Chaytor Midgett

Branch Manager, NMLS# 697554

Address: 501 Independence Parkway, Suite 305, Chesapeake, Virginia 23320
O: 757.995.0202 M: 757.705.9015 F: 804.419.8751

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

  • Chaytor, Alecia, and Mollie were amazing to work with! As a first time home buyer they made the entire process stress free and made each step easy and straightforward toRead more
    Whitney C.
  • Chaytor was incredibly easy to get a hold of, talk with, and is very informative. Honest guy. I value his experience and character.
    Jonathan David B.
  • The ease with which everything was completed made the entire process pleasant.
    Elizabeth Ann C.
  • Chaytor was responsive and provided wise counsel when asked. We felt as if he had our best interest in mind from start to finish and advocated for us when required.Read more
    Joseph Ryan M.
  • Communication was awesome
    Steven Ross H.
  • Chaytor and his team made the process so smooth, the communication was prompt and helpful. It was great from start to finish. Thank you.
    Lindsey Gilliam S.
  • Chaytor and his team were always quick to respond to my questions, they made the whole process very easy. When an unexpected issue came up at closing, they fixed theRead more
    Mary Martha D.
  • Not just Chaytor, but the whole team, was always available for any questions I had during the process of buying my first home. It really helped make the overall experience a great one!
    Joseph Paul F.
  • professional team/made this refi easy and swift
  • Professional courteous and most of all made this very easy and simple process!
    JAMES A B.
  • Chaytor Midgett was very friendly, yet professional and made the entire process very easy. I would definitely recommend him to anyone seeking a lender.
    katinbahrain .
  • The entire process from start to finish.
    Frank James E.
  • Great guy makes the process super easy can’t ask for more.
  • Chaytor and staff were very helpful and expedited our refi quickly and professionally!
    David D H.
  • Chaytor and he team are awesome. The personal service with their knowledge is amazing. This is my 4 loan with him and his team. Thank you Chaytor for making it so easy.
  • Constant communication and answered all questions thoroughly.
    Geraldine M B.
  • Excellent customer service with plenty of communication. Chaytor and his team definitely delivered!
    Frederick J B.
  • Chaytor was great to work with. He was very informative always available too answer any questions we had during the approval process!
    Jerron C.
  • Chaytor and his entire team worked hard to get our crazy refi to completion! They know their products and exactly what needs to be done to make things happen! Amazing team!
    Lynn D.
  • Communication and overall friendliness of everyone.
    Kenvir R.
  • Chaytor came highly recommended from our realtor. He made the process very easy and was there at any time to answer any questions that we had.
    Christopher W.
  • Chaytor and his team were awesome through our whole buying process! I highly recommend C and F mortgage!!!
    Heather J.
  • Chaytor went above and beyond given the circumstances of the process. He and his team worked diligently to ensure the closing deadline was met, despite being given only 13 daysRead more
    Ashley L.
  • Love this Guy!!!
    Henry L.
  • Clear and straightforward communication
    Caleb G S.
  • Chaytor and his team where a dream to work with. They are on top of it for sure. I will highly recommend anyone I know to call Chaytor and his team!
    Kara D.
  • you made my husband Tyrone and I feel very comfortable in your company. Even the first night we met in your office. it was almost like we were friends foreverRead more
    Mary Jean R.
  • Chaytor, Alecia, and Mollie.
    Larry Tyrone G.
  • Help us through the entire process and made the home buying experience easy to navigate.
    William Edward R.
  • Chaytor was very knowledgeable and personable. I felt understood and that he actually listened to our needs. We did this whole process remotely since I was out of state andRead more
    Peter Julius H.
  • Chaytor and his team are phenomenal. The solid advice, reliable information, and great communication throughout the process are why I used him more than once.
    Christopher M.
  • The people that I dealt with throughout the whole process were professional and could not do enough for us. They made the whole process a pleasure. If any information hadRead more
    Craig S S.
  • Chaytor is knowledgeable and professional. Always felt he had our best interests front and center.
    Maria C F.
  • Competence, understanding, and overall perspective was great……
    Ronald D T.
  • Chaytor and his staff are the consummate professionals. Chaytor was extremely responsive, even on weekends and after hours, and answered all questions accurately and promptly. The loan process, from theRead more
    Lawrence George D.
  • When you work with Chaytor you know you are his most important client. His focus is on your family’s specific situation and the results show his years of experience.
    Anthony J A.
  • Great customer service and made it easy to go through.
    Kristin S.
  • The whole team is always great to work with! They know with my busy schedule how to motivate me to do what I need to do and how to access the information they need if I can't!
    Joy C M.
  • Chaytor was incredible and was on top of everything from locking ok no rates to getting everything prepared in a short period of time.
    Amy Elizabeth E.
  • He was always available to answer any questions and assist with any thing. Chaytor made the entire process smooth and easy going. He is very knowledgeable, he made us feelRead more
    Carolina Elizabeth L.
  • Chaytor and his team were excellent throughout the entire buying process.
    Mykell L A.
  • Chautor was extremely helpful every step of the way.
    Clayton C.
  • It was a pleasure working with Mr. Midgett and his team. The ups & downs of going through a new construction house was very emotional, and we are glad theRead more
    Kathleen Rose Ignaci V.
  • Explanation of everything
    Zachary Lesley U.
  • His professionalism and his attention to detail made it a pleasure to work with as well as his delightful staff at C&F Mortgage !
    Harry Eugene R.
  • Chaytor's personal attention and advice throughout the whole loan process was phenomenal. He is a wonderful person to work with, and we are so appreciative of all his hard workRead more
    Shannon Dawn H.
  • Chaytor is always quick to respond to any question and makes sure the entire process is great!
    Christopher William S.
  • Exceptional service as always!
  • Communicated well and looked out for the best rate.
    John A.
