Karen Pfeil
Karen Pfeil

Branch Manager, NMLS# 218587

Address: 27 S. Main Street, Keyser, West Virginia 26726
O: 304.788.1188 M: 240.447.3180 F: 804.419.8479
E: kpfeil@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.

Karen Pfiel | Branch Manager NMLS #218587
kpfeil@cfmortgagecorp.com | 304.788.1188

Jessica Kitzmiller | Loan Officer NMLS # 2420948
jkitzmiller@cfmortgagecorp.com | 681.209.3339

Customer Reviews

  • It was so fast and easy, and everything was explained, and all my questions were answered.
    5.00
    Kymberly A.
    October 30, 2024
  • C&F was incredibly helpful on my house buying journey. Straight forward and attentive actions were displayed the entire time and I greatly appreciate that
    5.00
    Jared G.
    October 06, 2024
  • Karen and Jessica both have been amazing to work with. Thank you for making our dreams come true!
    5.00
    Levi S.
    September 14, 2024
  • Extremely friendly and a very smooth process 5 star service !!!!
    5.00
    Michael L.
    September 13, 2024
  • Everything was perfect, fast and this is the best mortgage company around!
    5.00
    Jessica B.
    September 09, 2024
  • Karen and her team are excellent to work with
    5.00
    Gregory F.
    September 08, 2024
  • Very professional and organized
    5.00
    Michael S.
    September 07, 2024
  • Karen was super helpful. Very easy process.
    5.00
    Tammy P.
    September 03, 2024
  • C & F was very professional and worked fast!
    5.00
    Tori G.
    August 30, 2024
  • Anytime I had questions even Saturday late 2000hrs I received quick answers! Outstanding loan officer!
    5.00
    Jeffery F.
    August 19, 2024
  • Went smoothly. Kept me up to date every step of the way. Great communication.
    5.00
    Kathryn K.
    August 01, 2024
  • It was good and frustrating at times to gather up paperwork but it was WORTH IT!
    5.00
    Katina C.
    August 01, 2024
  • An amazing and dedicated team! They supported and guided us through the entire experience with 100% professionalism and a personal touch!
    5.00
    Johnathan T.
    July 02, 2024
  • Smooth
    5.00
    Scott R.
    June 20, 2024
  • Awesome service from everyone at C&F
    5.00
    Michelle H.
    May 06, 2024
  • Everyone was very helpful answered questions gave us help needed to refinance house what a great staff thanks sue cox Jessica kitmiller and Karen
    5.00
    Brinda J.
    April 17, 2024
  • It was amazing and easy!!
    5.00
    Miranda B.
    April 04, 2024
  • Fast closing! Excellent service..
    5.00
    Adam L.
    March 19, 2024
  • The whole process almost felt "too easy". The whole team were so very helpful, they made the application process and closing happen quickly.
    5.00
    Lisa R.
    January 23, 2024
  • Great people to work with 1st class would recommend to anyone buying a house.
    5.00
    Todd C.
    January 06, 2024
  • It was a quick process
    4.00
    Ericka P.
    January 06, 2024
  • It was a good experience
    5.00
    Scott R.
    December 05, 2023
  • It went smooth an easy
    5.00
    Justin L.
    November 21, 2023
  • Everything was great
    5.00
    Mark R.
    October 27, 2023
  • kind of quick approval within 2 months. Worked with veteran united for 6 month but was getting the runaround. Karen, Denise and Sue was easy to work with.
    5.00
    Kenneth H.
    October 17, 2023
  • Great
    5.00
    Nathan K.
    October 11, 2023
  • Everything about the purchase of my new home was wonderful! Karen and her team were knowledgeable and on the ball to make the closing run smoothly and earlier than originally anticipated. Exceptional experience!!
    5.00
    Velma W.
    September 20, 2023
  • Very awesome!
    5.00
    Nancy G.
    September 01, 2023
  • Very easy to work through everything. Everyone was very helpful and quick to answer questions
    5.00
    Virgil R.
    August 31, 2023
  • .
    5.00
    Hannah W.
    August 31, 2023
  • Everyone was professional and helpful throughout the process.
