazing job! Thank you all so much, we LOVE our new house!!!!!
    5.00
    Catherine M.
  • Phillip and his team took their time to make sure we thoroughly understood the entire process. Everything ran smooth, what we thought would be the most stressful part of our lives happened to be the easiest!
    5.00
    Kahlyn H.
  • The knowledge and level of experience Phil and his crew have made the entire loan process smooth and easy. Everything was done in a timely fashion and on schedule. Would highly recommend anyone to use him.
    5.00
    Joshua D.
  • Phillip and his team made this process very quick and very easy!
    5.00
    Joshua J.
  • Phillip and his team provided excellent service, great advice on options, and provided all in a very timely manner based upon other parties delays. I would highly recommend Phillip and his team for any and all future mortgage needs.
    5.00
    Richard W.
  • Phillip and his team were prompt and diligent in every aspect of the loan process. Every step was explained in complete detail and I was always given the opportunity toRead more
    5.00
    Charles M.
  • Service and promptness
    5.00
    Russell N.
  • Communication was great and Phillip made everything make sense.
    5.00
    Robert J.
  • Everyone at C & F made the process so smooth, very easy to deal with and I love my new house. Thanks alot.
    5.00
    Michael H.
  • We were very pleased with the level of service Phillip and his team gave. We would definitely recommend them for your loan needs
    5.00
    David G.
  • We executed the refinance all online which was very convenient. Closing was done at work location and went very well. Questions were responded to quickly and time from start to finish of the refi process exceeded expectations..
    5.00
    Robert B.
  • When I had any questions at all. I could call Phil or the team and get an answer. Great people to work With I would highly recommend them to anybody looking to refinance
    5.00
    Nicholas H.
  • Keeping us aware of what was going on at all times
    5.00
    George W.
  • Quick and easy process to refinance. Everything was done online. Brian Baker was very responsive to any questions or inquiries throughout the process. For closing, a notary came to theRead more
    5.00
    Luis M.
  • Phil and his team kept us in the loop through the entire process and were always quick to respond to any questions we had
    5.00
    Christine S.
  • Phillip and the rest of the C&F team were great to work with.
    5.00
    Seth G.
  • Phillip kept us updated and was very responsive when we had questions. We had extenuating circumstances for which Phillip took a “personal interest” and saw to it that our loanRead more
    5.00
    Robert J.
  • Best lender in the universe.
    5.00
    Lauren E.
  • Every thing was addressed immediately and they were very professional and helpful great experience
    5.00
    Thomas W.
  • Phillip and his team are very communicative and responsive during the entire process.
    5.00
    Tracy N.
  • It was easy simple and fast! I had no problem with my paperwork. I was satisfied with everything.
    5.00
    Kimberly C.
  • Tried Capcenter and Pennymac.... Cap wouldn't refi me as I am self employed. Pennymac I couldn't get someone who spoke english well.....so I called Phillip who did my original loan,Read more
    5.00
    Chad F.
  • Philip and Thomas were absolutely wonderful to work with during my family's recent homebuying process. They were always available to us, day or night. When we had a quick turnaroundRead more
    5.00
    Ariana H.
  • Able to work with us to accomplish our goals in a challenging market.
    5.00
    Charles G.
  • Phillip was very helpful in working with me to obtain the rate that I wanted and his team had very competitive closing costs and were super friendly and easy to work with. I would highly recommend!
    5.00
    Adam O.
  • Professional and always was available
    5.00
    Allison B.
  • Customer Service was NUMBER ONE!!
    5.00
    Nestella I.
  • 5.00
    Roy A.
  • Phillip was very responsive to calls/emails and made sure things got done!
    5.00
    Corinna E.
  • Phillip was great to work with, he went above and beyond to make the refinance a pleasant experience.
    5.00
    Ian S.
  • Phillip and his team walked me through the entire process which was a huge help. I was nervous but they made sure I was well taken care of. Made me feel like family.
    5.00
    Ryan W.
  • they was great doing all paper work on a schedule and i always was sent emails
    5.00
    Daryl W.
  • Hey Phil - the refi process from a customer perspective was smooth & seamless. Communication from start to finish was timely & accurate. Closing occurred on the date given weeksRead more
    5.00
    Charles A.
  • Phillip and all the folks at C&F were great to deal with m, answers questions/emails promptly and kept me informed throughout the process. Great folks!
    5.00
    Chad Ryan M.
  • Phillip was very helpful and quick at reaponding to my questions
    5.00
    Monica D. V.
  • Phillip was the man
    5.00
    Nicholas James N.
  • You guys were amazing. The whole process was seamless. It was great working with you. Home buying process and getting a mortgage is usually stressful you guy made it very pleasant! Thanks for everything again! 🙂
    5.00
    Shahriar N.
  • Very easy to use the portal and communication was great.
    5.00
    William M. H.
  • Friendliness and open communication!
    5.00
    Mareena N B.
