Headshot
Blair Aycock

Area Sales Manager, NMLS# 414609

Address: 1400 Alverser Drive Midlothian VA, Midlothian , Virginia 23113
O: 540.223.3898
E: baycock@cfmortgagecorp.com

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

  • Attentive,.prompt,helpful, experienced
    5.00
    William F.
    March 08, 2025
  • Mr. Aycock did an outstanding job handling our construction loan process. He kept us aware ofRead more
    5.00
    Owen Luther G.
    February 11, 2025
  • Just closed 2 house purchases end of December. Blair made the process easy and efficient. Much appreciated
    5.00
    Roger J. G.
    December 22, 2024
  • Great communication very helpful easy to work with!
    4.83
    Sean L.
    December 09, 2024
  • He consistently answered all my questions for a whole year until I figured out my GC agreement. He was professional, knowledgeable and communicated with great respect
    5.00
    Praful D.
    December 07, 2024
  • Thank you Blair for getting us to the finish line and for the great communication along the way!!! I appreciate you!!
    5.00
    Sherrell P.
    November 18, 2024
  • Very friendly and great communication skills
    5.00
    Jennifer M.
    November 07, 2024
  • It is a pleasure doing business with Blair Aycock.
    5.00
    Pearce Choessir B.
    October 27, 2024
  • I appreciate Blair's proactive approach to communication.
    5.00
    Daniel K.
    October 22, 2024
  • Blair was always available to answer questions and wiling to do all he needed to do to meet our closing deadline. He was very pleasant, professional and helpful.
    5.00
    Alex Suzanne C.
    October 08, 2024
  • Blair demonstrated an ability to break down complex terms into laymen terms. He was always responsive via email and I felt like always had our best interest in mind. IRead more
    5.00
    Thomas J.
    September 06, 2024
  • Blair consistently provides continuous communication and is always available for questions/concerns. My clients loved how easy he was to reach and his prompt assistance with the entire process!
    5.00
    Julie M.
    September 05, 2024
  • Blair gave us exceptional customer service and kept himself available to answer all the many questions asked.
    4.50
    Jaime J.
    September 01, 2024
  • A very thorough and professional process from start to finish. Well done.
    5.00
    James T.
    August 02, 2024
  • Was always informed
    5.00
    IRIS M T.
    July 02, 2024
  • Blair kept us informed and returned our calls and emails quickly.
    5.00
    Diane L S.
    June 04, 2024
  • Blair made it easy and answered every question we had. Can't thank him enough for all of his help.
    5.00
    Donald P.
    June 01, 2024
  • Blair was very attentive and we were able to close quickly.
    4.83
    Hillary C.
    May 07, 2024
  • As always, working with Blair is a breeze. He's very active in communication and helps my clients with every step of the process.
    5.00
    Julie M.
    May 06, 2024
  • Great communication and great availability when I had questions.
    5.00
    Stuart S.
    May 05, 2024
  • Blair was great to work with! He was always straight forward with me and open to giving his opinion based on his experience what the best path forward was atRead more
    5.00
    Hunter A D.
    April 17, 2024
  • Nice and smooth. Pleasantly uneventful.
    4.33
    Jason S.
    April 16, 2024
  • good communication. Able to resolve issues that arose. Would recommend.
    5.00
    Robert J. G.
    April 11, 2024
  • Blair was prompt with information and responding.
    4.83
    Teresa L.
    March 29, 2024
  • The willingness to make this whole process work for us through all the little hiccups was great. Thanks for making this happen
    5.00
    Angela L.
    March 22, 2024
  • The total effort and patience that was given in order to make my wife and I dream finally come true. Much appreciation to all involved during this process. Thank you all!
    5.00
    Kelvin L.
    March 22, 2024
  • Blair is on top of things and always answers questions promptly.
    5.00
    Deborah Brinn M.
    March 19, 2024
  • Blair and his team were incredibly easy and professional to work with. We highly recommend them for all your mortgage needs.
    5.00
    Joanne M. Y.
    March 12, 2024
  • Documentation needed was much easier since I do my business banking with Blue Ridge. The team worked well together.
    5.00
    Scott P.
    February 22, 2024
  • Blair was patient with all my questions as a first time home buyer, gave me additional resources throughout the process, was always responsive, attentive and willing to go above and beyond.
    5.00