    5.00
    Megan M.
    August 28, 2023
  • Everyone was very friendly and helpful
    5.00
    Florence C.
    August 10, 2023
  • Painless
    5.00
    Dustin K.
    August 02, 2023
  • For the most part smooth process
    5.00
    Kenneth M.
    June 22, 2023
  • The only thing that I found unpleasant was the shear number of documents I had to provide. And there were a few times when I had already sent the document that I was asked to send on another occasion.
    5.00
    Dana S.
    June 07, 2023
  • Everyone was excellent to work with! Very fast in responses and friendly.
    5.00
    Timothy B.
    June 07, 2023
  • Succeeding after failing. We were given guidelines to meet and Karen helped us have ratios within the accepted level.
    5.00
    James Gale L.
    May 17, 2023
  • Everyone was very patient with me.
    4.83
    Frances Marlene C.
    April 20, 2023
  • I primarily worked with Karen and Sue. Always received responses timely, often almost immediately. Their Availability was unmatched. Always friendly, kind, and patient! Karen reached out often and madeRead more
    5.00
    Victoria S.
    April 18, 2023
  • From the first day of getting information onto your website. Until the final days of our last attempt to purchase our home!
    5.00
    Joyce G.
    March 31, 2023
  • I don’t think I have ever worked with a company that was as fluent and helpful as this one. From the beginning to the end, they were available for theRead more
    5.00
    Michael N.
    March 28, 2023
  • This is the second home we have purchased with Karen. She is the best in the business!
    5.00
    Whitney L.
    March 14, 2023
  • Karen and her staff are first rate!!! Always there to help and answer any questions, made this such a simple and easy process. Would tell everyone about her and her team.
    5.00
    Walter D.
    March 03, 2023
  • Quick and easy process. Staff was informative. As smooth a transaction as I could ever imagine. Thank you!
    5.00
    Jeremy Allen W.
    February 28, 2023
  • everyone was super helpful this was my first time buying a home and they made it so easy as least stressful as possible.
    4.66
    Jessica H.
    February 26, 2023
  • We worked mostly with Jessica Kitzmiller and she was fantastic! She was easy to reach, communicated often and answered all of our questions. She made the process easy and asRead more
    4.66
    Caroline H.
    February 03, 2023
  • Communication was easy and quick. The whole process was pretty seamless and went quickly. I am extremely happy with the experience I had.
    5.00
    Noah Silas H.
    January 31, 2023
  • Karen was really helpful in quickly getting my loan through with a rate and payment that worked for me. Thanks!
    5.00
    Joshua Allan N.
    January 29, 2023
  • Karen made our first time home buying experience smooth and understandable. Any questions I had, any time of day or night Karen answered them! Definitely going to recommend Karen to anyone buying a house!
    5.00
    Taylor F.
    January 09, 2023
  • When other failed this Branch stepped up and got things done! Very Fast and Proficient.
    4.50
    Kevin Jerome W.
    January 08, 2023
  • Everything! She made the experience easy and less stressful! We closed earlier than expected and her and her team were amazing throughout it all.
    5.00
    Amanda M.
    January 05, 2023
  • Karen was quick to respond and made our first home buying experience a great one!
    5.00
    Blake M.
    December 16, 2022
  • Karen and her associates make sure you know what is going on in all steps of the process. The online features of the application were flawless.
    5.00
    William Kenneth A.
    November 29, 2022
  • Really enjoyed working with Karen and her team! They were always very responsive and made the entire loan process simple. Karen also helped with questions not involving the mortgage process, such as homeowners insurance and even purchasing furniture! Highly recommend!
    5.00
    Lynmarie L.
    November 17, 2022
  • Everyone working together
    5.00
    Cheryl Ann K.
    October 27, 2022
  • Denise Thompson is the Bees Knees! You all are amazing!
    5.00
    Zachary Johnson V.
    October 26, 2022
  • Loved the home buying experience and professional service
    5.00
    Dale R. L.
    October 18, 2022
  • Karen is extremely knowledgeable and professional.
    5.00
    Daniel J. N.
