matt s
Matt Sydnor

VP, Branch Manager , NMLS# 300576

Address: 4780 Longhill Road, Williamsburg, Virginia 23188
O: 757.941.3707 M: 757.897.1967 F: 804.419.8162

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

  • Matthew was very friendly, kept me informed about every step that needed to happen. He discussed all issues and answered any questions about being a 1st time homebuyer.
    Alzeania M.
  • I had an excellent experience with Matthew Sydnor. He responded fast to all my questions and the whole process was finished quickly without any complications.
    Lyudmila S.
  • Matt has financed my home twice now and has made each experience as smooth and painless as possible!
    Amber L H.
  • Matt was great to work with and was able to work around any time-delaying issues.
    Jennifer K. W.
  • Personal interaction of dealing with only one person.
    Michael Patrick S.
  • Matt made sure to answer any questions I had. Response time was impressive. Communication was exceptional which made the process go smoothly!
    Olga J. P.
  • Matt was great at explaining everything to us and answering all of our questions in a very timely manner. He even helped us find our amazing realtor.
    Christopher C. L.
  • Matt was a pleasure to work with. He was responsive, informative, & very friendly and professional.
    Terri Lynn M.
  • Expertise, good workflow and process. Trusted adviser.
    Catherine Baxter R.
  • Easy to talk to, responsive and reassuring!
    Caitlin Brooke S.
  • Clear communication and seamless process overall with electronic access to all forms and ability to submit electronically as well.
    Laura H.
  • Quick and clear communication. Always willing to answer any questions and provide helpful insights.
    Emily Lovekamp C.
  • Matt was responsive, took the time to explain to me all that was happening, and made my experience feel tailored to me
    Brian Donovan M.
  • Matt was excellent! Everything went quickly and smoothly and he kept us informed throughout the process.
    Mark A.
  • Great communication to include proactive check-ins with refinancing delays due to excessive amount of applications. Website was easy to navigate and provided useful information.
    Andrew P.
  • Great job
    Arthur W.
  • Everything went smoothly. Matthew was extremely knowledgeable, kept us on tract, answered all our questions, got us a good deal, and made our experience very pleasant.
    Ocie F.
  • 5.00
    Colby B.
  • The entire process was fairly easy. Everyone communicated the requirements and what all was needed very quickly, and Matt was very helpful in explaining all of our options.
    Leslie H.
  • It was AMAZING!!
  • Matt was very specific with instructions. Quick to give us updates and to answer any questions! Wonderful experience !
    Michelle L.
  • All on time with proper info provided to the title company. Great experience, Matt patiently answered all my questions during an overly long new construction experience. He and Dee were great to work with! Would recommend without any hesitation.
    Alison N.
  • Very positive experience from pre-approval to settlement!!
    Roy B.
  • Great experience. Matt is awesome and responds so quickly and handles any issue immediately. Will use again and recommend. Thanks Matt!
    Shannon P.
  • Matt was amazing. Super quick and helpful with everything!
    Hunter A.
  • Smooth sailing thanks to the team at C&F!
    Katharine S.
  • Informative and easy!
    Katie G.
  • Excellent support throughout the process, quick and accurate answers to all of my questions.
    Kevin P.
  • Matt was extremely responsive and proactive. I would recommend him without reservation!
    Jennifer W.
  • Matt is very quick to respond and very helpful!! We appreciate you!!
    Katie R.
  • Matt was awesome and super helpful! He was always available to answer any questions I had!! Couldn’t recommend him enough!
    Braxton C R.
  • Clear communications plus reminders to action item completion
    John Michael B.
  • Matt made the loan experience easy for two first time homebuyers by explaining each step of the process throughly. He is great to communicate with and someone you want onRead more
    Whitney A L.
  • Matt was great to work with. He was very responsive and kept us up to date on everything. Could have asked for a better experience!
    Kurt H L.
  • Being a senior citizen and going through the home-buying experience was a bit challenging for me. But I learned to depend on Matt every step of the way. His fineRead more
    Elaine M B.
  • Matthew being available when had questions and making sure we had uploaded needed materials. He also kept us informed on progress and next steps in advance. Matthew is knowledgeable of the current markets and provided options.
    Robin C. B.
  • Matt was willing to answer every question we had and quick to respond! Super helpful!
    Nicholas A. R. M.
  • Matt is friendly, helpful and knowledgeable! He made the whole process easy and everything ran smoothly. We are very happy with his service as well as Deb and everyone at C&F! Thank you!
    Kelly M.
  • Matt is amazing! Very knowledgeable, patient & thorough. His communication is superb & I always know he has my best interest. Thank you for great service, yet again!
    Lauren K.
  • Answered all of my questions quickly and helped me get the best loan for my situation.
  • He communicated well and often as needed. He answered questions with honesty and integrity. He was fair and straight forward.