    Caitlin M.
    January 30, 2024
  • Great communication and very professional. We will recommend Blair to everyone!
    5.00
    Michael C. S.
    January 25, 2024
  • Blair was very prompt with helping my clients! He was super helpful and great helping them through the process of buying their first home.
    5.00
    Julie M.
    January 16, 2024
  • Working with Blair for close to 2 years was awesome. The amount of emails and phone calls that Blair had to field from me, along with the many changes thatRead more
    5.00
    Brian Keith P.
    December 31, 2023
  • Availability, personability, knowledge, and assistance. Excellent!!
    5.00
    Sarah Leann Wilcox E.
    December 01, 2023
  • Having worked with Blair many times in the past I expected a good experience. I was not disappointed, as always Blair was there to answer any questions and give pertinent advice when it was needed.
    5.00
    Pearce Choessir B.
    November 14, 2023
  • First time home buyer. Blair broke things down an simplified everything for me. We ran into a huge problem with our loan, but Blair went above an beyond to comeRead more
    5.00
    Kenneth John B.
    November 06, 2023
  • The "can-do" attitude.
    5.00
    Cornelius Johannes M.
    October 31, 2023
  • There were no issues. He was easy to work with and always got back to me in a timely manner. It was a pleasure working with him and I would refer him to anyone I know.
    5.00
    Katherine Gilbert J.
    October 31, 2023
  • He was knowledgeable and always accessible
    5.00
    Stephen A. B.
    October 30, 2023
  • For one technology made it easier, not harder. Blair responded quick to everything which is nearly impossible to do these days when so many humans have so many ballsRead more
    5.00
    Jennifer J. B.
    October 24, 2023
  • Blair stayed on top of the loan and even changed the type of loan to get us to closing. Very professional and knowledgeable.
    5.00
    Sharon H.
    October 17, 2023
  • Blair es una muy buena persóna y el siempre trata de ayudarte . Si quieres encontrar un nuevo hogar es con el quien debes hablar
    5.00
    Sandra Edelmira L.
    October 14, 2023
  • Blair answered all questions
    5.00
    Shari L. W.
    August 26, 2023
  • Blair made the process very easy for me!
    5.00
    Nicholas Andrew C.
    August 08, 2023
  • Helpful guidance through a complicated process in my case.
    5.00
    Crawford E. H.
    August 01, 2023
  • Good experience
    4.83
    Morgan G. S.
    July 28, 2023
  • Blair is awesome, from start to finish it was the easiest banking transaction I have ever done and I have done very many. He is highly recommended!
    5.00
    Devon Wade P.
    June 20, 2023
  • Blair was very professional and responsive. He always kept us informed!
    5.00
    Lori P.
    June 05, 2023
  • Great level of communication and explanation when needed, got everything done on time and met the original closing date with fast and efficient problem solving when something came up that could have slowed things down. Impressed overall with everything
    5.00
    Layne C. G.
    June 04, 2023
  • Blair was responsive to any inquiry… Even on weekends (sorry-!) Closings can be chaotic but this one was streamlined—much appreciated !!
    5.00
    Leslie D E.
    June 04, 2023
  • Everyone was very easy to work with and very prompt to get out information needed. I will be sending Blair some referrals for sure.
    5.00
    Deborah Brinn M.
    May 01, 2023
  • Good communication
    5.00
    Adrianna C.
    April 16, 2023
  • Blair did an excellent job explaining the process to us. He responded quickly to any questions we had, and made the whole process easy from start to finish. Thank you.
    5.00
    Diane P. T.
    February 27, 2023
  • Blair was very responsive and communicated well with myself and the buyer. There were a few little hiccups, no fault of anyone, and he assisted to make sure we got past them and to closing quickly.
    5.00
    Maria F.
    February 25, 2023
  • Took awhile, but we got it!!!! Thanks for the patience.
    4.83
    Marla G. H.
    February 18, 2023
  • clear and responsive communication, have already referred a new customer to him.
    5.00
    Jackie L. R.
    February 14, 2023
  • Good communication, closed on time.
    4.83
    Kevin Q.
    February 10, 2023
  • Blair and his team were incredibly responsive and helpful throughout the process.
    5.00
    Joan Marie L.
    February 07, 2023
  • Blair is very informative and answered all of my questions in a timely manner.
    5.00
    James Edward T.
    February 03, 2023
