Charles Preferred- circle
Charles Merrill

Sr. Loan Officer / VP / Sales Manager , NMLS# 219118

Address: 301 S 10th St, Richmond, Virginia 23219
O: 804.858.8334 M: 804.370.4577 F: 804.419.2963

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.

Charles Merrill | Sr. Loan Officer / VP / Sales Manager NMLS# 219118
cmerrill@cfmortgagecorp.com | 804.858.8334

Susan Sprouse | Production Assistant
ssprouse@cfmortgagecorp.com | 804.858.8345

Charles and his team were incredibly friendly, patient, and accommodating through our first home-buying experience. Start to finish, we felt confident and well informed as we made our way through the loan process - all thanks to Charles, Susan, and the C&F gang!

by Peter B.

As a first time homebuyer I had a million questions and Charles and his team answered every one of them... multiple times… to ensure I had a solid understanding of what was expected!

by Lawana S.

Charles is really the big factor that made the experience great. He was always available, and had the time and patience to explain to us what our options were. And he didn't try to pressure us towards one option or another, which is so uncommon!

by Zachary H.

Why C&F Mortgage?

Local Industry Expert

We’ve built our reputation as a trusted lender since 1995 by supporting 100,000+ families, closing $20+ billion in loans and earning a 98% customer satisfaction rating.

Innovative Financing Solutions

We provide the best financing options to meet your specific goals. We are equipped with the right loan solutions and years of industry expertise to enable us to exceed your expectations.

Focused on You In-Person or Online

Complete your mortgage application digitally via C&F Express or contact us directly — we are here to provide you with our undivided attention.

First-Time Buyer Specialist

Nearly half of our borrowers are buying for the first time. We are committed to helping everyone navigate the homebuying journey.

C&F University

C&F Mortgage is focused on helping all homebuyers navigate the home financing journey with ease. We’ve built robust tools and resources to allow you to expand your mortgage knowledge and build home-buying confidence.

Start your education journey

Home Financing Process

Who's Involved

After the Loan Closes

Credit Education

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Required Documentation

Mortgage Calculators

Products and Programs

Affordable Housing Opportunities

Mortgage Interest Rates

Helpful Articles

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