    September 17, 2022
  • C&F made this process super simple and stress free!
    5.00
    Haley G.
    September 03, 2022
  • All the gals at CF were terrific! I had some unforeseen hurdles and they never gave up. Thanks to them I now own my family home and am truly grateful.Read more
    5.00
    Kathy Jean L.
    July 31, 2022
  • My experience was very pleasant and fast...over all experience was great, a little confusing before closing...but we survived...and have a new home!
    4.50
    Gaye Lynn S.
    July 17, 2022
  • Karen was very nice. They had my loan finished and had me close before my closing date.
    5.00
    Danforth B. L.
    July 15, 2022
  • I never had to wait or wonder if you or any of your staff had received a communication from me. It was never long before I received an answer orRead more
    5.00
    Paul Scott K.
    July 02, 2022
  • Quick easy service
    5.00
    Kimberly A.
    June 15, 2022
  • They made it a quick and easy process and closed earlier than expected
    5.00
    Hunter A.
    March 19, 2022
  • She is great.
    5.00
    Felomina Sabug B.
    March 15, 2022
  • Super easy to communicate with! Very nice people!
    5.00
    Cory W.
    February 26, 2022
  • Was helpful throughout the whole process and great during closing day.
    5.00
    Andrew T.
    February 20, 2022
  • Thank you for all your advice, and patience your expertise and knowledge helped make everything great
    5.00
    Stephen Wilbur S.
    February 14, 2022
  • Fast and easy process
    5.00
    Jason H.
    January 24, 2022
  • Karen was super responsive and helped us through the entire process. She answered any and all questions quickly and easily and is super knowledgable.
    5.00
    Jeanna H.
    January 21, 2022
  • Organized and Efficient. Clear in all communications. Accurately set expectations.
    5.00
    Todd C. B.
    January 10, 2022
  • Very smooth process
    5.00
    Judy A. B.
    January 10, 2022
  • Karen is diligent, communicates well, and I felt supported by her determination in making my first home purchase. She gets the job done and cares about her clients. My experience was GREAT!
    5.00
    Terena K.
    January 10, 2022
  • Karen is amazing! She just makes things happen!
    5.00
    Steven Wayne M.
    December 31, 2021
  • When I had any question I felt comfortable calling Karen and she was always ready and able to answer my quesrtions.
    4.66
    Janet Suzanne S.
    December 29, 2021
  • This is now the 3rd time we have worked with Karen and the staff in Keyser. Every single instance we have had a great experience, felt ever part of theRead more
    5.00
    James Frederick G.
    December 10, 2021
  • Great communication and great staff to work with. Fast and effective. I highly recommend Karen and her group at C&F.
    5.00
    Dean D.
    December 03, 2021
  • Timely communication, very knowledgeable
    5.00
    Susan Elizabeth S.
    November 25, 2021
  • Moved along rapidly and I was kept up with the progress
    4.66
    Doris F. C.
    November 23, 2021
  • Very knowledgeable and extremely helpful.
    5.00
    Jessica Lynn L.
    November 11, 2021
  • They kept me updated on every step. And the buying process was easy and very quickly.
    5.00
    Jamie L. B.
    November 04, 2021
  • availability and follow through on responses to questions
    5.00
    Robin L. W.
    October 28, 2021
  • The service
    5.00
    Delmas R. B.
    October 24, 2021
  • Karen was always available for questions even on days off and vacations. She gave us helpful advice that potentially saved us lots of money.
    5.00
    Corey Aaron H.
    October 19, 2021
  • Karen and her team did an awesome job helping us purchase our first home. She amd her team was willing to work through some issues that popped up on theRead more
    5.00
    Jessica W.
    October 14, 2021
  • Answered any questions I ever had. Very helpful
    5.00
    Emily Paige G.
    October 13, 2021
  • Karen was very helpful and
    5.00
    Terena Carol R.
    October 10, 2021
  • The thing that stood out the most was how easy C&F made it to upload and complete the necessary documentation. 10/10 experience.
    5.00
    Aaron William M.
    October 08, 2021
  • The communication and updates
    4.67
    Margaret Ellen B.
