Betty Embrey

Loan Officer, NMLS# 1909364

Address: 1320 Central Park Boulevard Suite 201, Fredericksburg, Virginia 22401
O: 540.548.8855 ext 73620 M: 540.318.9729 F: 804.419.8473

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.

Betty went above and beyond to make everything happen. She walked me through the process so that there were no issues.

by Timothy M.

Communication was on point! I never waited for a response and she lead me through the process with understanding and patience. I have already recommended her!

by Catherine M.

Betty was on top of everything. She was able to answer any questions my wife and I had. Working with Betty everything went so smoothly. She even took time out from her vacation to help us with some things. It was a wonderful experience working with Betty in this whole process.

by Dale B.

Why C&F Mortgage?

Local Industry Expert

We’ve built our reputation as a trusted lender since 1995 by supporting 100,000+ families, closing $20 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.

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