Charles Preferred- circle
Charles Merrill

Sr. Loan Officer / VP / Sales Manager , NMLS# 219118

Address: 301 S 10th St, Richmond, Virginia 23219
O: 804.858.8334 M: 804.370.4577 F: 804.419.2963

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.

Charles Merrill | Sr. Loan Officer / VP / Sales Manager NMLS# 219118 | 804.858.8334

Susan Sprouse | Production Assistant | 804.858.8345

Customer Reviews

  • Charles and C&F's team were responsive and helped close a fast deal (21 Days) without any hiccups.
    Thomas Joseph G.
  • Speed, communication, everything really.
    Aneesha R.
  • Charlie, Susan, Julie, and everyone else on the backend I didn’t get to interact with were knowledgeable and helpful getting this across the finish line. An out-of-state purchase presented uniqueRead more
    Stephen H.
  • Everyone was very helpful. They held my hand and guided me thru the process. The communication was Excellent and they went above and beyond to keep me abreast on incomingRead more
    Gwendolyn C.
  • Financing did not hold up any aspect of our home buying process
    Zachary J. R.
  • As a first time homebuyer I had a million questions and Charles and his team answered every one of them.. multiple times… to ensure I had a solid understanding of what was expected!
    Lawana Baker S.
  • Charles and his team were incredibly friendly, patient, and accommodating through our first home-buying experience. Start to finish, we felt confident and well informed as we made our way throughRead more
    Peter B.
  • Charles is wonderful! He and his team made my home purchase seemless. This is the 4th home I have bought and by far the best experience. Thank you Charles andRead more
    Patricia Ann P.
  • Charlie made us feel at ease the entire way. He has a commanding knowledge of the products he is offering and how it fits with the consumer. He has excellentRead more
    Justin Allen S.
  • The team kicked ass, plain and simple. Underwriting was a bit of a bear...but I understand the complexities of my situation and can respect their need for diligence.
    Timothy Kyle B.
  • Charles knows the mortgage business and breaks it down so the process is easily understood. I refer him to all of my clients.
    Dawn B. R.
  • Charles was responsive to requests, and ensured that we locked our great interest rate-- at a point in time, when rates were skyrocketing across the country.
    Jason B.
  • Charles and his assistant Susan were always available to answer any questions.
    Brock A B.
  • Mr Merrill and his associates never gave up and were even more committed to obtaining documents from my former mortgage company which were vital to my refinance. I have neverRead more
    Virginia Natalie C.
  • I love this group of people Charles was my agent and he made buying a home smooth. I also talk to some of his other associates and they were justRead more
    Robert Allen J.
  • Charles was easy to work with and made the entire process smooth and painless.
    John H.
  • Charlie was excellent. He listened to our needs and communicated great information and guidance. Really a fantastic person to work with!
    Anthony Angelo D.
  • Excellent and prompt communication.
    Edward Keenan S.
  • Charles and his team were very responsive and helpful throughout the process. This was our first time buying a home and they broke it all down for us.
    John T H.
  • Very personable and thorough. Prompt callbacks and answered questions at any hour.
    Brian E.
  • Very responsive to all questions and got our loan done in a timely manner
    Christopher D.
  • Charles and team communicated well and were able to deliver as indicated.
    Robert Christopher L.
  • Charles was kind, patient, available, and extremely knowledgeable about the whole process. He was perfect for us as first time home buyers.
    Nicholas Harrison Z.
  • Charlie's professionalism and knowledge of the current Market place.
    Christopher Allen B.
  • Charles and his staff communicated with us on a regular basis keeping us well informed throughout the process. Additionally, the app they have works great making it easy to trackRead more
    Robert James P.
  • Charles is extremely knowledgeable, very responsive and very helpful.
    Frances K B.
  • Charles made our loan experience amazing! He was there whenever we needed him and very informative. We were able to by an incredible home that we thought we’d never getRead more
    Jennifer R. B.
  • Charles was very friendly, helpful, and knowledgeable. He made a daunting undertaking seem like something we could accomplish with ease and come out the other side happy and excited about the outcome.
    Jacob A. B.
  • Mr. Merrill did a wonderful job of sharing information clearly at all stages of our application. As a first-time homebuyer, that was very important to me. I also really appreciateRead more
    Bryan M.
  • Efficient and thorough advice and information provided throughout the entire closing process.
    Briana Frances D.
  • Working with Charles. He takes the time to explain everything and makes you comfortable with the decisions you make about buying a home. He is always available to answer your questions and his team is amazing.
    Stacy D.
  • Charles is extremely knowledgeable and was an excellent communicator throughout the process. He took the time to explain things when that was needed, but was always efficient and conscious ofRead more
    Christopher A.
  • Supportive, made the closing very easy. Was available for consultation and clarification prior to closing.
    Marion Concetta M.
  • The online forms and docu sign was super easy and efficient. The team's response time was very fast, and they were attentive to my needs. Most importantly, Charles and hisRead more
    KaLisi Jo T.
  • This process was so much easier because of Charles and Julie. I can’t say enough good about them!
    Melissa Lee C.
  • Charles took the time to explain everything to us and answer any questions we had. He made sure we knew he was on our side working for us.
    Gary F.
  • Charles was so helpful during our first home-buying experience. He patiently answered all of our questions and made us feel prepared to purchase our home.
    Eury J.
  • Great communication and fast paced
    Nasim H.
  • Great communication and timeliness.
    Robert Edward D.
  • Open and honest communication.
    Nicholas Allen M.