  • Everyone was very helpful, it’s easy to be on pins and needles when your dealing with money, banks, or other financial organizations, but this was like sitting at the kitchen table with my brother, great experience, thanks
    5.00
    Jan Thaddeus F.
  • Very efficient Always answered my questions.
    5.00
    Barbara Jean F.
  • Easy to get someone on the phone to answer questions or concerns
    5.00
    Michael Lee G.
  • Ease of use and reminders along the way in the process
    5.00
    Scott G K.
  • Have used C&F before, you and your staff are always friendly and helpful.
    5.00
    Ronald G.
  • Communication and service was great.
    5.00
    Jae Kyung D.
  • My husband and I love working with Phillip and his entire team! They are always quick to respond and communicate!
    5.00
    Sherman DeWayne K.
  • Phillip and his team attentiveness to our questions and needs. They care about their clients and their concerns. The best home buying experience. I cant thank then enough!!
    5.00
    Lesley Lorraine K.
  • Quick response and proper expectations set
    5.00
    Brian P.
  • Everyone we spoke with at C&F Mortgage was very helpful and nice!
    5.00
    Fredrick M.
  • Everyone was very professional and knowledgeable. Would recommend C&F Mortgage to anyone.
    5.00
    Dionne M.
  • You and The team were very professional and prompt in every manner along the way. I appreciate everything you and the team have done to help me with all ofRead more
    5.00
    Ryan S.
  • Top-notch service!
    5.00
    Joseph Harold W.
  • Great experience!
    5.00
    Elizabeth Lee H.
  • No complaints made my buying experience easy I didn’t feel stressed at all they were always available to answer my questions and easy our worries I highly recommend Phillip.
    5.00
    Jacob William H.
  • We have had several mortgages over the last 40 years and this application was byfar the smoothest. The advancement of doing all the documentation digitally has made mortgage application and signing so much easier.
    5.00
    Peter Joseph L.
  • Phillip made sure everything was taken care of and that all of my questions were answered. Will never go through anyone else and will always recommend him to everyone.
    5.00
    Zachary Thomas L.
  • The fast professional action taken to get our loan application assembled and then approved was great. We were never left feeling out of the loop. Thank you!
    5.00
    Bentley L H.
  • The team was speedy, efficient, professional and so much more. They met the deadline a couple days sooner than expected. When i didnt understand something they broke it down inRead more
    5.00
    Michelle S G.
  • Phil and his team were wonderful
    5.00
    Sarah Elizabeth C.
  • He is excellent at what he does and makes the process very easy to follow.
    5.00
    Austin Patrick L.
  • Quick response and great team.
    5.00
    David Laertes S.
  • Thomas Milano was very helpful and always returned calls. The website was easy to use. Overall a great experience!
    5.00
    Cynthia Dell R.
  • The whole process was easy from start to finish. It was also a faster closing then most and the deadlines were all met
    5.00
    Doreen C. E.
  • Everyone was patient and informative. Communication on your end was spot on, even when mine was not. I’m so very appreciative for you all not giving up on working with me.
    5.00
    Edward A.
  • Friendliness and knowledge of staff
    5.00
    Alyssa Dale F.
  • Great response time.
    5.00
    Darrel D L.
  • Professionalism, attitude, knowledgeable.
    5.00
    Eric Ryan T.
  • Communication was excellent. I always felt like I had an open line to discuss what was happening.
    5.00
    Sean William S.
  • Billy Stephens really got me across the finish line and help me from being to end...he helped by giving me advice on increasing my credit score and all the concerns I had trough the process...5☆☆☆☆☆
    5.00
    Victor Paul S.
  • Phillip was an absolute pleasure to work with, answered all our questions in depth and explained everything, even down to the minute details.
    5.00
    Christopher T. J.
  • The whole team were wonderful to work with, very responsive to phone calls and emails! Would highly recommend their team.
    5.00
    Nicole J.
  • Keep me in the loop and answered questions quickly.
    5.00
    Wendy Lynn M.
  • They have been there every step of the process and fallowing up advising and drifting the process very professionally and friendly. I couldn’t ask for better team to assist myRead more
    5.00
    Bora E.
  • Billy Stephens great to work with and Emmy as well.
    5.00
    John Carroll S.
  • Every person I worked with on the C&F team was very knowledgeable and responsive, which I, someone who was ignorant to the process, appreciated. I felt reassured that I wasRead more
    5.00
    Erica Leigh A.
  • Great experience from this entire team!
    5.00
    Donna M.
  • The speed and convenience to close was incredibly amazing, Thank you!!!
    5.00
    William D V.
  • The team was very pleasant, responsive and helpful! It was a smooth process.
    5.00
    Sarah T.
  • Phillip and the entire team were exceptionally responsive and answered every question thoroughly throughout the process!
    5.00
    Joseph G.
  • Friendly, professional team that helped us through the process with ease, answering all of our questions and concerns. This was the easiest loan application we have ever experienced!!
    5.00
    Jennifer G.
  • The whole team worked hard getting my special situation handled, I truly appreciate all of them.
    5.00
    Amy Michelle M.
