Page Yonce
Page Yonce Team

SVP / Branch Manager, NMLS# 320531

Address: 4480 Cox Rd. Suite 101, Glen Allen, Virginia 23060
O: 804.673.2150 ext 73501 M: 804.356.7034 F: 804.419.8494

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.

Nancy Wright | Operations Manager | 804.673.2150

Customer Reviews

  • Was an easy process and great communication from Page’s team throughout. Great job!
    Bernard C.
  • Very knowledgeable. Just call, information is free.
    David A.
  • Being able to have someone to talk to about the loan process and ask questions when something was unclear made the process easier to manage.
    Jordan V.
  • We actually did not work with Page Yonce. We worked with Sonya St. Jacques who is THE BEST! Sonya knows her stuff and kept us informed of every aspect ofRead more
    Wayne L.
  • Went smoothly and quickly, very professional!!
    Stephanie G.
  • Seamless flow to the whole process. Excellent service. Great communication.
    Kevin J.
  • I liked the app and the ease of submitting documents. Communication was clear and closing went as scheduled.
    Brenna R.
  • Very helpful during a very busy time
    Laura A.
  • Page and his team were able to cut much of the closing costs out and expedited the process quickly and fairly painlessly.
    Ted J.
  • Page was extremely helpful, responsive and informed. He knew a tremendous amount about the current market and what options were available and what best fit our needs. He was always there when we had questions or concerns.
    Cheryl L.
  • Appreciated the timely advice and diligence by the staff in preparing everything correctly. Online tools were simple to use. Great group to work with overall!
    Brian C.
  • My 3rd closing with Page Yonce and as before smooth as silk. Very competent and great rates. Would recommend highly.
    Thomas F.
  • Page was straight forward the entire process. Page and his team were very responsive whenever I had questions.
    James M.
  • The entire process
    Chelsea N.
  • Page was extremely helpful in assisting me with refinancing my home. Would recommend everyone to Page! 10 out of 10!!
    Anthony D.
  • .
    Daniel C.
  • Page was very helpful and responsive throughout the entire process.
    Debra A.
  • The help and service was great
    Ellsworth J.
  • Great group of people who kept me informed and guided me through the loan process. Flawless closing thanks to C & F!
    Diane R.
  • Sonya and Susan were great advisors. Process was smooth, advice given to me on an issue with credit score which helped my financially. Closing was smooth and have spread theRead more
    Charles A.
  • The process was smooth and simple from start to finish. Page saved us from falling into a loan offer from another lender that was a bad idea disguised as aRead more
    Caitlin M.
  • The rate was exceptional and all details were handled very well by Page and his staff
    Robert L.
  • My husband and I have been blown away by the service and professionalism we received from Page Yonce and his team. They were knowledgeable, worked with us every step ofRead more
    Katherine S.
  • Page was awesome!! He was always available to answer all our questions and helped make the whole process less stressful.
    William O.
  • nice guy. nice office people. good office location. very efficient. did papers in the office just as i preferred. good overall experience.
    Ronald L.
  • Page was friendly and folksy, while being professional. We left his office feeling very well taken care of and important to him.
    Nancy N.
  • Page is such a knowledgeable mortgage broker, as a first time home buyer, he made me feel more comfortable by explaining every step of the process in detail. He isRead more
    Adriana A.
  • Page and the entire Refi team at C&F were timely, professional, knowledgeable and most important - we closed on our refi a few days ago. They ensured the process was as painless as possible - THANKS!
    Donna F.
  • Page is one of the most trustworthy people we have ever met. We have been doing business with Page for many years and he will always be our go toRead more
    Kevin M.
  • Made it very easy and reasonable to communicate. Great job as always
    Emir O.
  • I was kept informed throughout the entire process and the final costs matched the quote given at the beginning. You leveraged technology to make the process very smooth and fast.
    David C.
  • Page is the best. I trust him implicitly and tell everyone I can about him.
    Tracy L.
  • Page made the entire experience easy, and explained everything to us so that we could make an informed decision. Page was extremely helpful and timely in his responses. Nothing but great things to say about him!
    Tyler R.
  • Page is professional, helpful, and always there to answer your questions! He was there whenever we needed a question answered or some advice. Our experiences with Page have been nothingRead more
    Rachel N.
  • Page is the best!
    Michael S.
  • Page made the whole refi process as painless as possible. I highly recommend!
    James B.
  • Page Yonce is very professional to work with he is responsive and family oriented. He always keeps our personal and financial information secure and confidential. Page has a wealth ofRead more
    Whitney R.
  • The process was extremely easy and intuitive. Everything was spelled out and simplified. Page was extremely knowledgeable and helpful. He was always available to assist us, answer any questions andRead more
