kelly fitzgerald
Kelly Fitzgerald

Sr. Loan Officer, NMLS# 759066

Address: 520 Lew Dewitt Blvd Suites 104 and 105, Waynesboro, Virginia 22980
O: 540.451.2172 M: 540.241.4226 F: 804.419.8508

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.

Kelly is the best! She went above and beyond for us from day one. It’s obvious that she truly cares about you and you’re not just a number to her. Our mortgage process was so easy as Kelly kept us updated the whole way through and answered any questions we had. I highly recommend Kelly for any of your home financing needs. Thanks Kelly for financing our dream home!

by Jordan S.

Thanks to Kelly for helping me getting through all the process. Thanks for your hard working and for not giving up on my application. You are amazing.

by Zar Z.

Kelly treated us like family. She was very helpful and communicative throughout the entire process. I felt very comfortable with her as our loan officer.

by Michael H.

Why C&F Mortgage?

Local Industry Expert

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

Innovative Financing Solutions

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

Focused on You In-Person or Online

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

First-Time Buyer Specialist

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

C&F University

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

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