Chambers-Miltenberger Team

Brett Chambers, Bryan Miltenberger, & Libny Giron, NMLS# 1428257 | 2043530 | 2392219

Address: 10800 Midlothian Turnpike Suite 206, Richmond, Virginia 23235
O: 804.897.9120 M: 540.908.7764 F: 804.419.8166

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.

Brett Chambers | Loan Officer NMLS #1428257 | 804.897.9120

Bryan Miltenberger | Loan Officer NMLS #2043530 | 804.897.9120

Libny Giron | Production Assistant / Prestamista NMLS #2392219 | 804.909.9588

Customer Reviews

  • Everyone made this experience informative and simple. Also all the kindness we were shown made a big difference.
    Kevin V.
  • great!
    Natalie S.
  • We had some complicated situations and Brett (& the entire team) were on top of it right through to the end of closing. Would definitely recommend them to friends!
    Susan B.
  • Great communication initially but as we moved forward it seemed to be less and less.
    Alyze B.
  • Great communication. Easy experience with providing documents online.
    Lisa S.
  • Smooth sailing, no hard work on my end. A great experience.
    Joey H.
  • Brett is wonderful and he has lot of patience and answered all our questions. Thank you so much.
    krithika r.
  • Brett was always transparent with me and went out of his way to ensure that I was getting the best deal possible.
    Zachariah A.
  • Brett and Anne were fantastic. They provided all the information to us quickly and answered any questions we had. We couldn’t of done it without them!
    Christopher G.
  • Brett was amazing with helping us finance our first home!! I highly recommend him to anyone!
    Kaitlyn F.
  • Brett was very helpful and quick to respond. 10/10 would recommend.
    Victoria P.
  • Consistent follow up and updates with the process.
    Christopher J.
  • My experience with C&F was awesome and I could not have had a better time!
    Brandon G.
  • Brett was available for any questions we had and made the process go very smoothly. Would definitely recommend!
    Marian S.
  • Awesome team to work with!
    Alysia M.
  • Brett was incredibly available. Responded very quickly to all questions, and even advised on what would be best on related issues to home insurance, etc...
    Aaron A.
  • Brett was amazing and I highly recommend! He was quick to respond and helped us every step of the way!
  • Communication was great through the whole process, which made the experience easier than I anticipated.
    Michael S.
  • Brett made this process as smooth as possible and was always available to answer any questions or concerns! We were so lucky he was recommended to us!!
    Jessica C.
  • Brett it is a friend out of the office and a trusted professional inside the office. I knew I could count on him to have my best interest at heart.
    Timothy L.
  • Staff was extremely polite, professional and responsive.
    Eric N.
  • Brett was very helpful and answered all of our questions, kept us updated and made the process easier than expected.
    Kristi N.
  • Brett was very accommodating and responsive to questions we had during the process!
    Michael A.
  • The process was easy. They were always available to answer questions and were proactive in helping me walk through the process for the first time.
    Megan A.
  • Brett was always in contact with me to keep the paperwork process going smoothly all the way through till closing. Brett gave good advice on different options to help when purchase a house financially. Great experience, highly recommend brett
    Austin M.
  • As a 1st home buyer, Brett Chambers made the experience easy for me, always there when I needed a question answered or easing my mind with any doubts or fears.Read more
    Dionne M.
  • Kept me informed about the process and what was needed within enough time for me to provide what was needed in a timely order.
    Eva D.
  • Brett set the expectations of the process and gave advice on simplifying the process. Everything worked out exactly as expected and he really eliminated some stress from the home buying process.
    Corey H.
  • Brett was very knowledgeable. He made me feel very comfortable asking any questions and got back to my very quickly with his responses. I have already referred a friend to him!
    Janette H.
  • Super quick and helpful through the entire process!
    Cody N.
  • Mr. Chambers was professional, informative, honest, caring and always looking out for my welfare involving the transaction of this loan... Thank you so much!!! sandra g.
  • Brett was always available to talk with. He will call you back as soon as possible. He has advice or suggestions you can use.If he does not know the informationRead more
    Judy A.
  • Great communication. Good system to upload data. Brett was on top of everything and kept us posted through the whole process.
    Barbara A.
  • Brett made it Happen !! Fantastic guy
    William S.
  • Amazing person to work with! Always kept me informed and explained things when I didn't understand! Made the whole refinance process super easy and stress free!
    Elias G.
  • Everything
    Theresa E.