  • Blair has been knowledgeable and would find solutions utilizing the team at Monarch Mortgage when we would run into issues during the construction of our home. I would highly recommendRead more
    5.00
    Natalie Alaine A.
    January 30, 2023
  • Our experience with Blair was excellent. One of my favorite things about Blair is the way he thinks ahead to anything that might be needed so that one is notRead more
    5.00
    Catherine C H.
    January 04, 2023
  • Blair took the time to fully understand our goals and the closely held businesses we have which illustrate our financial foundations.
    5.00
    James A H.
    December 29, 2022
  • Efficient process, easy to work with.
    5.00
    Mallory A.
    December 12, 2022
  • Blair's excellent communication and promptness with any questions.
    5.00
    Jackson A.
    December 09, 2022
  • Being able to communicate everything via the internet was great. Blair answered all of our questions in a timely manner as did everyone who worked on this for us. Everyone was always pleasant and the videos were helpful.
    4.16
    Joyce A. S.
    December 07, 2022
  • I would use again.
    5.00
    Susanne C.
    December 05, 2022
  • Very easy process; everything went smoothly.
    5.00
    George H M.
    November 03, 2022
  • Blair was extremely helpful and diligent while helping my family get a new home construction loan. There wasn't a question or scenario that he could not answer and was veryRead more
    5.00
    Joshua L.
    October 30, 2022
  • Blair was very patient with all our questions and made sure we get the clarity we needed as we move along the process.
    5.00
    Darice Kristelle Cal T.
    October 30, 2022
  • Good communication!
    4.83
    Suzanne N. H.
    October 21, 2022
  • Blair always treated us like we were his only client.
    5.00
    Ryan William H.
    October 21, 2022
  • Blair, is quick to respond and very through in his work. Obviously knows his business and treated my like I was his only client. Amy Spalding
    5.00
    Amy Lynn S.
    October 21, 2022
  • Great communication and customer service
    4.16
    Anne L. L.
    October 19, 2022
  • Blair was absolutely wonderful every step of the way. He is extremely knowledgeable and was very fast in his communication. He was on top of every detail and we had a fabulous experience!
    5.00
    Amy Cherry T.
    October 18, 2022
  • Blair is great with communication and it was always easy to reach him with questions. We will definitely plan to do business with him again if we are ever inRead more
    5.00
    Rebecca D W.
    October 16, 2022
  • Great rate with neighborly, small town service!
    5.00
    James Henry H.
    October 07, 2022
  • Blair was knowledgeable, pleasant to work with and the process went smoothly and quickly.
    5.00
    Patrick R. H.
    September 27, 2022
  • Blair was incredibly helpful, communicative, and drove the entire process (not to mention everything went exceptionally smooth) for getting our loan. We couldn’t thank you enough!
    5.00
    Jazmin P.
    September 25, 2022
  • Blair was always available, gave great advice, and made our loan experience efficient and pleasant. Highly recommend Blair and Monarch Mortgage and Blue Ridge Bank!!
    5.00
    William Richard H.
    September 20, 2022
  • Blair made this process easy. He was so helpful and we were very surprised at how simple the process was. Would highly recommend !
    5.00
    Debbie Sue D.
    September 20, 2022
  • Blair’s communication was clear and timely. I also felt like he gave us lots of options and explained everything very well, making the process easy.
    5.00
    Lia Pollock T.
    September 12, 2022
  • Blair was knowledgeable and answered all my questions promptly! Very easy to work with! Thank you!
    5.00
    Katie L S.
    August 29, 2022
  • Blair was very communicative and gave us all the necessary details for our loan before we even asked a question. We would recommend Blair to any of our friends looking for a mortgage!!
    5.00
    William W.
    August 27, 2022
  • Blair is a solutions guy. He's looking to close for you, and has the experience and sophistication to easily navigate any obstacles.
    5.00
    William Michael L.
    August 16, 2022
  • Blair was excellent. He was easy to reach and responsive. He was always willing to take the time to answer questions. It was a pleasure to work with Blair!
    5.00
    Susan P. M.
    August 09, 2022
  • The speed of which I was able to obtain a mortgage was great!
    4.83
    Hillary C.
    July 22, 2022
  • Great communication and effort from all of the team.
    5.00
    Robert C.
    July 20, 2022
