Courtnie Stone

Courtnie Stone

Loan Officer, NMLS # 1430617

  • 3720 Leonardtown Road
    Suite # 201
    Waldorf, MD 20601
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Apply NowContact Courtnie

The loan officer you work with can make or break your mortgage experience. And because there is a lot riding on your choice of home financing, we don’t take our jobs lightly at C&F Mortgage Corporation.

As a customer of ours, you can expect sound guidance from a skilled, experienced professional. Our licensed loan officers receive extensive training and are required to fulfill continuing education to stay at the top of their field. From pre-qualification to loan closing, you’ll receive legendary service from a local lender who provides you with accurate, up-to-date financing options that best fit your needs. Your loan specialist will take responsibility for personally seeing your loan processing through to completion, while promptly and respectfully responding to any questions along the way.

C&F loan officers are determined to help you reach your homebuying or refinancing goal as quickly and as economically as possible. The result is a custom-built mortgage that you can feel confident about.

  • I was referred to C&F mortgage from my realtor Ashley Dole. I trusted Ashley in making this process as smooth as possible due to my very first experience, and she did just that with C&F mortgage. Courtnie and the crew was everything I was expecting them to be very respectful, very informative of each and every step as well as being very knowledgeable about the entire process. I had many questions some that may have been too simple to ask but I did anyway, and each and every time I asked such questions C&F mortgage never made me feel like I was asking too simple of a question, and for that I appreciate you for not making me feel small. Everything worked out successfully because everything fell right in place of the timeline that Courtnie and Katherine had given me. I mean literally everything! If someone happened to be on the fence about C&F Mortgage I would give them my first experience which was horrible and tell them to compare it to my second real experience which was beyond amazing. I would tell them that they actually care about you, they actually don’t want you to fail, and they want you to be completely happy. If you want to have a smooth process and want people in the entire office that knows what their doing than C&F Mortgage is the way to go!☺️☺️☺️


  • A thank you is not enough to express our experience with working with Courtnie Stone. My husband and I first met Courtnie when our Buyer’s Agent recommended her to us. Meeting her was the best. she came into our lives when we were very frustrated and misled by another loan company. She was extremely detailed with explaining the first-time home buying process. She had so much patience with us as my husband and I were learning the loan program and working toward our first home purchase. Courtnie is amazing, she was very dedicated with fast replies to both email and text. No matter what time or day of the week she was always available for us. As other first-time buyers may feel, we were nervous and at times it was overwhelming; however, Courtnie was supportive and gave us peace of mind during the whole process. Whether you are a first-time home buyer or looking to finance another home, Courtnie will help and guide you through the entire purchasing process. Honestly, I can’t think of any way she can improve... she truly cares for her clients. She played a huge part in our dream come true! A huge thank you to Courtnie Stone and the entire loan team at C&F Mortgage!

    Joey and Janet

  • Courtnie was there for us from the very beginning, before we even looked at houses we wanted a preapproval to see if we could even buy. She responded so quickly, no matter what day or time it was and walked us through the process all the way up to settlement and even after settlement she was helping us with the first home questions! She made the buying process very smooth and explained everything in detail. She reminded us throughout it that it would be stressful, but totally worth it! The entire C and F staff was great to work with! I would absolutely recommend everyone to them! Without Courtnie I would have been lost! She is a magical worker!

    Brittany and James

  • My loan officer and her team were beyond amazing. Right from the start, I felt a level of comfort with Courtnie and her team. My situation was a little rocking because of currently facing a divorce/custody battle and additional things; I was able to feel confident enough to share the details of these situations with Courtnie and her team. They were always so quick to answer any questions that I had and always took the time to explain things in a way that I could understand them. Courtnie and her team made buying my home the easiest experience imaginable. Never once during my experience with this team did I feel any frustration or feelings of being nervous or overwhelmed. It’s nice to be able to work with people who have personality and that are truly compassionate and care about the people that they are working with.


  • Working with Courtnie and C&F mortgage was smooth sailing. Having purchased two previous properties directly from banks, I noticed the drastic difference with the process. What we expected to be difficult and a headache, Courtnie made easy. She was responsive, clear with her communication, and did not impose any last second tasks. She clearly works for her customers, which was evident in getting us a reduced rate a week before we were supposed to close - she even showed up to our closing, which is not something many loan officers, if any, do. Thank you Courtnie and your team for making our home buying process as easy as possible!

    Mike and Julie

  • We were referred from a friend who has had multiple great experiences with C&F, [so when we were looking to] purchase a home after bankruptcy, we went to them. The transaction was quick, smooth and painless, all our questions were answered in a timely manner, even on weekends. I am currently living in our new home; settlement was the original date given and the quotes for all fees was spot on. I would recommend without question. They are honest, knowledgeable and specific to detail. If it can be done, they will get it done! There is always room for improvement, but with our transaction, there isn’t anything I would have changed. I was so excited that Courtnie showed up to our settlement, that was an unexpected surprise. I am glad I got to thank her in person!


  • Working with Courtnie and the C&F Team made the complicated process of purchasing a home significantly less stressful. Courtnie was extremely professional and was ready with answers to our questions quickly and at any time of the day and weekends. She helped streamline this process and she even showed up to closing which is very rare for lenders to do. She cares about her clients and it shows. We were buying a home in Maryland while living in Florida and the process was completed with ease and we closed on time with no issues. We would highly recommend Courtnie and the C&F Team to anyone looking to purchase or sell a home! Thank you for helping us through this process in buying our first home together!

    Ashleigh and David

  • After speaking with several people, all of them pointed me to the direction of C&F Mortgage to get the best service and offer for a conventional home mortgage loan. The pre-approval process was very easy, and I was able to get exactly what I hoped for in terms of the loan and general services by the C&F Mortgage team! I was able to quickly secure a loan on a new home! Courtnie exhibited great transparency and honesty in her communication with me, as her client, which exceeded my expectations from start to finish. Courtnie’s integrity and knowledge of the process removed any doubts or potential risks that may have been otherwise possible. She was able to gain another loyal client! You will not find another person or team who will be as attentive, understanding and helpful through the loan process. I am honestly not sure what else could be done, as Courtnie and her entire team provide an “A+ Level” service. I highly recommend Courtnie for anyone looking to secure a Mortgage Loan!


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Use these handy resources to determine your anticipated homebuying costs, based on the interest rate, down payment, and other variables of your unique situation.

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Interest, the charge paid for borrowing money, is calculated as a percentage of the amount borrowed. Because interest rates fluctuate daily, sometimes hourly, the best way for you to obtain your ideal rate is to contact an experienced C&F Mortgage loan officer in your area.

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