  • Brett and his team made this process as painless as possible, even with a global pandemic going on! They were very knowledgable and were able answer all of our questions.
    Albert L.
  • Brett was great! Thank you so much!
    William E.
  • Brett made the home mortgage process incredibly simple. He was always available to answer questions and give advice. We had a great experience, and will definitely be recommending to our friends.
    Hope F.
  • Brett answered all our questions and helped us through the process.
    Anna C.
  • Brett always takes the time to answer any questions I have, and I always feel like he is looking out for my best interest.
    Andrew J.
  • 5.00
    Blake B.
  • Consistent communication and guidance.
    Charlotte A.
  • Brett’s clear communication and knowledge of the process made our experience with C & F an amazing one! He and his team were very responsive and I personally loved theRead more
    Priscilla H.
  • Mr Chambers and his are very professional, helpful and efficient. The whole process was handled quickly and efficient.
    Byron A.
  • Brett worked to get us the best deals possible and remained extremely transparent throughout. Awesome experience with an awesome guy.
    Brennan R.
  • Brett makes an overwhelming process manageable. He is direct and supportive. He kindly answers the millions of questions that arise and responds to every phone call and email promptly.
    Katherine M.
  • Brett was very helpful and informative throughout the process. Everything went smoothly.
    John K.
  • Situation was a bit complicated; Brett and Emmy communicated and help every step of the way.
    Christopher J.
  • Brett did a great job helping us secure the right loan for our family in a challenging housing market.
    Joel K.
  • I have worked with Brett and Bryan on my Home loan. Brett made the entire process extremely easy and explained all the questions in a timely manner. He kept meRead more
    Purushottam R.
  • Jenny and I were very fortunate to work with Brett as our loan officer. He was extremely helpful explaining every step of the process in purchasing our new home andRead more
    David R.
  • Very responsive and knowledgeable. Great to work with. The whole process was painless.
    Samantha E.
  • Brett and his team went above and beyond to answer question during the home buying process.
    Michael E.
  • Brett made the home buying process smooth for me. He provided excellent communication and made me feel like a priority.
    Joshua Brett M.
  • brett was so attentive and helpful with every question i had along the way. i can't thank him enough for everything he did.
    Nicole Marie K.
  • We had a fantastic experience working with Brett and his team at C&F. Our questions were answered promptly and clearly every single time! There are great systems in place, notablyRead more
    John Kemp R.
  • Brett and his team did everything they could to explain every step of this process! For a first time home buyer, like myself, this reassured my decision to use themRead more
    Ethan S.
  • Brett and his staff did an excellent job communicating throughout the process. I also appreciated the web portal for document handling/uploads.
    John Edward B.
  • Brett was amazing to work with, especially given that this is the first home I’ve bought on my own. He was patient, detailed and descriptive in breaking down and decipheringRead more
    Lisa C.
  • He returned calls and or emails. He remained patient when I got frustrated at times and he never took things personally. He was professional in all of his interactions. ProfessionalismRead more
    Sigfried R.
  • Brett is wonderful. I always refer him and have nothing but great things to say about his communication and expertise.
    William Edward N.
  • I was able to ask Brett or anyone on our lending team questions and they all were very informative and responded very quickly. They made this long process as easy as possible.
    Taylor A M.
  • Brett and his team were outstanding throughout the process. Communication throughout was on time and very professional
    Mark E K.
  • Brett is incredibly responsive and always available well beyond what I would consider regular business hours. He makes himself available basically 24/7 and is fast with all replies and answers questions thoughtfully and fully.
    Cameron G W.
  • Brett helped me with everything untill the closing he called me every once in a week just to make sure everything is smoothly i would recommend C&F mortgage company to all my friends simply they are the best
    Shah A.
  • Brett was attentive and thorough and explained every step of the process very well. He communicated with me regularly and was very professional and courteous. The online process was clear and effective.
    Brenda C.
  • Brett was fast and easy to deal with, and when we had a issue brett talked us through it.
    Virginia M.
  • Brett and his team were super responsive, answered all my questions and made me feel very comfortable throughout the process.
    Sydney Susanne S.
  • Great communication and assistance through the process. Really cares and finds ways to help when needed.
