Charles Preferred- circle
Charles Merrill

Sr. Loan Officer, 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 the finish.

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

Excellent service, a wealth of experience, and a great network! Even reached out and responded at odd hours meeting the highest customer service and satisfaction! Highly recommended!!

by Puneet

Charles is knowledgable and helpful in every aspect of the mortgage process. Great to work with and very professional. Would definitely use for all mortgage-related things in the future.

by Luke

Charles and his staff were professional and very helpful throughout the process. He even worked on a weekend night. I couldn't thank him enough for his help! I love my new rate and will recommend him to all my friends and family.

by Taylor

Why C&F Mortgage?

Local Industry Expert

We have 25 years in the business, helped 90,000+ families and closed over $17 billion in loans. We are a trusted local lender focused on your success.

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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