Jay Rose 2023 500
Jay Rose

Loan Officer, NMLS# 1088927

Address: 4480 Cox Road Suite 101 , Glen Allen, Virginia 23060
O: 804.673.2150 ext 73570 M: 804.338.8383 F: 804.419.8494

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

  • Jay is very responsive. He is clear and concise. He answered all my questions!
    5.00
    Erin G.
  • Although a complex application due to me moving to the US from overseas, Jay provided advice and support in a very timely fashion with great patience. Many thanks!!
    5.00
    Kai Oliver D.
  • Jay went above and beyond helping us. He explained step by step through the whole process and helped us feel at ease. Jay made himself available anytime we had aRead more
    5.00
    Timothy Michael D.
  • Jay is the man. He has a lot of knowledge in his field backed up by incredible people skills.
    5.00
    Hunter Jennings C.
  • Jay is knowledgeable, efficient, responsive, and super nice! He saved us from a really unfortunate situation when we went to purchase our first home and we have come back twice for refinancing because we enjoy working with him so much!
    5.00
    Elia H.
  • Exceptional in every sense of the word. Went above and beyond to make my dream happen.
    5.00
    Holly Christian B.
  • Mr. Rose was very attentive to everything that needed to be done. Always responded kindly to all questions and concerns. Truly a pleasure to work with
    5.00
    Colin W P.
  • Jay was very efficient and made the mortgage process easy.
    5.00
    Rachel Elaine R.
  • Jay has been helping me off & on for years. Every time I reached out, he took the time to help me which is why I stayed with him. IRead more
    5.00
    Christina H.
  • Very easy to get in contact with. Always made sure I understood the process and answered any questions I had in terms that were easy to understand. Made the process as painless as possible.
    5.00
    James Robert P.
  • Communication
    5.00
    Jordan J.
  • Jay was extremely professional to work with. He always responded to me in a timely fashion and with the information I needed. He made this process much easier for meRead more
    5.00
    Lauren Myers S.
  • Jay was very helpful! Always pleasant and willing to help! Great communication through the entire process and easily accessible. Definitely made me feel at ease during the process as thisRead more
    5.00
    April D.
  • Jay Rose is professional, personal, and well versed in the industry. Jay and his team made the (first) home buying process seamless and stress free.
    5.00
    Matthew Ford S.
  • All good 🙂
    5.00
    Andrea Carolina P.
  • Jay was extremely responsive to my numerous questions, and seemed like a very trustworthy source of information. Despite closing right after the holidays, everything moved quickly and Jay was there for me at every step.
    5.00
    Catherine Hennessy F.
  • Always quick to answer my questions, always keeping me up to date on next steps. Cannot express my gratitude and appreciation enough.
    5.00
    Daniel J F.
  • Jay was very knowledgeable and always willing to explain the process to provide clarity. He was incredibly patient and always available, including after hours! I especially appreciated his willingness toRead more
    5.00
    Patsy P H.
  • Jay Rose was so kind, informative and reassuring. He has so much experience considering how young he is it's impressive. He helped us as first time home buyers, a foreignRead more
    5.00
    Rosamarie C.
  • The process was really smooth and easy.
    5.00
    Luis C.
  • Jay and his team were excellent to work with throughout our loan process. Clear communication, readily available if we had questions, and the online portal was easy to navigate when providing or signing documents.
    5.00
    Edmund R.
  • Our third time working with Jay and C&F Mortgage. Wonderful experience each time. Kept us informed the whole way, fast and efficient with fantastic customer service!
    5.00
    James P.
  • Great experience all around! Jay was knowledgeable, responsive and helped get a competitive rate.
    5.00
    David C.
  • Jay was always available with answers to any questions and he helped me to find a grant which made things even easier!
    5.00
    Brian Keith P.
  • Constantly kept me informed. Was willing to answer any questions I had and helped assure me of what was to come at each stage in the process. Jay is knowledgeableRead more
    5.00
    Daniel J.
  • Jay is very personable and very professional. He worked hard to keep the process moving in a quick and effificient manner, all the while answering our questions and making us feel comfortable in our decisions.
    5.00
    John D.
  • Jay Rose is wonderful to work with. He guides you throughout the entire process answering any questions you may have, no matter what the question may be (I asked a lot of questions). Highly recommend working with Jay.
    5.00
    Pamela A.
  • Jay Rose is the best mortgage loan officer out there!! He made the refinance process easy and hassle free! I highly recommend him and his abilities to get the job done without any hesitation! Thanks again for everything!
    5.00
    Neal D.
  • Jay was very personable and professional. He answered all of my questions right away and explained all options. I have already referred several people to Jay. One person is closing this week. Thank you for making the process very easy!!
    5.00
    Tamera A.
  • As a first time home buyer, Jay was able to help take a level of stress off my shoulders when it came to finding a mortgage. The other lenders IRead more
    5.00
    Johnathan J.
  • Jay was very helpful and a joy to work with. He explained everything very thoroughly and was always available to answer all of my questions. He really made this process very easy for this first time home buyer.
    5.00
    Paul I.
  • Jay was great to work with beginning to end, made the process very easy!!!
    5.00
    Justin W.
  • Jay did a phenomenal job and provided great communication! I would highly recommend.
    5.00
    Cory J.
  • My previous mortgage company was very slow with responses and I felt the communication was mediocre at best. I reached out to Jay to help me refinance my mortgage. FromRead more
    5.00
    Michael D.
  • It was a pleasure working with Jay. My wife and I are extremely impressed by his honesty and work ethic. He is a professional problem solver and out of theRead more
    5.00
    Todd F.
  • Communication!
    5.00
    Judith E.
  • Jay is absolutely amazing! He went above and beyond to ensure we were informed throughout the whole process and answered every question we had in a timely manner. He wentRead more
    5.00
    Aleisha G.
  • The Quick turnaround time
    5.00
    Michael J. Z.
  • Great advice and helpfulness throughout my refinancing!
    5.00
    Clay Emmanuel I.
  • Jay was very helpful In every aspect of the process answer all my questions to help me understand since I am a first time homebuyer
    5.00
    Benjamin M.
  • Jay worked around the clock for us, for over a 8mo to make our dream home happen!!
    5.00
    Jamerson T.
  • Jay worked around the clock to get us approved to be first time homebuyers. We truly appreciate all of his hard work, and his dedication gave us an edge in this rough market!
    5.00
    Kelly L.
  • Jay answered all my questions promptly and completed his tasks in a timely manner.
    5.00
    Jacob C.
  • Mr. Rose was a consummate professional! He answered any and all questions that my wife and I had and made the process seamless! My purchase was such a pleasant experienceRead more
    5.00
    Matt H.
  • Jay has always been very helpful and responsive. I have refinanced multiple times and it has always been a great experience.
    5.00
    Krista N.
  • Easy going and good communicator.
    5.00
    Edmund A.
  • Great advise and service from Jay. Helped make the process seem less daunting for a first time home buyer.
    4.83
    Joshua M.
  • Clear communication through process and Jay offered great advice. Overall very efficient re finance and closing.
    4.83
    Raymond T.
  • The ease of the process.
    4.83
    RaShawn E.
  • Jay was always in-touch and able to answer all my questions.
    4.83
    Mark E.
  • Jay was very transparent and helpful through every stage of the home buying process.
    4.83
    David R.
  • I felt I was passed to a few too many people during the process.
    4.50
    Steven M.
  • Quick responses. Answered questions clearly. Kept up with me through the process
    4.33
    Mitchell Allen P.