    October 01, 2021
  • Thank you to Karen I was able to get a good loan program, her knowledge and her professionalism made us to possible to buy a home!!!
    5.00
    Elyzabeth J. V.
    October 01, 2021
  • They keep me up to date and I felt like I was in with the whole process of buying my house.
    5.00
    Maiah Jade H.
    September 27, 2021
  • She treated us like we were family ensuring we got the best rate possible.
    5.00
    Jada Lee W.
    September 16, 2021
  • She was always available to respond all of our questions and colombia nacernos.
    5.00
    Ana Milena L.
    September 10, 2021
  • Expert in the home buying, selling, renting field. Extreme expertise! Plus an awesome person who manages many people going through the home buying process all at once!
    5.00
    Hunter M. N.
    September 01, 2021
  • Very easy process for someone that had no clue what they were doing!
    5.00
    Amanda Rose F.
    August 31, 2021
  • Karen was always available and able to answer any questions I had. She was very helpful in the entire home buying process.
    5.00
    Dalton Steven B.
    August 25, 2021
  • Karen is Very Professional. Karen and her staff provided us with excellent service. They were very knowledgeable and helped us with every step of the process. They made the processRead more
    5.00
    Clinton Jeffrey F.
    August 25, 2021
  • Karen was always there too answer any questions and made this process quicker and easier than I thought it would be. I would recommend 100 out of 100 times. Thank you so much.
    5.00
    Dalton Steven B.
    August 18, 2021
  • Made it easy
    5.00
    Dalton Mathew D.
    August 10, 2021
  • The staff were all very kind. Anytime you needed help or had a question they were there to answer. Very quick with responses back. Loved working with thus company and would recommend to anyone!
    5.00
    Amber Marie B.
    August 07, 2021
  • Karen was amazing. She always knew the answers to my questions and if she didn’t she was quick to find out for me!
    5.00
    Jami Lyn H.
    August 07, 2021
  • Easy to communicate with and always worked to get the best for the customer.
    5.00
    Travis Scott L.
    August 05, 2021
  • Very responsive to my questions and always knew what to do to help me.
    5.00
    Jami Lyn H.
    August 04, 2021
  • Karen was so easy to work with. She was very knowledgeable in her field and was always available. If she didn't have the answer she found it and got backRead more
    5.00
    Michael A.
    July 03, 2021
  • I have done a finance and refinance with this company. It was very easy and fast. I highly recommend this company.
    5.00
    Troy J.
    July 02, 2021
  • Karen was always available to answer any questions we had. The process was quick & painless, Karen was amazing & I would recommend her to anyone interested in refinancing or purchasing!
    5.00
    Patricia S.
    July 01, 2021
  • Quick and easy
    5.00
    John M.
    June 25, 2021
  • This is are very first home and Karen and her whole team made this very easy! From the very first phone call to the end, they were always available! IRead more
    5.00
    William R.
    June 18, 2021
  • Karen and the Team were great to work with and made the experience so simple. Highly recommend.
    5.00
    Derek H.
    June 12, 2021
  • Karen and her staff are very Friendly, helpful and speedy.
    5.00
    Cassandra K.
    June 02, 2021
  • Karen was incredibly helpful throughout the process, was able to help me manage everything, and kept me from having to stress to much.
    5.00
    Noah P.
    May 29, 2021
  • Karen was on it from the get go! From the time we went to look at our house until the day we moved in, it was a little less thanRead more
    5.00
    Lorrie D.
    May 22, 2021
  • I really appreciated the communication and how Ms. Pfeil broke down the steps of the financing process. The portal software used to upload documents and track what needed to be done was very helpful.
    5.00
    Stephanie D.
    May 21, 2021
  • Quick and simple and staff was very helpful
    5.00
    Andrew J.
    May 21, 2021
  • Karen was always very helpful and available for any questions or concerns. Her guidance through the process was extremely appreciated.
    4.83
    Dana L.
    May 21, 2021
  • Karen Pfeil is awesome to deal with. She was on top of everything and made buying a house without having any worries! I would HIGHLY recommend her to anyone!!!
    5.00
    Lisa N.