  • Blair was great to work with. He was responsive and efficient. Great communication throughout this transaction from contract to close.
    5.00
    Stuart S.
    July 20, 2022
  • This is the fourth house we have bought with Blair Adcock. Every time has been a great experience. Blair has always made the entire process easy.
    5.00
    Pearce Choessir B.
    July 16, 2022
  • Timely. Pleasant. Good service. Reasonable rates. My clients were very happy! CynthiaHashRealtor.com Principal Broker of Find Homes Realty LLC 434-531-5351 Hash@FindHomesUSA.com
    5.00
    Cynthia H.
    July 04, 2022
  • Blair was wonderful to work with. He was very thorough in explaining every aspect of our loan to us. He never made us feel silly for repeated questions for understanding.Read more
    5.00
    Rebecca Anne B.
    June 21, 2022
  • Professional, timely & accurate advice.
    5.00
    Kenneth M. L.
    June 07, 2022
  • Blair helped everything and made our transaction smooth. Excellent communication, friendly and easy to talk to, overall a really super experience!
    5.00
    Julie I. L.
    June 05, 2022
  • Blair was tremendously helpful and professional, incredibly responsive over phone, text and email. Could not have asked for a more knowledgeable and collaborative lender.
    5.00
    Ada Maria C.
    June 04, 2022
  • The best lender experience by far and we’ve had multiple transactions with other lenders before. We wish all lenders are this responsive, an ally in the entire process following up with us whenever we had a question. Thank you Blair.
    5.00
    Tan Nguyen T.
    June 04, 2022
  • Blair was extremely helpful in our home buying process. He stuck with us through the whole thing and “held our hand”. He answered emails at all hours of the nightRead more
    5.00
    Jessica E. T.
    June 03, 2022
  • Our loan was a bit complicated, involving personal and business aspects, but Blair put it all together.
    5.00
    Helen W. F.
    May 25, 2022
  • Blair was extremely helpful throughout this whole process and very prompt with responding. We are very grateful for his efforts in assisting and guiding us through this process!
    5.00
    Sally E. D.
    May 23, 2022
  • He worked hard to fine me a loan and get me approved. No one else would help me due to my student loans.
    5.00
    Ashley Nicole D.
    May 14, 2022
  • Blair answered all of our dumb questions throughout the process of securing a construction loan. He was incredibly quick to respond and communicated very clearly and concisely what was neededRead more
    5.00
    Adrienne S.
    May 09, 2022
  • We were able to work through unique aspects and close on time.
    5.00
    Nathan Edward B.
    April 26, 2022
  • Blair and his team were great to work with!
    5.00
    Errin K.
    April 26, 2022
  • communication through each step of the process
    5.00
    Angela H.
    April 22, 2022
  • Blair's attention to detail and communication skills made the experience a pleasant one. His patient support was invaluable. He was always available to us throughout the process.
    5.00
    Reed C. S.
    April 05, 2022
  • Blair was great to work with. He was quick to respond to help with any questions we had and always kept us up to date on our loan process. 10 out of 10 would recommend!
    5.00
    James W. J.
    March 23, 2022
  • Blair was responsive, knowledgeable, and very personable. I can't say enough good things about Blair and Blue Ridge Bank. This was a great experience and we will recommend him to friends and clients.
    5.00
    Michael C. S.
    March 19, 2022
  • Blair was easy to get in touch with and very knowledgable in a complicated lending situation. He made everyone in the transaction feel reassured about the process.
    5.00
    Ivy H.
    March 14, 2022
  • Communication was excellent, as was the overall experience.
    5.00
    James R.
    March 11, 2022
  • The communication and making sure we understood the process and next step was above and beyond a very pleasant experience. Blair was on top of things every step of the way.
    5.00
    Cheryl L. A.
    February 09, 2022
  • Courteous, responsive, extremely fast and efficient. Had horrible experience at a different bank and with different loan officer and months and months of nothing happening. As soon as we contactedRead more
    5.00
    Katalin C.
    December 29, 2021
  • He provided services to the purchaser. I am the listing agent
    4.50
    Ginger S.
    December 20, 2021
  • Quick communication, easy to apply.:-)
    5.00
    Aimee M. C.
    December 20, 2021
  • Blair is very prompt with communication and was very helpful with making the process as smooth and effortless as possible.