    Benjamin S.
  • Brett is hands-on, honest, and quick at responding and being available.
    Noah V.
  • Brett was very nice, responsive, and kept us informed.
    Elizabeth Darcy F.
  • You are were great about explaining everything and answering any questions that I had.
    Taylor W.
  • Friendly, take his time to answer your questions
    Juan P M.
  • Thank you for everything Brett, it was a pleasure working with you and your team throughout this process! You were very generous with your knowledge and time 🙂
    Lauren T.
  • Brett made everything smooth and we barely had to do anything. Ran into a little snafu two weeks from closing but he was communicative and it was resolved quickly.
    David W.
  • The entire team made me comfortable & was always helpful to assist with any questions I had I enjoy working with them all.
    Natisha Lachelle H.
  • It was a uphill battle do to my poor credit history and Brett worked his b*** off to get me into a home and could have given when things got difficult like alot of people do!
    Michael S.
  • Regular phone calls to answer questions and simply check in.
    Ryan S.
  • The prompt communication and responsiveness made this process so easy to work with Bryan and Brett. We would highly recommend them!
    Alexandra H.
  • Brett is very knowledgeable and always quick to respond to any questions you have. He made our home-buying experience very smooth and stress-free.
    Chad Franklin C.
  • Excellent communication, so patient with our questions and incredibly efficient with our insane timeline, hands down the absolute best experience with a mortgage we’ve ever had! Can’t recommend them enough!
    Kara O.
  • Brett and Bryan were great to work with, They really go above and beyond for their clients.
    Benjamin S.
  • The communication and willingness to help and answer questions
    LaFonta K.
  • I was at ease throughout this process that I expected to be stressful! The team, Bryan specifically, had thorough and quick responses to my questions. Thank you all so much for the assistance and professionalism!
    Jenna M.
  • Brett was amazing. I had a lot of issues that most people would not be understanding. He helped me so much. I would highly recommend them to anyone!
    Lindsay Elaine C.
  • While the underwriting processing was a bit frustrating, Brett and his team were very helpful in navigating various back-forth exchanges to complete the transaction.
    Jeffrey Arthur G.
  • You explained any obstacles that came up. You were well informed. Gave us alternatives that ended up being better than our original plan and if we had any questions you answered them throughly.
    Shelby K.
  • Everyone was so knowledgeable and prompt and really nice as well. Made the process smooth and easy. Really appreciated how attentive everyone was.
    Darius S.
  • Thank you so much
    Ana P. A.
  • Timely and convenient!
    P Marlene C.
  • Because everyone made sure that i understand the process of being a homeowner and was there if I had any questions. That made things alot easier for me.
    Mary Elizabeth D.
  • They are very helpful
    Mohammad A.
  • Super smooth and the whole team was as very responsive
    Mitchell V.
  • Smooth professional would highly recommend!
    Jesus M.
  • Brett and his team are amazing
    Jennifer S.
  • Excelente
    Rolando S.
  • wonderful communication by the chambers team . THANK YOU
    Richard C.
  • The C&F Mortgage and Chambers-Miltenberger Team was very supportive and provided excellent service. Thank you for everything.
    Gabriel B.
  • Everyone at C&F Mortgage has been AWESOME!!! Thank you and we appreciate all of you
    Leonard W.
  • Brett and Bryan are the best!
    Taylor C.
  • Outstanding team, responsive, helpful, superb guidance.
    Joseph H.
  • Brett's attitude and assistance throughout the entire process
    Oliver D.
  • Brett was always hands on and responded back quickly and with an accurate answer. Sometimes the online questions were not always straightforward but Brett always responded with what, when andRead more
    Marty M.
  • Appreciate his working with us whenever we called and needed a letter so we could submit an offer - often on weekends!
    Jennifer R.
  • Brett communicated with us thoroughly through the entire process. He took the time to address all of our many questions as first time homebuyers and was only a phone callRead more
    Chelsey B.
  • Brett was
    Marilyn K. S.
  • The service that u provided and communication
    Tyrone B.
  • The overall experience was great but what stands out to us most was the how quickly Brett and c&f bank worked with us to make our dreams come true. WeRead more
    David P.
  • In case of any query the response was quite prompt.
    Vikas K.
  • Very responsive and helpful!
    Jessica C.
  • I'm with your compony only because of Mr. Brett Chamber. He is the person which i trust. For your kindly in future business service need to be much faster. itsRead more
    Yuman S.

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.

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