    May 18, 2021
  • Quick to answer any questions I had and patient with me
    5.00
    Katie A.
    May 10, 2021
  • Made buying my first home a breeze.
    4.83
    Stafford J.
    May 03, 2021
  • Karen and her team made buying a house for a 21 year old not only realistic but an absolute breeze. They were nothing short of great!!
    5.00
    Sheldon B.
    May 02, 2021
  • Karen is very down to earth and genuine. She gave us options that we didn't know or consider and she was always available if we had any questions.
    5.00
    Joseph M.
    April 30, 2021
  • Quick communication and friendly service!
    5.00
    Naomi J.
    April 29, 2021
  • I’m so grateful to have worked with Karen. She was so friendly and caring.
    5.00
    Cynthia A.
    April 21, 2021
  • I’ve heard forever now that buying a house is extremely stressful. Karen made it easy! She answered all my questions and was super nice!
    5.00
    Randall S.
    April 16, 2021
  • Karen, thank you for being so helpful in our first home buying process. You were a joy to work with.
    5.00
    Megan C.
    April 15, 2021
  • I was able to email all the info instead of using the doc portal.
    4.17
    Clayton D.
    April 11, 2021
  • Karen and her team were amazing!!!! Fast and efficient with everything.
    5.00
    Heather M.
    March 31, 2021
  • Karen was extremely helpful. Took her time to explain details and offered follow-up in a timely manner.
    5.00
    Mindy S.
    March 31, 2021
  • Closing was quick and painless! Very responsive with questions and answers even after the sale!
    5.00
    Daniel H.
    March 30, 2021
  • Always great experience. This is the 3rd time I've worked with Karen for my loans!
    5.00
    Krista A.
    March 29, 2021
  • Karen and staff are a pleasure to work with and made the process extremely easy!
    5.00
    Stacy M.
    March 25, 2021
  • they made the buying process painless, there were no hidden expenses what she said i needed was was exact, her employees were awesome. They kept me informed all the wayRead more
    5.00
    Robert J.
    March 21, 2021
  • Karen made it so easy for us! We had so much fun working with her. Would recommend to anyone!
    5.00
    Kieran E.
    March 20, 2021
  • Karen and her team were amazing to work with. Excellent communication and went above and beyond to make everything happen. Highly recommended.
    5.00
    Richard E.
    March 18, 2021
  • The best thing was she was always just a phone call or text away
    5.00
    Christopher R.
    March 16, 2021
  • Whole process was so quick. Would recommend in a heartbeat
    5.00
    Donald L.
    March 16, 2021
  • Karen and her team made my loan process straight forward and easy!
    5.00
    Joel A.
    March 16, 2021
  • Karen's drive and ambition
    5.00
    Mark S.
    March 15, 2021
  • Very smooth process
    5.00
    Christian T.
    March 15, 2021
  • Replied quickly to any questions or concerns (even while on vacation!). Explained all my loan options and was quick to show me estimate changes based on my various scenarios. Very easy to work with.
    5.00
    Blair G.
    March 12, 2021
  • I really didn’t deal directly with her. My partner in the cabin did most of the work since he is a realtor.
    4.17
    Leslie E.
    March 12, 2021
  • Karen was great to work with and helped us each step of the way. She went beyond to help us with an issue that we were having with a cellRead more
    5.00
    Kelley A.
    March 11, 2021
  • Extremely responsive
    5.00
    Jeffrey J.
    March 09, 2021
  • Karen and her team were very responsive and professional throughout the mortgage process. They completed the process ahead of schedule and we settle sooner than anticipated. Great job!!
    5.00
    Monti D.
    March 09, 2021
  • Karen was very patient, and communicated very well answered questions promptly. Overall great experience working with Karen.
    5.00
    Heath T.
    March 05, 2021
  • As a Real Estate Agent, many many of my clients use Karen so when it came time for me to buy, I had no doubt who to use. THANK YOURead more
    5.00
    Diana L.
    March 03, 2021
  • All we had too do was sign paperwork
    5.00
    Dale A.
    March 01, 2021
  • I am a Realtor and I've worked with Karen for years. She is always honest, reliable and gets the job done.