    5.00
    Julie M. M.
    December 17, 2021
  • Blair was professional, always positive, and worked with us til the job was complete. His can do attitude and commitment to trying everything til we got it right. He’s outstandingRead more
    5.00
    Jeremy Cook W.
    December 17, 2021
  • Blair took the time to make what we thought wasn’t possible happen and for that we are extremely grateful. He always followed up and kept us informed throughout the entire possible.
    5.00
    Ashley Bunch W.
    December 17, 2021
  • Excellent customer service and responsive to requests.
    5.00
    David O. H.
    December 14, 2021
  • Blair is easy to work with and communicates very quickly.
    5.00
    Sara E. G.
    December 14, 2021
  • Blair and his team helped me every step of the way through the loan process. Thanks again, Blair.
    5.00
    Beverly A. H.
    November 23, 2021
  • Very responsive and helpful
    5.00
    Hamid A.
    November 12, 2021
  • Fabulous customer service and communication throughout process
    5.00
    Kelle A.
    November 11, 2021
  • Blair was great to work with. Always available to answer and questions. Process was smooth and quick!
    5.00
    Falecyonna Mashia T.
    November 02, 2021
  • The communication was great especially being on the listing side representing the seller, knowing when each milestone of the loan process was being met is so important. I wasRead more
    4.66
    Yvonne P.
    October 26, 2021
  • Blair helped me so much. He never gave up and was very reassuring through the whole process.
    5.00
    Isabella M.
    October 25, 2021
  • Communication
    5.00
    Christopher B. S.
    October 13, 2021
  • working with Blair and Heather
    5.00
    Donald W. M.
    October 12, 2021
  • Blair was very informative and so easy to talk to.
    5.00
    Vanessa J. H.
    October 11, 2021
  • Timely execution
    4.83
    Adam James T.
    October 09, 2021
  • Quick pivot on a delayed appraisal process helped everyone close on time.
    4.83
    Yvette S.
    September 30, 2021
  • We had no idea what the process is for this type of loan and Blair was very good at explaining it.
    5.00
    Leslie T H.
    September 26, 2021
  • There was so much ease in the process, fast and excellent communication.
    5.00
    Marcus Brent A.
    September 25, 2021
  • Very responsive, personal, and knowledgeable service
    5.00
    Benjamin Z.
    September 12, 2021
  • This was a great all around experience. From the speed at which this was handled, to the communication start to finish, just SUPERB! I will be sending more business your way.
    5.00
    Joseph P. A.
    August 31, 2021
  • Very attentive and always there to answer any questions
    5.00
    Elizabeth J.
    August 20, 2021
  • Working with Blair was a pleasure. He made the construction to perm process relatively stress free and was quick to respond to all communications.
    5.00
    Michael O.
    August 17, 2021
  • Clear communication and did all the work for us. Amazing experience!
    5.00
    Brian O.
    August 17, 2021
  • Doing a major construction project is difficult. Doing one during a global pandemic brought unique challenges. Blair was experienced and forward-thinking, doing his homework on how the bank’sRead more
    5.00
    Sarah H.
    July 21, 2021
  • Every experience was great. Blair's quick response and professional advice was amazing and made it for smooth and easy process. I will highly recommend to my friends and family.
    5.00
    James W.
    July 17, 2021
  • Blair was very knowledgeable and conveyed the information clearly. He was quick to respond and always ready to help. Would highly recommended him.
    5.00
    Sean S.
    July 15, 2021
  • Our refi experience was very easy and surprisingly stress free! We are so happy that we called our local bank to keep our business close to home! WeRead more
    5.00
    Stacey L.
    June 29, 2021
  • Blair always kept us up to date and was willing to go the extra mile explaining things we didnt understand. He really worked with us and seems very genuine inRead more
    5.00
    Christopher P.
    June 19, 2021
  • Blair was very helpful in letting me know what information was needed
    4.83
    William J.
    June 07, 2021
  • I was a little nervous about embarking on the equity refinance process but, Blair was very kind and knowledgeable in every department. His professionalism made the whole process very comfortable.Read more
    5.00
    Nicolas C.
    April 18, 2021
  • All aspects of the journey went very as expected and smoothly.
