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

  • All good 🙂
    Andrea Carolina P.
  • 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
    Timothy Michael D.
  • Jay is the man. He has a lot of knowledge in his field backed up by incredible people skills.
    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!
    Elia H.
  • 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
    Daniel J.
  • 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
    Colin W P.
  • Jay was very efficient and made the mortgage process easy.
    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
    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.
    James Robert P.
  • Communication
    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
    Lauren Myers S.
  • Jay is very responsive. He is clear and concise. He answered all my questions!
    Erin G.
  • 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.
    Matthew Ford S.
  • Exceptional in every sense of the word. Went above and beyond to make my dream happen.
    Holly Christian B.
  • 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.
    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.
    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
    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
    Rosamarie C.
  • The process was really smooth and easy.
    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.
    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!
    James P.
  • Great experience all around! Jay was knowledgeable, responsive and helped get a competitive rate.
    David C.
  • Jay and his team were outstanding. They we very supportive and thorough with our needs. They helped us every step of the way and made it an easy experience.
    Tristan W.
  • Jay Rose was absolutely phenomenal. His knowledge, his patience (we are elderly and somewhat technology challenged) and his ability to be flexible saved the day for us. We would recommend him in a heartbeat. Wonderful experience.
    Richard A.
  • Jays the man
    Hunter C.
  • Jay was great to work with beginning to end, made the process very easy!!!
    Justin W.
  • 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
    April D.
  • 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.
    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.
    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!
    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!!
    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
    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.
    Paul I.
  • 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!!
    Kai Oliver D.
  • Jay did a phenomenal job and provided great communication! I would highly recommend.
    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
    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
    Todd F.
  • Communication!
    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
    Aleisha G.
  • Jay was always available with answers to any questions and he helped me to find a grant which made things even easier!
    Brian Keith P.
  • The Quick turnaround time
    Michael J. Z.
  • Great advice and helpfulness throughout my refinancing!
    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
    Benjamin M.
  • Jay worked around the clock for us, for over a 8mo to make our dream home happen!!
    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!
    Kelly L.
  • Jay answered all my questions promptly and completed his tasks in a timely manner.
    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
    Matt H.
  • Jay has always been very helpful and responsive. I have refinanced multiple times and it has always been a great experience.
    Krista N.
  • Easy going and good communicator.
    Edmund A.
  • Great advise and service from Jay. Helped make the process seem less daunting for a first time home buyer.
    Joshua M.
  • Clear communication through process and Jay offered great advice. Overall very efficient re finance and closing.
    Raymond T.
  • The ease of the process.
    RaShawn E.
  • Jay was always in-touch and able to answer all my questions.
    Mark E.
  • Jay was very transparent and helpful through every stage of the home buying process.
    David R.
  • I felt I was passed to a few too many people during the process.
    Steven M.
  • Quick responses. Answered questions clearly. Kept up with me through the process
    Mitchell Allen P.
  • Jay was very helpful and made for a smooth loan transaction.
    Jordan J.

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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