  • Thank you Phillip and Thomas! It was a pleasure working with you both. I was refered to you by a friend and man am I glad. Y'all knocked this homeRead more
    5.00
    Thomas Andrew C.
  • A lot of the process is now electronic. I was able to contact someone whenever I had questions and in today’s world of automated systems and electronic paperwork itRead more
    5.00
    Richard C F.
  • Thomas and team were very informative and helpful throughout the entire process.
    5.00
    Richard Caleb H.
  • the communication
    5.00
    William J B.
  • Everyone was very helpful all around
    5.00
    Jeanne W.
  • Text and email smooth loan and closing
    5.00
    Patrick Daniel C.
  • The staff made the process so easy. They clearly explained what was happening and what to expect. The website made submission of all of the documents a breeze.
    5.00
    Juliet Harrison H.
  • Phil and Thomas helped me through the process of securing a loan on my new home. The pre-approval letter was quick and came right in time for me to makeRead more
    5.00
    Mia C.
  • Phillip and the team responded quickly and answered all of our questions. They were extremely helpful in making this process as easy as possible.
    5.00
    Phillip A. B.
  • Everyone I worked woth were extremely courteous and professional. I will definitely be recommending to everyone who is looking to buy a home. Look forward to using you in the future!!
    5.00
    Scott Dane B.
  • This team made it easy and went over and beyond with great service!
    5.00
    Ryan Christopher C.
  • Very easy process
    5.00
    Kevin B E.
  • Made sure everything was easy to understand, available at anytime if questions needed to be answered.
    5.00
    Alexis A. G.
  • We LOVE the Coon-Milano team. They worked with us on other purchases and are the BEST!!! Thanks guys for making our dream come true!
    5.00
    Christopher Shannon C.
  • Profesdional
    5.00
    Robin L.
  • Very Easy and Professional
    5.00
    Clyde Richard L.
  • What made my experience great was treated like I was number one I was important and what I was doing was important I was definitely not just another person. ThomasRead more
    5.00
    Tamra Dawn T.
  • The whole experience is wonderful and pain free. I was keep updated on everything. If I was having trouble I could call/email and got a response back very quickly. I would highly recommend y’all.
    5.00
    LaToya Shawn J.
  • The entire loan process ran smoothly. Very helpful and attentive. Highly recommend. Thank you for making this an easy process.
    5.00
    Heather C J.
  • Phillip and his team made my loan processing so easy and stress free!!
    5.00
    Linda R C.
  • excellent experience overall
    5.00
    John S.
  • All around great, very friendly people to work with. Helped guide me to my first home
    5.00
    Jacob K.
  • Great communication and kept everything reasonable and up front. Thanks!!
    5.00
    Matthew G.
  • Very patient with our mortgage process. Communicated very well.
    5.00
    Cara M.
  • Great experience on my first investment property closing!
    5.00
    Melissa B.
  • It was great working with them. They made the process easier and answered our every questions. They are very prompt and hardworking folks. As first time home buyers, we couldRead more
    4.83
    Pranaya R.
  • Prompt at responding to questions. Thorough with gathering data. Good communication as we got close to closing.
    4.83
    William R.
  • Constant and clear communication.
    4.83
    Grayson A.
  • Phillip was super helpful and knowledgeable!
    4.83
    Sarah H.
  • Great experience.
    4.83
    Nicholas M.
  • Easy to navigate through the process.
    4.83
    Riley A.
  • Phillip was very responsive and communicative. Happy to work with C&F!
    4.83
    Brandon M.
  • Excellent communication and follow up
    4.83
    Kristen L K.
  • It was really easy to figure out what we needed, get it, and get it to him. He was also really responsive!
    4.83
    Stephanie Lynn E.
  • Communication, Professionalism, and integrity
    4.83
    Philip V D.
  • Not stressful with kind helpful people makes all the difference!
    4.83
    Victoria Zena M.
  • Everything was done on a timely and professional manner.
    4.67
    John W.
  • This was our second refi qith Phillip and will be using him again.
    4.67
    David M.
  • Everything flowed smoothly. All questions were answered in a timely fashion. All hands involved were helpful in getting the job done.
    4.50
    James P.
  • Everyone was to help
    4.50
    John T.
  • Everybody was really helpful and made that stressful part of buying a house much easier. Thank you
    4.50
    Anastasios F.
  • Everything went smoothly.
    4.50
    Michael D.
  • Good experience overall.
    4.50
    Mainor Omar P.
  • Phillip and the team at c&f was great and helped us every step of the way.. They made it all easy. He was referred by another awesome employee Vicki Williams at powhatan branch.. They all was awesome.
    4.33
    Christine M.
  • Thank you so much for being professional, very knowledgeable, and answering any question we had big or small. We will recommend family & friends to the Coon- Milano Team! Houston & Kristin Bailey
    4.33
    Kristin M. B.
  • Online process was great
    4.17
    Terry L.
  • The online application process and quick responses to questions.
    4.17
    Christopher S.
  • Solid responsiveness and good clear communication.
    4.16
    Carson M.
  • Good experience
    4.16
    Glenda Yanira P.
  • Everyone stayed on top of things and moved it all along smoothly.
    4.00
    Charles Gardner M.

