Mary Rebholz Finch
Mary Rebholz Finch

Branch Manager, NMLS# 310462

Address: 2800 George Washington Memorial Highway, Yorktown, Virginia 23693
O: 757.952.1753 M: 757.291.3073 F: 804.419.8730

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

  • We love working with Mary, she is an amazing professional, knowledgeable, and friendly.
    5.00
    Stella K.
  • Mary was always available to answer any questions and provide expert guidance. This was the best real estate transaction I've ever experienced due to Mary's experience!
    5.00
    Donna R.
  • Mary made it easy to understand and answered any questions I had.
    5.00
    Diego Andres T.
  • The professionalism demonstrated during every phase of the loan application process was perfect. Every inquiry and question that I had were immediately processed and answered. I was made to feelRead more
    5.00
    Larry E S.
  • Mary made my process extremely easy and made me feel comfortable and every step of the process with her professionalism. I would HIGHLY recommend using C&F mortgage.
    5.00
    Kelvin A.
  • I’ve relied on Mary’s knowledge and experience for over 25 years in the purchase and refinance of every real estate loan I’ve had...and I will continue that until she retires.
    5.00
    Richard T.
  • Mary is a pleasure to work with. All of our questions were answered promptly and she offered great advice. Great experience!
    5.00
    Craig W.
  • Mary and C&F made the refinancing process extremely easy. Uploading and handling all the paperwork was straightforward with their portal and made getting through the whole process quick and efficient.Read more
    5.00
    Nicholas E.
  • She is amazing.
    5.00
    Ahmad Z.
  • Mary worked hard and answered all of our questions in a timely manner. The stress and anxiety of buying a house was definitely eased when talking to Mary!
    5.00
    Aaron M R.
  • Mary was always available to help and answer any questions and concerns. She thoroughly explained every step and was patient to listen to my questions and make sure I understoodRead more
    5.00
    Kaitlyn H.
  • Mary was very responsive and took the time to discuss documents in detail and help review options best suited for our current needs. We asked a lot of her inRead more
    5.00
    Brandon L.
  • We she is very kind, helpful and respectfull And also she oniws what is she doing
    5.00
    Shirin A.
  • Mary has been working with us for years providing us with excellent guidance in preparing to purchase another home. In 2019 we bought a new home, but unable to useRead more
    5.00
    John G.
  • Mary and her team worked very hard to close this loan. It was in a midst of my wife and I having a baby, while we were still working. WhenRead more
    5.00
    William T.
  • My experience with Mary was great. Everything went smoothly and quickly. I would definitely recommend her to my family and friends for their home financing needs.
    5.00
    Ami L.
  • Mary made this whole process as seamless as possible! I couldn’t ask for more personalized information, and very thorough education about the process. Fantastic service!
    5.00
    Stephanie R.
  • Mary was always available and made this complicated process very easy. She was always available when I had questions she is exceptional. I would recommend Mary to anyone I come across.
    5.00
    Linda I. L.
  • I enjoyed working with Mary! Mary was informative and always kept me on task! I truly enjoyed the automated systems & software available, it made the process extremely easy to manage! Thank you Mary and Team!
    5.00
    Kimberly W.
  • Mary and her team are absolutely FANTASTIC. Securing a mortgage could be a confusing and frustrating process, but Mary made it easy, holding our hands every step of the way,Read more
    5.00
    Maria T.
  • Great experience
    5.00
    Claudia A.
  • Closing went very smoothly and the whole thing was very well explained.
    5.00
    Thomas S.
  • Mary is fantastic. This was my 2nd mortgage with her.
    5.00
    Kerianne Leighe A.
  • Mrs. Finch was as professional as anyone can be. She educated me at each step of process and made sure I understood each step.
    5.00
    Vanessa J G.
  • Mary and her team were readily available or returned phone calls and emails very quickly. Mary and her team help me as a first time home buyer with explanations ofRead more
    5.00
    Robert M S.
  • Mary went above and beyond to help us buy our home. When others where quick to say no she actually looked and worked to make this happen. She made sureRead more
    5.00
    Jesse D.
  • Mary was great to work with, helped us out every step of the process.
    5.00
    Andrew P.
  • Mary always goes above and beyond to help
    5.00
    Timothy D C.
  • Mary and Andrea were absolutely wonderful to work with!
    5.00
    Claudia A.
  • Very attentive and she answered all the questions we had. I would recommend her to family and friends
    5.00
    Dustin Lee A.
  • Mary was very helpful. She always answered all my questions !
    5.00
    Andrew S K.
  • It was a great loan experience. Everyone was knowledgeable and timely with response to questions. Mary really showed me was all about my well being, she really cared about the loan helping me. Thank you
    5.00
    Marbrico O A.
  • Mary went above and beyond to help us with our loan. I would absolutely recommend her to anyone purchasing or refinancing a home!
    5.00
    Katherine E S.
  • My loan closing was not a "cookie cutter" case. Mary was very helpful and made sure to keep me up to speed through the process from beginning to end.
    5.00
    Matthew R B.
  • Mary thank you so much for all of your help and efforts in securing my loan for my new home. You were diligent & professional, as well as kind whichRead more
    5.00
    Carlos E.
  • Mary was great to work with. She gave me different options and explained them all very well. She helped to guide me to the right choice that would work theRead more
