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.
I really appreciate the excellent communication and prompt responsiveness! It made the entire process very simple and easy to understand.
5.00
Alexandria Marie D.
Bill was very patient and understanding. Very great and easy to work with. Definitely went the extra mile to make sure things were taken care of. Highly recommend!
5.00
James C. M.
Listened to what my goals were and how I like to receive information (even my preference for old fashioned paper vs electronic). Wish I had stopped by sooner. Thanks.
5.00
Elena D.
The entire team was there for me to guide me and answer all my questions. Thanks for being part of this very important stage of our family!
5.00
Eva Catalina C.
Bill and Buster worked with me to make sure we were all on the same page with my needs. They always answered my emails and call in a timely manner. They made the process smooth and uncomplicated.
5.00
Tessa M. T.
It has been a great experience working with Bill Hamrick and his fox team, very good communication skills and good to do business with. Thank You Bill,
5.00
Monica E. L.
The team was all ways on top of every detail with a quick response
5.00
Robert T D.
Efficient process
5.00
Victoria Metze K.
The process was a journey that Bill put us on. Everything he told us to do worked!!!
5.00
Frank L A.
Derick Fox was great communicated everything in a timely manner answered all questions and was up front.
5.00
Crystal G.
The level of communication effort put in by Buster is matched by none. Buster has helped multiple family members of mine over the years and treats us like one of his own.
5.00
Daniel L.
The process from start to finish was phenomenal. The communication with the staff was great, very understanding. The time frame from start to finish was accurate as they told usat the beginning. We were notified of every process and closing was easy. I would definitely recommend using them.Read more
5.00
Sandra D.
Very helpful service, made everything understandable and were timely with information. Really nice people.
5.00
Blake A.
It was just great.
5.00
Suzanne M. P.
Everyone was very responsive and helpful. When crafting the offer, Buster was able to offer some advice on terms that likely sealed the deal. I'm not sure I would have gotten the house otherwise.
5.00
Thomas B.
You were able to accommodate a 30-day close for us with short notice and we really appreciated that. Your quick responses to our questions were also very helpful. Thank you Bill!
5.00
Laraine C.
Bill is an excellent communicator and on top of his game
5.00
Ashley Elizabeth B.
Bill and his team were the absolute best
5.00
Brian C.
The mortgage loan process was easy due to the competency of Bill Hamrick’s team. We would recommend him to anyone looking for a mortgage
5.00
Michael M.
Bill Hamrick and the team at C&F were great to work with! They were effective and timely as we worked through the process. I appreciate it and would definitely recommend them. Thank you Bill and team!
5.00
Majeed A.
Bill is the best in terms of timeliness, expertise, and person-ability. This was our third loan with Bill and we always recommend him to others.
5.00
Daniel H.
Bill made our first mortgage experience an absolutely seamless one. He went above and beyond in regards to communication and thoroughness. We couldn’t recommend C&F Mortgage and Bill more!
5.00
Oddie C.
Very professional and prompt
5.00
Samantha M.
Quick and accurate responses. Stayed ahead every step of the way to prevent any issues.
5.00
Tyler L.
Although this survey is for Bill Hamrick, I want to mention that Derick Fox is who I mainly spoke with throughout this entire experience and he did a FANTASTIC jobin answering all of my questions and being available to talk when I needed him!Read more
5.00
Rachel H.
Getting a mortgage, as I found out recently, is extremely involved. There's a lot of stuff that has to happen to make it go right, and Buster, Bill, and theirteam did a splendid job at all of it. They worked around my schedule and communication restraints and kept me informed throughout, and worked hard to get the closing done ahead of schedule. I wouldn't normally write a review but for something of this magnitude the praise needs to go where it belongs - thank youRead more
5.00
Bogdan I.
Working with Bill and Buster was a very good experience. If you are thinking of buying a home you can't go wrong with this C&F Mortgage team.
5.00
Kathryn T.
Bill and his team always do a terrific job. They deserve a raise.
5.00
James P.
Bill explained to us everything that we asked and then some. He made sure we understood the process and was available when needed.
5.00
Jennifer R.
They took good care of me and stuck with me until I found what I wanted.
5.00
Joshua N.
He was very friendly, quick to respond to all my emails and phone calls and he got us the low interest rate we were hoping for!
5.00
Larkin M.
This was our third time working with Bill and his team, as always, they were a pleasure to work with!
5.00
Noelle I.
We have worked with Bill and his team many times over the past several years and always like working with them especially with unusual situations
5.00
Jeffrey C.
Communication and responsiveness between Bill and myself.
5.00
Jeffrey L.
It was such a pleasure to work with Bill! His expertise and genuine personality put us at ease and made this process so stress free! We highly recommend Bill! Thank you so much!
5.00
Susan H.
Was a pleasure working with Bill, Heather, Buster and others on their team!
5.00
Eric B.
Bill made everything easy and very clear.
5.00
Jaye C.
Buster and Bill walked us through every step of the process. Their communication was great, they knew most of the things that would be requested ahead of time and werein constant contact about additional items or clarification that were requested by the underwriters as the process went on. Would highly recommend using them for any new purchase or refinance.Read more
5.00
David C.
Super responsive and helpful.
4.83
Michael Anthony B.
Bill Hamrick is best in business
4.50
Dhanvant G.
Derrick Fox was great to work with and he really helped me out when he thought the loan might not be approved. I appreciate this level of service and I will recommend him to others in the future. Thanks.
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.