Why C&F Mortgage?

Local Industry Expert

We’ve built our reputation as a trusted lender since 1995 by supporting 100,000+ families, closing $21+ billion in loans and earning a 98% customer satisfaction rating.

Innovative Financing Solutions

We provide the best financing options to meet your specific goals. We are equipped with the right loan solutions and years of industry expertise to enable us to exceed your expectations.

Focused on You In-Person or Online

Complete your mortgage application digitally via C&F Express or contact us directly — we are here to provide you with our undivided attention.

First-Time Buyer Specialist

Nearly half of our borrowers are buying for the first time. We are committed to helping everyone navigate the homebuying journey.

C&F University

C&F Mortgage is focused on helping all homebuyers navigate the home financing journey with ease. We’ve built robust tools and resources to allow you to expand your mortgage knowledge and build home-buying confidence.

Helpful Articles

Let’s get your home financing journey started.

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Have questions or need support?

How do I download the mobile app?

When your loan officer sends you the link to apply for a loan or you click on the apply now link, this is the process to start your loan and how you download the mobile app.

DownloadingApp1

Enter your email address and create a password.

DownloadingApp2

Click on the link in the email you receive to download the app.

DownloadingApp3

Open the app in app store to download. Download the app.

DownloadingApp4

After downloading the mobile app for the first time, getting signed into the app will require a small setup process. After opening up the app, the home screen will display two options: ‘Get Started’ and ‘Sign In.’ Using the ‘Sign In’ button will be used once your username and password has been setup. For first time users, we will want to select the ‘Get Started’ button to create your account profile.

DownloadingApp6

After selecting ‘Get Started’ you will be taken to a screen to enter the email address you would like to use for your account profile. Be sure to check the spelling is correct and then tap on the ‘Connect’ button to proceed. If the email listed is not listed in our system, you will then be asked to provide additional information, such as your name and phone number so that we can save that data for your loan officer’s use.

DownloadingApp7

If the email address provided already is recognized in our system, rather than require more information, you will be taken to a page where we will send out a verification code to the email address. The verification code can be sent either by email or text. Select the ‘Send Code’ button to get that code issued out.

