Kristina Kovtunova
Kristina Kovtunova

Loan Officer, NMLS# 2063212

Address: 1400 Alverser Drive, Midlothian, Virginia 23113
O: 804.419.0040 M: 804.968.8342 F: 804.655.6861

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.

Kristina is AMAZING and she made our first home buying experience so pleasant!! Kristina is very easy to talk to and she explained all our options with down payment percentages and monthly mortgage expenses in full detail without making it overwhelming. She was easy to get in contact with if we had any questions or concerns. Great energy and positive outlook mixed with her financial knowledge made us feel beyond comfortable and confident with our choice in Kristina. Thank you so much Kristina!!

by Alisha S.

Kristina was extremely responsive, even on the weekends. She was very polite and knowledgeable throughout the whole process. The closing was done in less than a month and Kristina did everything she could to make it work on time. She made the process so easy and pleasant. I am very thankful we chose C&F.

by Terrence E.

Kristina exceeded all expectations I had for going through the loan process. She was professional, communicative and knowledgeable about every aspect of the loan process. In the rare occasions Kristina didn't have the answer to a question she knew exactly who to ask and had the answer back to me in no time at all. I couldn't be more thrilled about my partnership with C&F and that is due entirely to having worked with Kristina.

by Kristin Marie 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.

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