    5.00
    Thomas L.
  • Mary is so easy to communicate with, pleasant and returns calls and emails in a timely manner. She made our refinance an easy process.
    5.00
    Shelley L.
  • Mary is knowledgeable, supportive, and patient. She remained calm and supportive as I became more and more overwhelmed by the process. This is the third time Mary has guided meRead more
    5.00
    Jarvia L.
  • Mary was great, answered all of our questions and always available to talk!
    5.00
    Michael F.
  • Mary makes a tough process easier. She goes the extra mile, especially when I'm stressing out! I would not go to anyone else nor recommend anyone else. She is a jewel.
    5.00
    Julie S.
  • Mary Rebholz Finch was awesome ! She locked me in at a great mortgage interest rate, and was very easy to reach and communicate with.
    5.00
    William D.
  • Great communication and answered my questions even after hours. Tolerated my lack of computer skills..lol
    5.00
    Vicki S.
  • Mary is beyond amazing!!! This was the third time working with her!!! I have and will continue to recommend her to my friends!!
    5.00
    Samantha M.
  • Mary is amazing! She helped us two times to find the home of our dreams in the middle of a pandemic. She was very knowledgeable and always willing to help.Read more
    5.00
    Evita A.
  • We’ve used Mary 3 times, all was a painless process that was simple and easy to understand. She keeps you informed every step of the way.
    5.00
    John L.
  • Mary Rebholz Finch is the finest person that we have ever done business with. Her team operated with integrity and professionalism through the whole process.
    5.00
    John R.
  • I’m a first time home buyer. I knew absolutely nothing about the buying process and all it involved. Mary, was extremely knowledgeable, she explained everything to comfort me. She foundRead more
    5.00
    Anika C.
  • Mary was very professional, knowledgeable and helpful through the whole process! She is great to work with and made everything very easy for us.
    5.00
    Rhonda L.
  • Mary is very knowledgeable and made the whole mortgage process quick and easy. With just the right amount of communication.
    5.00
    Michael S.
  • Mary was not only very easy to talk to, but she was also very informative and helpful! She was prompt at responding to any forms of communication and went outRead more
    5.00
    Thomas H.
  • Mary was very professional, knowledgeable and took good care of us. We really appreciate her hard work.
    5.00
    John M.
  • Mary was sooo knowledgeable, helpful, professional, friendly, prompt and available. I felt she really had our interests at heart.
    5.00
    Mark K.
  • Mary was great...again. We have done several deals with Mary. And Karen Moore handled the closing without any hitches. Great work from Mary and Karen.
    5.00
    John P.
  • I visited Mrs. MARY REBHOLZ FINCH twice in two years to do finance and refinancing my house. She is a great help with passion.
    5.00
    Kefayatullah J.
  • Working with everyone was painless.
    5.00
    Elmer C.
  • Mary Rebholz Finch was very responsive and clear with her explanations. She was very proactive when problems arose with the closing and pleasant to work with!
    5.00
    Nancy H.
  • Mary did a superb job of keeping us informed and handling a difficult loan from the standpoint that it required a large amount of paperwork due to self employment and investments.
    5.00
    Robert W.
  • Mary worked hard for us. She got us an amazing rate. She worked her magic to roll our closing cost into our loan when refinancing. She was amazing to work with, I would high recommend her.
    5.00
    Nicole E.
  • Mary is very professional and always available to answer questions. We appreciate her being so helpful!
    5.00
    Linda M.
  • My experience with Mary has been one of professionalism and one who cares about her clients. Her personality makes you feel so comfortable.
    5.00
    Colena R.
  • As always, Mary and her team did a fantastic job on our refinance.
    5.00
    Nancylynn M.
  • Mary was with us every step of the way. Her knowledge was so helpful. She is excellent at what she does!
    5.00
    Penny B.
  • Mary truly cares about her clients and wants to see them succeed. Mary worked with me on my credit score and finances and helped me get to point where IRead more
    5.00
    Adrienne E.
  • There is a lot about buying and financing a house that I don't understand.Mary was a great help. Thank you.
    5.00
    William R.
  • Ms. Finch was responsive and patient with my many questions. She also provided constructive suggestions and options for me to consider so I was fully informed about the choices available to me. I would recommend her services to others.
    5.00
    Lynne L.
  • The best part was knowing I could call or text Mary with any question and she would quickly respond.
    5.00
    Karen L.
  • Mary was always available to answer any questions we had during the processing period. This is the second time we have used Mary's help within the last 2 years -Read more
    5.00
    Danny R.
  • Mary was great at keeping us informed. With the Corona virus messing everything up, it took a little longer than expected to close, but Mary kept in contact the entire time.
    4.83
    Timothy L.
  • The length of time between Loan initiation and closing was much Too long.
    4.50
    Joseph J.
  • Mary is great in communication, quick, and efficient. She is very pleasant to work with.
    4.50
    Trang N.
  • How fast service was and always there to answer questions and give guidance on our loan
    4.50
    Tammy M.
  • I was looking to eliminate PMI with an FHA loan. Mary was able to secure conventional loan financing when others told me couldn’t find a lender for my refi. Also great to work with. Thank you.
    4.33
    Kathryn L.

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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