DownloadingApp8

After the account profile has been created and the password set, you will be directed back to the home screen. Tap on the ‘Sign In’ button to proceed with logging into your app.

DownloadingApp9

Enter the email address and password in the fields provided, then tap on the ‘Sign In’ button below, which is the login credentials are correct, will take you to the home or ‘Info’ tab of the mobile app where you can then begin to use the app as needed.

What documents do I need to apply?

To provide you with an accurate pre-qualification and process your loan application, we will ask you for a variety of documentation. Please note different programs require varying documentation.

At a bare minimum to complete your initial loan application, you will need the following:

  • 30 days paystubs
  • 2 months bank statements
  • Government issued ID
  • 2 years W-2s

In addition to the list above, if you meet any of the scenarios below we will request additional documentation:

Divorced or Separated:

  • Divorce Decree and/or
  • Separation Agreement

Self-employed:

  • 2 years tax personal tax returns
  • Based on type of self-employment, **may need business tax returns

Social Security Income:

  • 2 years 1099
  • Awards Letter

Receiving a Monetary Gift:

  • Gift Letter
  • Based on Financing type, Gift Documentation will be different

Fully Ratified Sales Contract (Purchase only) once offer is accepted:

  • Fully Ratified Sales Contract

Veteran / VA Loan:

  • DD-214 and/or
  • Statement of Service
How do I provide my bank statements?

As a part of the loan application process, we need the last 2 months of your bank statements for your loan application. There are three ways to upload your bank statements:

  • Automatically syncing your financial institution(s) within the app (ideal scenario)
  • Digital e-statement from your financial institution(s) online banking platform
  • Scanned printed statements from your financial institution(s)

Syncing within the App

When the question comes up to verify your assets, click on the “Automatic Check” option to continue.

After clicking the Automatic Check button, you will be able to select and/or search your financial institution where your checking, savings, investment and/or retirement accounts are held.

As you type, the search engine will produce a list of close matches. 

 

Once the login page is displayed, enter your online banking credentials to sign in. Because your security is our highest priority, your login credentials are never visible to anyone and are encrypted to ensure confidentiality.

Once AccountChek is authorized to connect to your financial institution, you will be taken to the Review and Submit page. You can click +Add Another Financial Institution to add more accounts while we finish gathering account data.

Once you have added all accounts needed to qualify for your loan, please select which accounts you would like to share by checking the checkbox to the right of each account. Once all desired accounts are Linked, click Finish & Share to complete the process! Your lender will notify you if you need to log back in and provide further information.

If you could not connect your financial institution within our automatic portal, you can provide them manually to us in the following ways:

  • Digital e-statement from your financial institution(s) online banking platform
  • Scanned printed statements from your financial institution(s)

Note: We need the actual bank statement with all pages listed, even if the last page is blank. We cannot use screenshots. We need a statement for each bank account you have.

Uploading Digital E-statement

Login to your financial institution’s online platform (preferably on your desktop)

Typically, there should be a section under your account that says “Documents” or “Statements.” Below are two examples of how it might look:

On this page, you should be able to select the statements you would like to download by either a download icon (arrow pointing down) or selecting the check box next to the two months of statements you would like to download. An example of how it might look:

When you click the download button, you will need to save these as a PDF to your computer. To save, you can do so by clicking “Save As” on the initial download or if they open on your computer you can click “File” and then “Save As.” Or, you can click the “Print” icon or “File” and then “Print” then you could change the Printer to “Save to PDF.” Example below:

Finally, login to your Simple Nexus application and upload these documents directly within your portal. Go to the “Documents” tab and upload the PDF.

Scanning Printed Statements:
To scan printed statements, please view the how-to guide below that says “How do I scan documents within the mobile app?”

How do I provide my income documentation?

As the loan application is being filled out, we need 30 days of pay stubs for your loan application.  There are three ways to upload your income documentation:

  • Automatically syncing your payroll provider within the app (ideal scenario)
  • Digital pay stub PDF from your payroll provider
  • Scanned printed pay stub

Syncing within the App

You can connect automatically within our app, or you can opt to manually enter the information.

By selecting “Automatic Check” a screen will then load where you will be presented with a search menu. You can search for your employer.

As you type, the search engine will produce a list of close matches. 