    Cheryl L.
  • Very friendly, very professional. Fast response to all of my questions.
    Angela C.
  • We have used Page several times from purchase to refinance. Page makes the mortgage process very easy. He is extremely responsive. We are so appreciative of Page and his group. Thank you for all the help over the years.
    Heather H.
  • Clear explanation of benefits and process throughout.
    William A.
    Tim O.
  • Everybody was always very prompt in responding to any inquiries I may have had.
    Karen L.
  • Very helpful and everything was made rather simple and easy.
    Brian A.
  • Mr. Yonce and his entire team work hard to assure that every step is completed on time and the process is smooth. They provide explanations that help inspire confidence inRead more
    Charles A.
  • We felt very comfortable and the Page Yonce Team was helpful and looking out for us.
    Linda F.
  • Communications and responsiveness
    Patrick M.
  • Page presented a number of financing options to us for our refinance, providing the pros and cons of each to allow us to make an informed decision. The application processRead more
    Cheryl L.
  • Page and his team are top-notch providers. This loan was, by far, the best banking experience that I've had while obtaining a loan for any reason. The team was responsive,Read more
    Kelly B.
  • Page 's background and experience made it effortless and easy to understand. If I could not do something on the computer, he would meet me and go over what IRead more
    Linda A.
  • Page and his team were very helpful and the online form submittal process makes things super easy. This is our 4th house and was definitely the easiest of all our mortgages.
    Orice O.
  • Friendly and professional service.
    Teneka Rhone W.
  • Betty Vickhouse was amazing to work with. She is professional and so sweet. Thank you for everything.
    Lora Anne B.
  • The speed of getting our prequalification letter was hours and the automated system allowed me to knock out 90% of the needed documentation in a couple hours. Considering the inundation that is occurring from under writing it was incredible service.
    William George W.
  • Team provided informative and speedy communication concerning loan process.
    Janice LaVonne W.
  • They were there anytime I needed them for anything. They answered every question I had.
    Phillip Scott H.
  • Everyone I worked with was great! Both Sonya and Susan were incredibly helpful!
    Nichole L D.
  • Page made things easy every step of the way. His candid approach was much appreciated. His team was excellent and made sure that I was assisted whenever needed.
    James M G.
  • This is my 1st home purchase . And I can say through the whole experience they made me feel good about buying my place. The And also anytime I hadRead more
    Randolph Anthony S.
  • I’ve used your mortgage services multiple times for one reason, you’re the best! We wouldn’t use anyone else!
    Teresa Annette F.
  • Page’s team is fantastic!!!! They go above and beyond and answer all questions immediately. The give the best customer service I have ever seen.
    Donald Robert F.
  • Everything just ran smoothly
    Bonnie Lee P.
  • Page was extremely helpful and gave great advice to our family. We always got quick responses, at all hours of the day and night, and felt like we were aRead more
    Alinia B.
  • Being honest, helping to get the best results, giving sound advise. helping to improve to get the best results. Working together to get documents sign ASAP or getting information needed ASAP
    BARRY L. S.
  • Page, Sonya and Nancy were great to work with, always available when questions arose. The portal was very easy to manage, whether esigning or uploading documents. Excellent team, very knowledgeable and helpful.
    Kelly Miller G.
  • Very easy to work with
    Anne Elizabeth G.
  • Your team kept us updated on all aspects of the loan process, and problems were handled immediately. We had a wonderful experience from start to finish. The realtor you recommendedRead more
    Connie M N.
  • Page and his team made the home buying experience an absolute pleasure for my wife and I. Go Hokies!
    Wayne Sheldon W.
  • It was great working with Page, his team made for a seamless process!
    Holli A W.
  • Being first time homebuyers I had no idea what to expect. The team was great at laying out what to expect and walked us smoothly through it.
    Joseph Michael M.
  • Betty Vickhouse! She was a pleasure to work with! Betty answered our many questions promptly and professionally! She always made herself available for a call if needed and was aRead more
    Joanne Denzler C.
  • Page answered is phone anytime we needed him!
    Ruth Kite D.
  • Page and his team are AWESOME! This is now the 3rd house purchase (and we had a refinance in between) with Page and as long as he's in the mortgage game, we won't use anyone else!!
    Daniel R.
  • Page Yonce
    Joy D.
  • The patience and guidance we receive during the process was outstanding
    Anna Christine Nolle E.
  • Page is the absolute best! He and his team are great communicators and go above and beyond with every transaction. Page even worked over a weekend to make our closing happen on time. I can’t recommend him enough!
    John Emery D.