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.

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.

VerifyBankStatements1

Select the financial institution that you work with from the thumbnail provided below, or by using the search bar to type in the name of your financial institution.

VerifyBankStatements2

Once the institution has been selected, you will be asked to provide your online login credentials to access your online banking account. Use the same username and password that you normally use to login into your mobile banking account, then click on the “Submit” button to continue.

VerifyBankStatements3

Our integration will then use your login information to locate your financial account details and then display a list of results confirming the account number and account balance. Check the box next to the account you wish to provide, then select the “Share Account” button to include this information in the loan application. If you have multiple accounts to provide, simply select the “+ Add Another Account” link below the results to start this process again until all assets are listed.

VerifyBankStatements4

Once all information is entered and the loan application completed, all of this information will be securely sent to your loan officer’s loan processing system where they will be able to continue the process of getting your loan created and arrange for next steps towards completing the process.

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.

IncomeDocs1

By selecting “Automatic Check” a screen will then load informing you that we will be connecting using our income provider to import that information. Click on ‘Get Started’ to begin the process.

IncomeDocs2

A window will then display where “Employment Records” can be selected as the information needed. Once that is checked, select the “Submit” button to continue.

IncomeDocs3

In order to locate the employment records, you will need to enter the last 4 of your Social Security Number, before clicking on the “Next” button to continue.

IncomeDocs4

After a moment of searching, there will be confirmation of the employment records being found. To review the information that you want to be associated with the loan application, you can choose what type of employment record you would like, then select the “Next” button to proceed.

Note: This first record selected should be the information of your current primary employer. There will be future steps allowing to include other employers/income streams.

IncomeDocs5

Once the initial employer information has been selected, the option to add additional information of employment, be it self-employed or otherwise, will be allowed. Checking those options will repeat the initial process. After all information has been added, the “No I’m done” option should be selected.

IncomeDocs6

The final screen you come to will confirm that you have selected to share all the “Employment records” you chose for the application. Clicking on the “Submit” button will generate the employment report and allow you to continue filling out the remaining sections of the loan application as normal.

If your employer does not show up in the search and you receive the message below and be redirected to manually enter your income and employment information.

IncomeDocs7

Screen to manually enter Employment and income if it does not automatically populate.

IncomeDocs8

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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