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
Matt did a great job at guiding us throughout this process
5.00
Thomas L.
July 13, 2024
Matt was incredibly prompt, responsive, knowledgeable and patient with us as first time homebuyers. We couldn’t have imagined a better, smoother experience with everything. Could not recommend Matt Sydnor and C&F more highly!
5.00
Daniel C.
June 01, 2024
Something that could’ve been really stressful turned out to be so simple and easy . Matt goes out of his way to making the process easier. Matt’s experience is second to none .
5.00
William C.
May 21, 2024
Matt was very specific with instructions. Quick to give us updates and to answer any questions! Wonderful experience !
5.00
Michelle L.
February 08, 2024
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.
5.00
Alison N.
December 25, 2023
Very positive experience from pre-approval to settlement!!
5.00
Roy B.
November 24, 2023
Great experience. Matt is awesome and responds so quickly and handles any issue immediately. Will use again and recommend. Thanks Matt!
5.00
Shannon P.
November 02, 2023
Matt was amazing. Super quick and helpful with everything!
5.00
Hunter A.
November 01, 2023
Smooth sailing thanks to the team at C&F!
5.00
Katharine S.
September 30, 2023
Informative and easy!
5.00
Katie G.
September 08, 2023
Excellent support throughout the process, quick and accurate answers to all of my questions.
5.00
Kevin P.
August 19, 2023
It was AMAZING!!
5.00
ANTONIO A.
June 05, 2023
Matt is very quick to respond and very helpful!! We appreciate you!!
5.00
Katie R.
April 08, 2023
Matt was awesome and super helpful! He was always available to answer any questions I had!! Couldn’t recommend him enough!
5.00
Braxton C R.
April 05, 2023
Clear communications plus reminders to action item completion
5.00
John Michael B.
February 22, 2023
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 onyour team. We will absolutely use Matt again in the future!Read more
5.00
Whitney A L.
December 19, 2022
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!
5.00
Kurt H L.
December 16, 2022
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 fineadvice and knowledge not only saved me money, but put me at ease because I was so confident that Matt would watch out for my interest. I can’t say enough about how easy he made this whole process.Read more
5.00
Elaine M B.
October 27, 2022
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.
5.00
Robin C. B.
September 26, 2022
Very transparent, easy to communicate. Kept us in the know
4.83
Robert G. B.
September 10, 2022
Responses were prompt and what was required of me was explained. Professional and courteous.
4.83
Lori-Ann B.
July 13, 2022
Matt was willing to answer every question we had and quick to respond! Super helpful!
5.00
Nicholas A. R. M.
May 22, 2022
Clear communication and seamless process overall with electronic access to all forms and ability to submit electronically as well.
5.00
Laura H.
April 22, 2022
Good to work with a local professional. Great responsiveness.
4.16
Marise Henriette R.
April 03, 2022
Matt has financed my home twice now and has made each experience as smooth and painless as possible!
5.00
Amber L H.
January 29, 2022
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.
5.00
Lyudmila S.
January 26, 2022
Matt was great to work with and was able to work around any time-delaying issues.
5.00
Jennifer K. W.
January 10, 2022
Personal interaction of dealing with only one person.
5.00
Michael Patrick S.
January 01, 2022
Matt made sure to answer any questions I had. Response time was impressive. Communication was exceptional which made the process go smoothly!
5.00
Olga J. P.
December 22, 2021
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.
5.00
Christopher C. L.
December 05, 2021
Matt was a pleasure to work with. He was responsive, informative, & very friendly and professional.
5.00
Terri Lynn M.
October 27, 2021
Expertise, good workflow and process. Trusted adviser.
5.00
Catherine Baxter R.
October 07, 2021
always were prompt with answering questions
4.67
Mark Andrew T.
September 25, 2021
Easy to talk to, responsive and reassuring!
5.00
Caitlin Brooke S.
August 31, 2021
Quick and clear communication. Always willing to answer any questions and provide helpful insights.
5.00
Emily Lovekamp C.
August 18, 2021
Matt was very responsive and helpful; made the process simple and straightforward for us.
4.83
David Derek A.
August 17, 2021
Matt was responsive, took the time to explain to me all that was happening, and made my experience feel tailored to me
5.00
Brian Donovan M.
August 08, 2021
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.
5.00
Alzeania M.
July 20, 2021
Matt was extremely responsive and proactive. I would recommend him without reservation!
5.00
Jennifer W.
April 30, 2021
Matt was excellent! Everything went quickly and smoothly and he kept us informed throughout the process.
5.00
Mark A.
April 27, 2021
Great job
5.00
Arthur W.
April 22, 2021
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.
5.00
Leslie H.
April 21, 2021
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.
5.00
Ocie F.
April 20, 2021
5.00
Colby B.