Click on your employer’s name and click Continue.

Next you will be asked to select your Payroll Provider. Click on the provider name. After reviewing permissions, click Continue to pull up the login page

Once the login page is displayed, enter your payroll provider credentials to sign in. Because your security is our highest priority, your login credentials are never visible to anyone and are encrypted to ensure confidentiality. If you do not know your login credentials, use the “reset now” link below the submit button.

If you could not connect your payroll platform within our automatic portal, you can provide the following documentation manually to us:

  • Digital pay stub PDF from your payroll provider
  • Scanned printed pay stub

Note: We need a full 30 days of pay stubs, so if the last two payroll cycles are less than 30 days, please pull an additional pay stub. We need the actual PDF download, we cannot use screenshots.

Uploading Digital Pay stub PDF

Login to your payroll provider offered by your employer, such as ADP or UKG
Find your pay statement, typically under “Pay” and “Pay History.” Pay History will allow you to capture more than one pay stub, as we need 30 days. An example of how it might look:

You should either be able to select multiple pay statements and click the download icon (arrow pointing down). Or, click into each individually and click the download icon. An example of how it might look:

When you click the download button, you will need to save these as a PDF to your computer. To save, you can do so by clicking “Save As” on the initial download or if they open on your computer you can click “File” and then “Save As.” Or, you can click the “Print” icon or “File” and then “Print” then you could change the Printer to “Save to PDF.” Example below:

Finally, login to your Simple Nexus application and upload these documents directly within your portal. Go to the “Documents” tab and upload the PDF.

 

Scanning Printed Pay stub:

To scan printed pay stubs, please view the how-to guide below that says “How do I scan documents within the mobile app?”

 

How do I scan documents within the mobile app?

Uploading required documentation for your mortgage application is necessary to ensure your loan can move forward. This process can be done in one of two ways:

  1. From the web dashboard
  2. From the mobile app

Both options are perfectly fine, but they have unique aspects to it worth mentioning. Uploading a document from a mobile device has you create the document file as you go through the process using our mobile scanner feature, whereas the Web Dashboard will require the documents already be scanned in and saved to the computer being used.

Using the Mobile App, uploading documents starts by selecting the ‘Add Document’ as shown below.

add document

From Add Document, select the option that is needed to make sure you get the document uploaded.

  • Take a Picture – Start the process of getting the document(s) to your
  • Send a File – Select a file on your phone if the document is already on the
  • Drafts & Sent – Resume sending a document that you’ve already started the process with

As we are starting the process, select the ‘Take Picture’ option. (nothing will be saved to your phone)

take picture

First you will need to name the document you are uploading. There is a list of options already you can select if you find the document name that you are uploading. If you don’t see the title of the document you are uploading, you are able to name it whatever you would like. Once the document name is intact, select ‘OK’ to continue.

click ok

A scan mode option will then be displayed. Most cases, ‘Recommended setting’ works just fine for all documents, but for color documents, such as licenses and IDs, we have a ‘Requested in Color’ option for that. Choose the scan type and click ‘OK.’

scan mode

A set of scanning instructions will be shown giving the user tips on how to properly scan the document. Your camera will then turn on letting you take the photo of the document. When you have the document fully lined up properly, select the middle button on the bottom option to take the scan.

scan crop

Once the scan is taken, there will be a cropping tool that will let you make any adjustments needed. Once the adjustments are made, select the ‘Crop’ option to continue. If you need to take a scan of the document again though, you are able to click ‘Back’ to retake the scan of the document.

scan crop back

Next will be a contrast adjustment filter to make sure the document is clearly legible. Once you can read it clearly, select ‘Done’ to finalize these edits.

adjust contrast

After completing the edits to the scan, there will be a review page where you give a final approval on the document. If the document looks great, you can click ‘Send’ to upload the document to your account profile. If the document has more than one page, you can instead click the ‘Add Page’ option to scan the next page, where you can repeat this process until you have the full document ready to upload.

send

Once you are done, select the ‘Send Securely’ button to upload the document. You will get a confirmation once the document has upload successfully, and you can then close out of the app, or you can instead just click the ‘OK’ button that would appear to go back to the home page of your app.

send securely

Final notes: Scanning your documents in via the app is secure. Also, the scanned documents are not saved on your phone like they would be if you take a picture and send them in via email.

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