  • Page and his teams answered all our questions every step of the way! They were very helpful throughout the whole process and we’re very quick to process our loan.
    Tess Mary H.
  • Mr. Page and his team worked around the clock to make sure that my loan was secured and that I was able to close on my new home. I wasRead more
    Michael L B.
  • Working with Paige and Sonya has been an stress-free experience. After going through being denied alone, they made sure that we got approved. The whole loan process with them tookRead more
    Tyiesha B.
  • The whole process was fast and any misunderstandings were minor and cleared up quickly.
    Carol G.
  • Sonja went out of her way to be available and to work towards my goals!
    Ryan Jay D.
  • They definitely know what they're doing!
    Bradley Christopher M.
  • He processed our application - very efficiently and quickly! Thank you!
    Pamela G. K.
  • Communication and the willingness to explain. Finding the right loan to combat inflation and rising interest rate at the right time. Both experiences working with Page and his team has always been positive.
    Tori Antwoine W.
  • Page and his entire team are extremely helpful. They are responsive, and are willing to walk through the process with you. This Was an extremely smooth experience.
    Tyler Ray R.
  • Page and his team are very prompt and so helpful!
    Rachel R.
  • Super easy to process and great communication!
    Allison Anders G.
  • Anytime we had a question the team jumped on call to answer it.
    Aaron Richard M.
  • Page and his team were a dream to work with. When we ran into a couple of pretty big obstacles and my husband and I were not sure that itRead more
    Kristen Michelle S.
  • Page and his team couldn’t have been more helpful guiding us through the process. Everyone was very conscientious and helpful. I would strongly recommend them for anyone having to navigate the mortgage process.
    Stephen Rosser S.
  • Great experience, closing was quick and easy. Thanks for helping make our financing simple!
    Teresa G.
  • Everything and everyone was great. Super responsive and super helpful!
    Tyler L.
  • Page is fantastic. He was very helpful in finding the best mortgage options for my family. I highly recommend him!
    Beverly G.
    Teresa G.
  • The communication with C&F team was nothing short but excellent.
    Marissa T.
  • Page and his team were always prompt to help. Great experience.
    Gaurav K.
  • Absolutely great experience! Best of the best.
    Sharon B.
  • Absolutely great experience! Best of the best.
    Sharon B.
  • Page and Team are truly wonderful, understanding and help every step of the way.
    Amy S.
  • I recently had the pleasure of working with this team, and I couldn't be happier with my experience. From the start, they impressed me with their professionalism and knowledge. TheyRead more
    Katherine J.
  • This was the smoothest and most efficient mortgage process I have ever gone through. Page, Nancy and team were so patient and attentive. I will highly recommend them in the future! TY!
    Catherine R.
  • Page was always very helpful and attentive. Would take my calls and answer my (many) questions willingly!
    Forest T.
  • Great
    Michelle R.
  • Perfection!!! So thankful for this team.
    Caroline B.
  • My experience was wonderful from start to finish!
    Marion T.
  • Paige was very easy to work with
    Evan S.
  • Page and his team made it a very easy process and were excellent to deal with
    Landon K.
  • I say it every time I deal with Page Yonce, he is the absolute best!
    John D.
  • Thanks
    James P.
  • Excellent customer service
    Lisa M.
  • Page Yonce is an expert in making your home purchased goals a reality! We had a short time frame and a somewhat complex sale and it went smoothly without a hitch! thank you, Page Yonce and team!!!
    Irene D.
  • Responsive and thorough..very easy online process that keeps the client updated during each step of the loan.
    Darrell G.
  • Page and his team communicated well throughout the entire process and they were easy to get in touch with when I had any questions.
    Lee M.
  • Page is very easy to work with and always has your best interest in hand
    Thomas Robert M.
  • Good communication
    Laurie J W.
  • Working most closely with Betty Vickhouse was a plus, as she helped us figure out everything. It was our first time having a construction-permanent loan.
    Peter R G.
  • Sonya St. Jacques has the experience, diligence, and professionalism required to coordinate all facets of a mortgage process with patience and loyalty to her customer. She and Page made my mortgage experience exceptional. Many thanks!
    Jane M.
  • The number of times documents were requested should have been less. An alternative to an IRS transcript needs to be established until the IRS gets caught up
    William Joseph P.
  • Page and his team are always easy to work with and make this process seamless. We've used Page multiple times and his service is always top notch!
    Amy E D.
  • quick and easy
    Rachel N.
  • The whole team worked very well with me to get me and my family the best deal possible.
    Drewey Taylor B.
  • Very professional and timely communication.
    Mariam S.
  • Moved along very quickly.
    Melissa D.

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.

Translate »