    5.00
    Judy E.
    February 26, 2021
  • Was very smooth process, with no stress and worry.
    5.00
    Rebecca L.
    February 21, 2021
  • Very easy to talk to. Puts things in easy to understand terms. Quick responses to questions. Great communication.
    5.00
    Michael A.
    February 12, 2021
  • Karen is awesome! It was a fast and easy process!
    5.00
    Jacki B.
    February 10, 2021
  • The process of refinancing went smoothly.
    5.00
    Misty D.
    February 09, 2021
  • Worked quickly and answered any questions promptly.
    5.00
    Gary L.
    February 09, 2021
  • Karen is great from the moment we met her! So seamless
    5.00
    Benjamin C.
    February 07, 2021
  • Karen was incredibly responsive and the whole process only took 26 days from the first email I sent until closing. It was so smooth and easy I wouldn’t hesitate forRead more
    5.00
    Michael B.
    February 06, 2021
  • Karen was wonderful to work with. We closed on a house that was being sold by our Landlords, so we didn't have a realtor. Karen made sure we were protectedRead more
    5.00
    James E.
    February 04, 2021
  • Thank you so much you made it very easy for us to get the house
    5.00
    Dylan E.
    January 14, 2021
  • VERY FRIENDLY AND HELPFUL
    4.83
    Lisa D.
    January 12, 2021
  • Worked quickly considering the circumstances and also answered all of my question quickly and accurately.
    5.00
    Ryan A.
    January 04, 2021
  • How easy everything was.
    5.00
    Michael S.
    December 30, 2020
  • During a busy time of the year, Karen and her team worked around the clock to make sure my closing wasn't delayed. It would have been easy to push closingRead more
    5.00
    Paul A.
    December 30, 2020
  • It was a great overall experience!!! Thanks!
    5.00
    Thomas W.
    December 30, 2020
  • Karen was always very approachable. She answered all my questions and was responsive. I knew she would get back to me in a timely manner. I cannot thank her enough for making this an easy process!
    5.00
    Kathryn A.
    December 29, 2020
  • Karen made the process simple and stress-free.
    5.00
    Arnold F.
    December 28, 2020
  • Being there to answer every question
    5.00
    Jason S.
    December 27, 2020
  • Very timely and helpful throughout the process.
    5.00
    Jason C.
    December 27, 2020
  • Was very impressed how quickly things got done. I've heard horror stories about trying to buy a house. It was a very pleasant process. Thanks again.
    4.83
    Carolyn A.
    December 22, 2020
  • Everything was done at a quick and timely fashion. Would definitely do that again.
    5.00
    Matthew D.
    December 21, 2020
  • You all were so good to work with. Anytime I called everyone was always polite and very helpful. My agent and the lawyers office both said that you all wereRead more
    5.00
    Thomas A.
    December 19, 2020
  • Karen was great to work with and made the purchasing process as easy as can be!
    5.00
    Matthew J.
    December 18, 2020
  • She was always there to answer any questions I had along the way. Great people and great communication
    5.00
    LeAunna R.
    December 18, 2020
  • Great communication, easy application process, Karen is very helpful along with her entire staff.
    5.00
    Crystal J.
    December 15, 2020
  • I have been very impressed by this mortgage company. Every issue, every roadblock I anticipated was overcome with strategic problem-solving, patience, and understanding. I firmly believe that I would notRead more
    5.00
    Jessica L.
    December 10, 2020
  • Everything was very simple and easy
    5.00
    Jon P.
    December 09, 2020
  • We appreciated that we were kept up to date with everything going on with the loan! The individuals we worked with were quick to respond to emails and made gettingRead more
    5.00
    Emily E.
    December 09, 2020
  • Karen is great to work with. She provides all the necessary information to make the transaction as easy as can be. She goes above and beyond for her clients.
    5.00
    Lorri C.
    December 08, 2020
  • Wonderful experience!
    5.00
    Natalie R.
    December 07, 2020
  • Very understanding, involved, and caring throughout the whole process. Made it much easier for me to understand the nuances of the loan process as a first time home buyer.