    5.00
    Paul D.
    April 04, 2021
  • Blair was very responsive and communicative throughout the whole process. He always made time to be available to answer any questions we had!
    5.00
    Katelyn M.
    April 01, 2021
  • Very easy to get in touch with. Great communication. Explained all information thoroughly.
    5.00
    Patrick R.
    April 01, 2021
  • Excellent Service! Highly recommend!
    5.00
    Jordan F.
    March 22, 2021
  • Mr Blair is very professional and courteous. He kept us updated thru out the loan process Once again we would like to work with Me Blair on our next project
    5.00
    Amarjeet S.
    March 02, 2021
  • ease of all of it and clear communication from Blair
    5.00
    Gregoire G.
    February 23, 2021
  • I have gotten mortgages from multiple banks and firms over the years. I have never had the level of: professionalism, class, attentiveness and kindness I got from Blair Aycock. He is a professional in every sense of the word.
    5.00
    Robert G.
    February 16, 2021
  • Blair and his team were knowledgeable, helpful, provided us with quick responses, and made the whole mortgage process much easier than we could have imagined! We would definitely recommend themRead more
    5.00
    Jessica L.
    February 15, 2021
  • It was a smooth transaction. Did not take a very long time. Blair was helpful to answer all of my questions. I can be a bit grumpy sometimes andRead more
    5.00
    Robert A.
    December 20, 2020
  • Everything was on time, follow up was great.
    5.00
    Robert H.
    December 15, 2020
  • Thank you for the help
    5.00
    Kyle R.
    December 15, 2020
  • Blair made the process of getting a construction to perm loan very easy and not much hassle on our parts. Our previous experience with a different bank was completely different than this and we are very grateful! Thank you Blair!
    5.00
    Emily M.
    December 12, 2020
  • Easy to deal with. Great experience
    5.00
    Jesse N.
    December 12, 2020
  • Persistence in a difficult underwriting environment. Thorough knowledge.
    5.00
    Crawford E.
    December 11, 2020
  • Blair was very helpful with our construction loan. He answered all the questions we had and was always quick to respond.
    5.00
    Andrea M.
    December 11, 2020
  • Blair was incredibly knowledgeable about the broad process of financing as it pertains to home buying. He was very prompt with delivering any and all information and necessary updates. HeRead more
    5.00
    Christopher P.
    December 10, 2020
  • got things moveing very quickly .answer all question fast to keep things moving .with everything very please with all..THANKS for everything .
    5.00
    Douglas R.
    December 09, 2020
  • Blair was very helpful and easy to work with. He was quick and efficient during the loan process.
    5.00
    Sean S.
    December 09, 2020
  • The dedication to helping a veteran purchase their home and working in an awesome time frame always there to answer my questions very genuine person will diffently use his services again and will refer family and friends
    5.00
    Elizabeth M.
    December 09, 2020
  • Blair was right on top on things and kept me informed through the process. Never once did I have to reach out to him to question timing or anything.Read more
    5.00
    Tammy K.
    December 08, 2020
  • Blair was fantastic in his communication with me as the listing agent. I really appreciated being in the loop and able to keep the Seller informed as to the loan progress,
    5.00
    Pat E.
    December 08, 2020
  • Blair was extremely professional. Our loan had several “bumps” in the road and he handled them all. We asked him to change our loan several times and there was neverRead more
    5.00
    Katherine A.
    December 05, 2020
  • Quick, efficient refinance! Thanks Blair!!
    5.00
    Candice J.
    November 17, 2020
  • Thanks for getting this done!
    5.00
    Cathy M.
    November 17, 2020
  • The communications & the speed of the response time was awesome. I would highly recommend Blair & his staff to friends & family.
    5.00
    Jerry D.
    November 03, 2020
  • Blair was patient and understanding of our situation. His communication throughout the process was exceptional!
    5.00
    Michael O.
    October 21, 2020
  • Thorough, quick and promptly answered any questions. Always available!
    5.00
    Ellen M.
    October 21, 2020
  • Blair made the process very smooth. Buying a home or refinancing can be stressful but I didn’t feel stressed. He was great with explaining the process and answering any questionsRead more
    5.00
    Michelle L.