April 20, 2021
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 ofcandy. Every phone call was received quickly, each question answered, and Matthew seemed like an instant friend and ally. C & F Bank is lucky to have Matthew and we were fortunate enough to have him and C & F Bank for all our banking needs!Read more
5.00
William F.
April 06, 2021
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 acouple of discussions concluding it was beneficial to me and started to start the process. His guidance to complete the process was great.
I would highly recommend him to do the same for anyone looking for a new loan moving to town or refinance and existing one.Read more
5.00
Thomas D.
March 31, 2021
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 Ifind a rarity nowadays. I have and will continue to refer C & F Mortgage because of their professionalism.Read more
5.00
Nathan A.
March 30, 2021
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.
5.00
Jeffrey S.
March 29, 2021
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!
5.00
Sara K.
March 26, 2021
Great communicator, very professional, & excellent service!! I will definitely recommend this service to family & friends!!
5.00
Gerald C.
March 18, 2021
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!
5.00
Linda M.
March 16, 2021
Matthew made the refinance process easy to understand and as painless as one could hope.
5.00
Pamela L.
March 09, 2021
Matt made the process very easy and painless.
5.00
Michael K.
March 09, 2021
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 topick up the phone and talk to somebody that works with you one on one..Read more
5.00
Jeffrey B.
March 06, 2021
Matt, thank you.
Dealings with 1st finance were a little rocky, otherwise work with you directly was fine!
5.00
Melissa J.
February 26, 2021
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.
4.83
Brian S.
February 16, 2021
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,and keeping me in the loop along the way. I hesitated to go through the trouble of refinancing because of the time and paperwork involved; however, Matt and the process with C&F could not have made each step any easier to complete. The experience I had exceeded my expectations!Read more
5.00
Kimberly M.
February 11, 2021
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.
5.00
Taylor C.
February 09, 2021
Helpfulness of your entire staff.
5.00
Ocie F.
February 07, 2021
Matt and staff were professional, knowledgeable and friendly. Very pleased with ease of entire process. Will recommend to others.
5.00
James B.
January 26, 2021
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 anyquestions we had and was so kind and knowledgeable. Thank you Matt!Read more
5.00
Catherine S.
January 16, 2021
Well done, thanks!
5.00
Leo F.
January 15, 2021
Easy to work with and helped smooth bumps for refinancing roadblocks!
5.00
Marsha J.
January 08, 2021
Matt was very responsive, knowledgeable, and kind!
5.00
Emily L.
December 29, 2020
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!
5.00
Lauren K.
December 29, 2020
Answered all of my questions quickly and helped me get the best loan for my situation.
5.00
JOSEPH F.
December 26, 2020
He communicated well and often as needed. He answered questions with honesty and integrity. He was fair and straight forward.
5.00
David J.
December 20, 2020
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.
5.00
Steven A.
December 16, 2020
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 processwere exemplary of why a local lender is the way to go!Read more
5.00
Ted A.
December 13, 2020
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.
5.00
Andrew P.
December 10, 2020
.
4.83
Alec R.
December 07, 2020
Very responsive to any questions I had during the process. Great experience.
5.00
Shannon Y.
December 03, 2020
The process was easy and if we had any questions matt was quick to answer them, he was amazing!
5.00
Russell L.
December 03, 2020
Friendly, knowledgeable and helpful advise and support when needed.
5.00
Mathias V.
December 03, 2020
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!
5.00
Kelly M.
November 09, 2020
Having a decent IT architecture that facilitated document submission and bank-linking was very helpful.
4.83
Andrew B.
November 07, 2020
It was quick, convenient and a easy process!!
4.83
Kimberly D.
November 03, 2020
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 knowledgeablebut kept in touch til the process was completed. He is professional yet has that ability to make you feel you are a priority with him.
Thank you Matt for once again helping in our mortgage needs.
Ron and Kathy LindseyRead more
5.00
Ronald C.
October 14, 2020
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
5.00
Aundre S.
October 05, 2020
Availability and consistent communication made the process stress free!
5.00
Daniel L.
October 05, 2020
Matt was helpful throughout the process - answering questions, providing updates, and generally making things easy.
5.00
Reid O.
October 05, 2020
Quick responses.
Accommodated my special circumstances.
5.00
Macon J.
October 04, 2020
The ease of the process. Matt made it very simple for us to complete the paperwork and answered any questions we had.
5.00
Daniel W.
September 25, 2020
The whole process was fairly simple. It all went very smoothly. Thanks so much.
5.00
Tambra J.
September 22, 2020
Matt Sydnor was very helpful in answering all of my questions and guiding me thru the process .
4.67
Loren A.
September 18, 2020
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.
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.
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
Self-employed:
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:
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?”
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?”
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:
From the web dashboard
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.
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)
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.
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.’
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.
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.
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.
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.
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.