Lynn Kinsel

Loan Officer, NMLS# 259819

Address: 4480 Cox Road Suite 101, Glen Allen, Virginia 23060
O: 804.673.2150 ext 73545 M: 804.677.8588 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

  • When we reached out to her, Lynn suggested an approach that we didn't even know was an option. We were so excited when we realized how much our monthly budgetRead more
    Nisha P.
  • Lynn was great to work with, she was very helpful during the entire process. She kept in touch with me and kept me informed of what was going on andRead more
    Kenneth Edward B.
  • Excellent communication and timely updates and assistance.
    Kevin R. H.
  • Lynn made the home buying experience super easy. She was so helpful and informative during the process. I am forever grateful!
    Robin G C.
  • Lynn is the best! She presents with the knowledge, skills, and abilities necessary for the home purchase process. Lynn was responsive at all times. I commend how prompt she wasRead more
    Tangee Gina A.
  • The process from the beginning to the end was smooth. And the communication line was always open with Lynn.
    Dionna C.
  • Lynn was available at all times for any questions! Our loan process could not have gone any smoother and we sincerely appreciated it. Lynn's experience and professionalism were exceptional!
    Theresa S M.
  • Lynn practices outstanding communication and interpersonal skills. Very professional and knowledgeable. Overall a very pleasant well informed experience dealing with Lynn.
    Adam Lorenzo G.
  • Lynn is lovely.
    Andrew W J.
  • The automation process was easy to use. Lynn was very approachable and answered all of my concerns.
    Shirley M. G.
  • Lynn goes above and beyond for her clients and handled our journey with such care! We are forever grateful all of her efforts to helping us through purchasing our firstRead more
    Thomas Elon M.
  • Lynn, she was everything that a person needs when they’re trying to buy or refinance a house. And that’s why I had a great experience with Lynn.
    Richard Franklin Cla O.
  • Lynn Kinsey, really worked with me. I had got to a point where I was giving up but she seemed to manage to get me back on track and finishRead more
    Tamara L. T.
  • Great communication! Easy to reach. Fast response. A real professional.
    Thomas J.
  • Lynn is always great! She is great at what she does and there’s no one else like her in our book!
    Rosa C.
  • She was very patient and helpful
    Thomas G K.
  • Lynn kept the lines of communication open at all times of the day. She thoroughly answered ll my questions, talked me through documents and gave me great advice. Lynn didRead more
    Jaron Michael C.
  • Treated me like family.
    Thomas J B.
  • Process was very streamlined
    Ellen Ann M.
  • Lynn, was informative, thorough, and responsive throughout my homebuying process. I especially appreciate straight forward answers to all my questions and how pleasant Lynn made my process from start to finish.
    Joy L. H.
  • Lynn was the absolute best! I truly felt that she did everything she could to make sure my experience was amazing. I always felt that she had my best interestRead more
    Paul M.
  • Could not have been happier with my team
    Erin W.
  • Lynn was amazing. She was so informative and patient throughout the whole process providing us with different options and continually guiding us thru the whole process. This was a 7Read more
    Carolee S.
  • Awesome
    Anthony E.
  • The whole experience was phenomenal! Lynn and her team was amazing! I will definitely refer new home owners to C&F mortgage company.
    Brianna D.
  • Although it's a stressful process, Lynn was very supportive and reassuring.
    Eric H.
  • Lynn went above and beyond to help us close on our home! This is our third time working with her, and would highly recommend. Amy was organized and ensured all of us stayed on track!
    Kyle N.
  • It was a great experience
    Roy H.
  • Lynn made the process so smooth and easy. Very supportive. Would recommend to anyone!
    Ariel Madison P.
  • Lynn Kinsel did a great job, by keeping me informed and updating me every detail, letting me know when I had to Esign some documents, I had a great experience with her.
    Cristian Fernando M.
  • Lynn was amazing! She was available for us on our home loan and got us the best possible rate! She was patient and took the time to explain everything clearlyRead more
    Rachel Elizabeth N.
  • Lynn is fantastic and I would highly recommend for all your home loan service needs.
    Andres G.
  • Lynn was so helpful and patient with us through the whole process. This is our second time working with her and if we ever end up buying again, we'd gladly work with her again!
    Alexandria H.
  • Lynn is always available and helpful
    Gregg H.
  • Lynn kept us informed during the whole process. She quickly answered any and all questions.
    Albert H.
  • Lynn was very personable and with us every step of the way. Made the experience very kind and straightforward.
    Donovan G.
  • She did great job
    Clarence T. B.
  • My first home refi and had no issues along the way and any question I had was answered in a very timely and professional way. Lynn was very polite and I loved working with her.
    Henry T.
  • Very friendly and helpful and the Communication was was top notch. Would definitely recommend Lynn to anyone looking to refinance.
    Jonathan E.
  • Lynn was my saving grace. Her due diligence, her honesty, and her great spirit kept me from not giving up on my dream of purchasing a home. I am glad she was on my team.
    Tanasha K.
  • Lynn is very professional, courteous and friendly. She took time to explain things to me to help me understand how the process works. In addition, she provided excellent follow upRead more
    Valerie J.
  • She is wonderful. She is so sweet and always on top of her work. She explains everything simply and in a nice way. I really loved this experience with Lynn. I really appreciate her hard work.
    Sam J.