    5.00
    Jennifer A.
    December 04, 2020
  • The staff is friendly and informative. Professional atmosphere, yet relaxed. Knowledgeable to answer all of our questions to guide us through our loan process. Would definitely recommend to others.
    5.00
    Kelly A.
    December 03, 2020
  • Answered all my questions and responded quickly! Was a smooth process and very happy with how I was treated! Love my new home!!!
    5.00
    Amanda F.
    December 03, 2020
  • The staff and communication was great. They were very flexible to work with.
    5.00
    Robert J.
    November 17, 2020
  • Karen and her team provided exceptional customer service and closed my loan very quickly with no problems. This process could not have gone any smoother. This is one hard working team!!
    5.00
    Amanda L.
    November 15, 2020
  • This was my husband’s and I first time purchasing a home. We didn’t really know what to expect. Karen’s office would send us papers to digitally sign and return. TheRead more
    4.67
    Candice M.
    November 09, 2020
  • Thank you
    4.83
    Justin D.
    October 30, 2020
  • Karen provided a great experience while I purchased my home!
    5.00
    William D.
    October 28, 2020
  • Karen is great and easy to work with. Made what could be a tedious process, very comfortable and almost effortless.
    5.00
    Selena K.
    October 28, 2020
  • Everything went so smooth and the employees really did a great job of making us feel like we’ve know them forever. It just felt like friends taking care of friends! Loved everything about the experience!
    5.00
    Derek M.
    October 26, 2020
  • Karen made this process fast, easy, and simple !! She is amazing.
    5.00
    Sarah C.
    October 22, 2020
  • Karen was very responsive and extremely helpful
    5.00
    Rodney D.
    October 22, 2020
  • Always willing to help and quick at answering any questions I had!
    5.00
    Brittany N.
    October 14, 2020
  • Overall a great experience. Any questions we had they responded immediately. Would definitely recommend!
    5.00
    Robert A.
    October 08, 2020
  • Very quick responses to our questions. No hiccups in the loan process!
    4.83
    Derek L.
    October 06, 2020
  • Karen was the best loan officer I could have asked for. I was a first time homebuyer so I had a lot of questions about the whole mortgage process, andRead more
    5.00
    Nicole C.
    October 05, 2020
  • Karen walked us through each step of the process and Sue was wonderful to work with as well. Highly recommend and the customer service was superb!
    5.00
    Charlotte W.
    October 04, 2020
  • Went above to get my load through.
    5.00
    Colin R.
    October 03, 2020
  • Very knowledgeable and easy going people to get along with!
    4.83
    Tristan S.
    October 01, 2020
  • After having such an awful time with my last lender karen was like a breath of fresh air. I appreciate everything you did for me.
    5.00
    Sara G.
    September 25, 2020
  • Karen was very informative and prompt with replies.
    5.00
    Ashley E.
    September 21, 2020
  • Karen was very informative throughout everything. Her and her staff made the whole process seamless.
    5.00
    Stephanie F.
    September 17, 2020
  • Very organized and fast process. This was our first home purchase and everything went super smooth. I was able to communicate anytime with any of the girls in the officeRead more
    5.00
    Christopher A.
    September 15, 2020
  • I’ve bought 2 houses using Karen and also sold my house and the couple used Karen as well. Karen stays on it from start to finish, as soon as youRead more
    5.00
    Christina F.
    September 15, 2020
  • All of my communications with C&F was by email and phone. I didn't miss work! I was off 1 day to sign at closing. They made the impossible happen withRead more
    5.00
    Patricia W.
    September 14, 2020
  • By far the best customer service I’ve ever had! Helped us get an amazing interest rate, and kept us updated during the whole process! I would recommend Karen and herRead more
    5.00
    Brian K.
    September 14, 2020
  • Karen answered all my questions honestly. Karen always responded with in 24 hours if not sooner. Karen was very professional and easy to communicate with. Couldn’t be happier and hopeRead more
    5.00
    Roland L.
    September 13, 2020
  • She was very helpful and understanding with our availability and with COVID to complete the paperwork .
    5.00
    April M.
    September 08, 2020

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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