    David J.
  • We have built our homes in the past, so this was our 1st as buyers. Matt was patient & helpful in his advise as a lender. The team and processRead more
    Ted A.
  • We could not imagine finding everything we needed over the phone. Matthew Sydnor made buying a house, even in these crazy real estate days, seem like eating a piece ofRead more
    William F.
  • Friendly, knowledgeable and helpful advise and support when needed.
    Mathias V.
  • The process was easy and if we had any questions matt was quick to answer them, he was amazing!
    Russell L.
  • Very responsive to any questions I had during the process. Great experience.
    Shannon Y.
  • Matt was really easy to work with, very knowledge and made this home buying experience amazing. I highly recommend Matt and the C&F Team to anyone in the market.
    Steven A.
  • Matt has helped us in the past with our Mortgage needs and when we had questions about refinancing we knew who to turn to. Matt was not only very knowledgeableRead more
    Ronald C.
  • Matt was helpful throughout the process - answering questions, providing updates, and generally making things easy.
    Reid O.
  • Availability and consistent communication made the process stress free!
    Daniel L.
  • Quick responses. Accommodated my special circumstances.
    Macon J.
  • Matt was outstanding! He was very quick to call back when you left a message . And the process was flawless. I would highly recommend Matt And CF Mortgage Corporation
    Aundre S.
  • The ease of the process. Matt made it very simple for us to complete the paperwork and answered any questions we had.
    Daniel W.
  • The whole process was fairly simple. It all went very smoothly. Thanks so much.
    Tambra J.
  • Matt was with me every step of the way making me comfortable with every little detail. He was open, honest, and transparent about the process and made something that might seem difficult for a first time home buyer easy.
    Michael C.
  • Easy to work with and helped smooth bumps for refinancing roadblocks!
    Marsha J.
  • This is the second time I have worked with Matt Sydnor and Dee Carnes and once again, their services were outstanding. Both are extremely knowledgeable, efficient and courteous which IRead more
    Nathan A.
  • Matt's communication and clear guidance at every step of the process made this a non-event. I've already recommended him to several colleagues.
    Jeffrey S.
  • Matt made the entire process easy and worry-free! We couldn't have been in better hands! He is always quick to answer any questions and made the entire process simple!
    Sara K.
  • Great communicator, very professional, & excellent service!! I will definitely recommend this service to family & friends!!
    Gerald C.
  • Matt made everything easy, answered all my questions, kept me informed every step of the way. Always got back to me the same day! Thank you Matt!
    Linda M.
  • Matt made the process very easy and painless.
    Michael K.
  • Matthew made the refinance process easy to understand and as painless as one could hope.
    Pamela L.
  • Matt is very helpful and very easy to talk to down to earth kind of guy C&F better hang on to him..It’s so nice these days to be able toRead more
    Jeffrey B.
  • From start to finish, the process of refinancing was smooth, efficient, and easy to follow. Matt was great to work with providing clear instructions, always responding quickly to any questions,Read more
    Kimberly M.
  • Matt was very responsive, knowledgeable, and kind!
    Emily L.
  • Well done, thanks!
    Leo F.
  • Matt was so wonderful to work with. This was my husband and I's first time buying a house and he helped make the process so easy! He helped answer anyRead more
    Catherine S.
  • Matt was proactive providing a tool to check out potential savings if I refinanced my mortgage loan based on current loan rates. Then we traded a few emails and aRead more
    Thomas D.
  • Matt and staff were professional, knowledgeable and friendly. Very pleased with ease of entire process. Will recommend to others.
    James B.
  • Helpfulness of your entire staff.
    Ocie F.
  • Everyone included in the process was straight forward and answered all of my questions with clear answers. The refinancing process with this team was terrific.
    Taylor C.
  • Matt, thank you. Dealings with 1st finance were a little rocky, otherwise work with you directly was fine!
    Melissa J.
  • Matt was very good in walking me through the process. He answered my questions in a very timely manner. The online signature process really makes it simple.
    Brian S.
  • Matt was very responsive and helpful; made the process simple and straightforward for us.
    David Derek A.
  • Responses were prompt and what was required of me was explained. Professional and courteous.
    Lori-Ann B.
  • Very transparent, easy to communicate. Kept us in the know
    Robert G. B.
  • .
    Alec R.
  • Having a decent IT architecture that facilitated document submission and bank-linking was very helpful.
    Andrew B.
  • It was quick, convenient and a easy process!!
    Kimberly D.
  • always were prompt with answering questions
    Mark Andrew T.
  • Matt Sydnor was very helpful in answering all of my questions and guiding me thru the process .
    Loren A.
  • Good to work with a local professional. Great responsiveness.
    Marise Henriette R.

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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