  • I was a first time home buyer and Lynn was always glad to explain and re-explain each and every step of the process. She was very realistic with me aboutRead more
    Raissa D.
  • Lynn knows her business. She was quick and efficient and I always had confidence in what she said
    Mary Garner D.
  • Always answered my questions quickly and was just insanely helpfull. This was my first home and I couldn't have asked for a smoother process!
    Benjamen E.
  • Lynn was incredibly responsive and explained complex math in a way my peabrain could understand. She walked me through every step of the transaction and helped me make informed choices.Read more
    Brianna E.
  • We attempted to buy a home awhile back and we felt alone and we had no idea what was going on most of the time. There was such aRead more
    Elijah E.
  • Lynn was a delight to have guide us through our refinance. She made things very easy and stress free for us. I would recommend her to anyone!!
    Jason T.
  • Lynn needs to handle everyone’s loan, she is amazing, walked us through the whole process buying our first home, and gave us all the information we needed.
    John A.
  • Lynn was very prompt and responsive to me no matter what time I called or how annoying I may have been at times. She did her best in finding allRead more
    Marcus J.
  • In working with a first time home buyer Lynn was wonderful. Lynn was able to explain the mortgage process in an excellent & effective way. She was on top ofRead more
    Regina B.
  • Lynn was very communicative and easy to work with despite us changing the parameters of the loan mid-stream. She was able to accomplish all our objectives and we were ableRead more
    Gregory G.
  • Lynn is amazing at her job! She is knowledgeable and communicates clearly throughout the process. I highly recommend her.
    Carol A.
  • Lynn was on point, no nonsense and very reassuring. The initial contact was swift, if u delivered what Lynn needed she moved forward. She was kind and real. She was a fantastic pilot on this journey!!
    William D.
  • There's no one I would have trusted more to handle our mortgage!
    Mark C.
  • Lynn was amazing! She communicated effectively throughout the process and was a resource when we had questions! I highly recommend Lynn!
    Allison B.
  • Lynn was wonderful to work with! She kept me informed every step of the way!
    Whitney B.
  • Lynn shot straight.
    Robert Joseph C.
  • Over all the steps to help you get the right home.
    Jose De Jesus A.
  • Lynn was very prompt with her responses and staying in communication regarding required documents needed. She was very detailed in our discussions to ensure I had a clear understanding ofRead more
    Tiara Mae J.
  • Lynn is very helpful and friendly
    Judith McCauley T.
  • Lynn was always available for questions and kept us informed through the whole process. She was great!
    Jeanelle K S.
  • Lynn was simply fantastic from the first day I spoke with her. Her knowledge and understanding was top notch. She was always available for any questions I had. I feltRead more
    Robin Monique B.
  • Lynn Bossi Kinsel makes the experience of home buying refinancing pleasant comfortable and easy as possible!! Lynn will answer any questions you have at anytime!! Quick to respond!! I recommend her always!!! Thanks for easing my anxiety Lynn!!
    Lola H.
  • The dedication and willingness of Lynn Kinsell
    Audrey N.
  • Very nice person I like the way
    Basimah H.
  • Lynn went above and beyond with being there for me. And I mean she was responding to me in less than 5minutes. My family appreciates you Lynn.
    Ramsey M.
  • Lynn is the best mortgage person I have ever worked with. She is hardworking, knowledgeable, easy to reach and highly responsive. I won't work with anyone else going forward.
    John D.
  • Lyn went above and beyond to make sure everything went smoothly and made sure I understood every part of the process as we went along and made this process painRead more
    Andrew T.
  • Lynn made the re-fi process extremely easy and was very attentive to our goals. She worked tirelessly (even on weekends) to get the rate and terms that we needed. IRead more
    Kent W.
  • Working with Lynn was like working w/family. She told me like it is and not what I wanted to hear. I am so grateful for her honesty, assistance and guidance.Read more
    Kamilah R.
  • Lynn was incredible. Helpful, professional, and thorough. She made this experience much easier! Very grateful.
    Jessica H.
  • 5.00
    Joseph K.
  • Lynn is very good at communicating what is needed and helping with getting everything in order for the loan.
    Karanja A.
  • Lynn was always available to answer questions quickly
    Ryan M.
  • Kept us updated thru process
    Pamela H.
  • Prompt and attentive. Answered all questions when asked. Courteous & always polite.
    Ann Marie M.
  • Lynn had answers to all of our questions quickly, and was able to move us through the process with ease and speed.
    Michael Scott S.
  • Lynn communicated exactly what she needed (documents, etc), as well as what to expect every step of the loan process. It was very painless process: exactly what one should experience during the home buying process!
    Sandra L S.
  • the whole process was easy to follow
    Randy B H.
  • The personal customer service we received from Lynn and her staff was wonderful. I would highly recommend them to friends and family.
    Susan H.
  • Lynn was flexible, affirming, and overall a great lender to work with! She made buying our first home a breeze. Thank you Lynn!
    Samantha E.
  • You were able to work with me, even with the circumstances that came along.
    Tory Rynee' G.
  • Made it easy. Only complaint is constant repetitive documentation requirements. Very annoying.
    Jon J.
  • With Lynn help I have my home.
    Linda D.
  • Lynn returned calls and texts (even while on vacation), answering all of my numerous questions and was very nice to work with!
    Paul G.

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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