  • Throughout my professional and personal life I have worked with a lot of different vendors, agencies, contractors, etc...none of them compare to the level of Chaytor at C&F. The customerRead more
    Leland J.
  • Great communication!
  • Easy to work with and kept an eye on the rate, informative along the way.
    Kathy L.
  • Chaytor and Junior made the process easy and kept me up to date on status and things I needed to do and provide.
    Gregory A.
  • My experience was informative, positive, and honest. Chaytor was EXTREMELY patient and understanding through the whole process of refinancing my home. Chaytor responded to all of my calls and emailsRead more
    Dena V.
  • Throughout the entire process, Chaytor Midgett and his team were beyond professional and exemplary with their services. They kept us well informed throughout the process and ensured the best outcomeRead more
    Mahari S.
  • Chaytor and his team had the challenging task of an accelerated timeline. They killed it, and in under 30 days. Highly recommend.
    Doug R.
  • Chaytor was always very helpful and would respond even after hours. I would recommend C&F and Chaytor to any of my friends!
    KEVIN R.
  • Chaytor, Junior, and Mollie were such an amazing team to work with! Chaytor was so open and available from the very beginning to the very end, and did his bestRead more
    Lauren H.
  • Friendly, answered all questions, worked quickly to close. Thank you.
    Sharon L.
  • Every one involved with my loan made this experience very pleasant. They walked my wife and I through every step. Not one problem from start to finish.
    William C.
  • Chaytor is very friendly and is very respectful. His knowledge of the market and the product are exceptional. He is very willing to answer questions and address concerns. He isRead more
  • Great follow through Timely responses Thorough explanations of the process Friendly help Very professional Most enjoyable to work with Thank you
    Joleen H.
  • Chaytor is very knowledgeable and Professional. Kept us in the loop during every step of the mortgage process and gave good advice when needed.
    Michael B.
  • Communication with Junior Gunter was on point He was always there to answer the phone when I called and had the answers. What is normally a painful experience when re-financing certainly was NOT with Junior. Kudos to Junior!
    Mary C.
  • Chaytor and Junior are the best to work with. They are very personal and just AWESOME.
  • Very smooth process from start to finish.
    George A.
  • Chaytor and his staff were very pleasant to deal with and very helpful throughout the entire process.
    Wendy W.
  • Our entire experience with Chaytor Midgett at C&F Mortgage was outstanding. He was very helpful, informative and always timely in answering our calls or emails. We highly recommend using him for purchasing a home.
    CRAIG A.
  • Chaytor, Alecia and the whole team a great! Responsive, informative and made the first time homebuyer experience and easy one for me
    John J.
  • Expertise, Ease of process, friendliness, and communication
    Joel S.
  • Chaytor and his staff are amazing. It's always a pleasure doing work with them.
  • Very easy to work with and very helpful and knowledgeable about loans.
  • Great service as usual!
    Kenneth E.
  • Chaytor and his team provided answers to all of our questions, moved quickly on our loan and any changes, and we’re very friendly. We will definitely use them again in the future.
    Daniel T.
  • I always feel like Chaytor and his team have my best interest in mind and are working to get me the best product. I've been using Chaytor for 13 yearsRead more
    Jeffrey P.
  • Pleasant and easy to work with.
    Alice V.
  • Chaytor went above and beyond to enable use to purchase out new home. He communicated with us and kept us in the loop with everything that was going on duringRead more
    William M.
  • A
    Michele M.
  • Chaytor and his team are a real pleasure to work with. I received multiple calls from Chaytor with updates on my loan and at times advice on what we shouldRead more
    Jon R.
  • Chaytor and his team are amazing. They met all of our goals for refinancing and we will definitely use C&F again.
    Daniel W.
  • Chaytor is an absolute pleasure to work with. My family was moving from out of town and Chaytor was incredibly helpful during the process, whether it was recommending schools, restaurantsRead more
    Jason M.
  • Willing to help provide clarity when needed
    Jonathan Christopher B.
  • People helping were great. Making a complicated process so much better
    DYLAN R.
  • Very professional and knowledgeable staff. Very easy to work with.
    Kevin M.
  • Very good and responsive communication and told about everything that was going on in the process.
    Michelle B.
  • Excellent and easy to use website. Consistently good communication with company.
    Mark W.
  • Everything was communicated, fast and easy process.
  • I was continually kept up to date on what was needed and how the process was going. Everything was very orderly and easy to understand.
    JAMES E.
  • Chaytor was always available.
    David R.
  • Excellent service. Constant effective communication that made the process easy.
    Douglas Newell E.
  • Communication is key. You were able to take my account within a week, process all documentation required and allowed me to settle within a week. That could not have been completed without communication.
    David M.
  • Chaytor and Alecia were personable, highly responsive, and super knowledgeable. Chaytor kept us well informed throughout the entire process and the organization throughout the experience was impeccable.
    Kristen Aurea M.
  • Chaytor and his team made the process clear, easy and transparent. They delivered. Great job all around
    Bruce B.
  • The service from your office was great. Things out of their control because of COVID was not so much fun. Closing slid several times and I know it added additionalRead more
    Patrick 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 $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.

Ready to get started?  

Apply Now

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.


Enter your email address and create a password.


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


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


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.


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.


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.


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.


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


  • 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.


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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