  • Charles is excellent at communicating and helping me understand all the steps of the process and has always been very supportive. This is the 2nd time he has helped me with my mortgage and I highly recommend Charles.
    Cynthia D.
  • Charles was great to work with and was always willing to offer great advice!
    Kevin R.
  • You guys did a fantastic job
    Denise C.
  • Charles is the man! Been using him for 15 years for all my clients and about 10 personal loans for my own properties.
    Ryan S.
  • Charles and his team worked so hard to get us the best rate and savings. Much appreciated
    Mary M.
  • Charles Merrill is thoroughly knowledgeable regarding mortgage loans and is a top-notch communicator. He effortlessly improved my loan application, saving me hundreds of dollars per month. I did not feelRead more
    Robert R.
  • We cannot say enough great things about our experience with Charles. From talking us though the process to being patient with all of our questions, Charles was not only knowledgeableRead more
    Benjamin R.
  • Charles and his staff kept me informed throughout the entire process and answered my questions anytime of day.
    Walter K.
  • Loved all the automated options, you returned calls fast! I always understood where we were in the process!
    Roberta R.
  • The no pressure, relaxed communication and the ability to work with us knowing we had to wait for a few things to fall inline. I have bought 4 homes inRead more
    David L.
  • Professionals who care about their client
    Daniel B.
  • Despite the crazy file I have they patiently helped me get my purchase done. Looking forward to the rest of refinancing done
    Nicholas F.
  • Charles was hands down the best resource I had while buying a house. He was my lifeline and voice of reason when jumping into the unknown. I consider him aRead more
    Connor H.
  • Charlie was awesome! He was straightforward, timely, efficient and provided different scenarios and explained them well in layman terms making the entire process easy and seamless.
    Ujwala W.
  • Charles was great to work with! As first-time home buyers, we were very anxious and had several questions; Charles answered all of our questions thoroughly and in easy-to-understand ways. HeRead more
    Rebecca L.
  • Cassie Dickerson is a Rock Star.
    Nathan A.
  • Charles was very helpful throughout the process. He reassured me as things changed and made sure I felt comfortable with all aspects of the refinance. I appreciate him, Susan andRead more
    David E.
  • Answer all questions and listen to my concerns
    Crystal D.
  • Very helpful. Easy process
    James W.
  • Working in the real estate industry, I am completely blown away at the ease of this transaction. Charlie is an expert and walked us through this process every step ofRead more
    Justin A.
  • Charlie walked me through every step and took the time to explain things that I didn't feel 100 percent sure about. Submitting documents was easy and responses from his team were quick and concise! 5 star experience throughout! Thank you!
    Matthew W.
  • Charles was an absolute pleasure to work with. He and his team made the whole process easy and painless. We were able to ask for his advice early on, andRead more
    Shannon K.
  • I was a first time homebuyer purchasing in a private sale and had many questions about the process. Charles and his company were recommended by a friend, and I couldn’tRead more
    Keith S.
  • Mr. Merrill was highly responsive to my needs and requests. He communicated frequently and clearly, answering any questions and addressing all concerns. The process of uploading documents was extremely efficient.Read more
    Robert D.
  • Charles Merrill & Susan Spence
    Robert V.
  • I never met Mr. Merrill face to face. However, through our phone conversations it was more like talking to a friend than a mortgage lender.
    Danny H.
  • Charlie and his team made a complicated process smooth and simple. Exceptional team!
    Stephen C.
  • Charles and his team demonstrated how much they cared for my loan personally. He, along with Julie, Susan, and the back office staff were communicative, friendly, and prompt. I hadRead more
    Myles D.
  • Charles was very patient and helpful throughout the process and really made what can be an unpleasant experience simple and hassle free.
    Gary J.
  • Working with Charles Merrill and his team has been a pleasant surprise! The thought of refinancing was stressful, and now I know it’s just a matter of working with theRead more
    Claudine E.
  • Great communication and responsiveness.
    Raymond V P.
  • Charles offered his assistance beyond business hours. He was able to take our calls when requested and helped us along the way through the entire process.
    Joseph Tyler N.
  • Charles gave great advice, both from a professional perspective and a personal one - he was very attentive, available, and conversational, making my second homebuying experience a breeze.
    Matthew D.
  • The communication between Charles and team was very good. They were responsive and helpful along the way.
    Kenneth A.
  • Charles and his team are very professional and easy to work with. They were happy to answer all my questions and worked with me throughout the whole process. Would highly recommend!
    Maria K.
  • Working with Charles was great. However, it seemed every time our account got handed off to someone else we had to provide the same information again. Might just be myRead more
    Michael James P.
  • Charles took the time to explain the disclosures to make sure all my questions were answered. He did additional analysis to tell me where the the price difference between theRead more
    Carver C.
  • Charles is really the big factor that made the experience great. He was always available, and had the time and patience to explain to us what our options were. AndRead more
    Zachary Douglas H.
  • Easy to work with. Appreciated quick feedback from team. Was hard to get in touch with via phone sometimes
    Lauren T.
  • Very clear about answers to my questions.
    Mary B.
  • Thank you for your efforts
    Michael Scott S.
  • 4.00
    John A.

Why C&F Mortgage?

Local Industry Expert

We’ve built our reputation as a trusted lender since 1995 by supporting 100,000+ families, closing $20+ 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.

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