    October 17, 2020
  • I’ve never refinanced before, and it can be quite an intimidating process. Blair was so very helpful from the start! He made the experience quick, smooth, and painless. I am incredibly satisfied and will recommend him to anyone!
    5.00
    Julie M.
    October 06, 2020
  • Step By Step Instructions And Help Give What Needed To Be Done Next,
    4.83
    David J.
    October 02, 2020
  • Blair made purchasing our second home quick and easy. He stuck with us as we went through a bunch of homes to find just the right one. Along the wayRead more
    4.50
    Randy L.
    October 02, 2020
  • Every contact I had with Blair was very friendly, and he always had the time and patience to respond to my questions.
    5.00
    Maryvonne G.
    September 29, 2020
  • Blair gave us exceptional customer service and kept himself available to answer all the many questions asked.
    4.50
    Jaime J.
  • Great communication very helpful easy to work with!
    4.83
    Sean L.
  • Blair was very attentive and we were able to close quickly.
    4.83
    Hillary C.
  • Blair was prompt with information and responding.
    4.83
    Teresa L.
  • Nice and smooth. Pleasantly uneventful.
    4.33
    Jason S.
  • Blair was great to work with! He was always straight forward with me and open to giving his opinion based on his experience what the best path forward was atRead more
    5.00
    Hunter A D.
  • The willingness to make this whole process work for us through all the little hiccups was great. Thanks for making this happen
    5.00
    Angela L.
  • I appreciate Blair's proactive approach to communication.
    5.00
    Daniel K.
  • Attentive,.prompt,helpful, experienced
    5.00
    William F.
  • Mr. Aycock did an outstanding job handling our construction loan process. He kept us aware ofRead more
    5.00
    Owen Luther G.
  • Just closed 2 house purchases end of December. Blair made the process easy and efficient. Much appreciated
    5.00
    Roger J. G.
  • He consistently answered all my questions for a whole year until I figured out my GC agreement. He was professional, knowledgeable and communicated with great respect
    5.00
    Praful D.
  • Thank you Blair for getting us to the finish line and for the great communication along the way!!! I appreciate you!!
    5.00
    Sherrell P.
  • Very friendly and great communication skills
    5.00
    Jennifer M.
  • It is a pleasure doing business with Blair Aycock.
    5.00
    Pearce Choessir B.
  • Blair was always available to answer questions and wiling to do all he needed to do to meet our closing deadline. He was very pleasant, professional and helpful.
    5.00
    Alex Suzanne C.
  • good communication. Able to resolve issues that arose. Would recommend.
    5.00
    Robert J. G.
  • Blair demonstrated an ability to break down complex terms into laymen terms. He was always responsive via email and I felt like always had our best interest in mind. IRead more
    5.00
    Thomas J.
  • Blair consistently provides continuous communication and is always available for questions/concerns. My clients loved how easy he was to reach and his prompt assistance with the entire process!
    5.00
    Julie M.
  • A very thorough and professional process from start to finish. Well done.
    5.00
    James T.
  • Blair kept us informed and returned our calls and emails quickly.
    5.00
    Diane L S.
  • Blair made it easy and answered every question we had. Can’t thank him enough for all of his help.
    5.00
    Donald P.
  • As always, working with Blair is a breeze. He’s very active in communication and helps my clients with every step of the process.
    5.00
    Julie M.
  • Great communication and great availability when I had questions.
    5.00
    Stuart S.
  • Was always informed
    5.00
    IRIS M T.

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.

DownloadingApp1

Enter your email address and create a password.

DownloadingApp2

Click on the link in the email you receive to download the app.

DownloadingApp3

Open the app in app store to download. Download the app.

DownloadingApp4

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.

DownloadingApp6

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.

DownloadingApp7

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.

DownloadingApp8

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.

DownloadingApp9

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:

  • 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.

send

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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