karen ramirez
Karen Ramirez

Loan Officer, NMLS# 1529247

Address: 1400 Alverser Drive, Midlothian, Virginia 23113
O: 804.858.8300 M: 804.549.3327 F: 804.419.2970

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 the finish.

Contact us today to learn more about the mortgage process and how we can work together on your journey to home financing.


Karen is a great lender, she was very helpful and caring. She always puts the client first and always will try and help out the client to the best of her abilities. 10/10 would definitely recommend her.

by Delmer

Karen is definitely the best lender. Thank you for your help!

by Daniel

Thank you, Karen, for all your help! I would really recommend.

by Vlad

Why C&F Mortgage?

Local Industry Expert

We have 25 years in the business, helped 90,000+ families and closed over $17 billion in loans. We are a trusted local lender focused on your success.

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.

Home Financing Process


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