Mike Mazzola
Mike Mazzola

Sr. Vice President, NMLS# 214951

Address: 1400 Alverser Drive, Midlothian, Virginia 23113
O: 804.858.8309 M: 410.991.3500 F: 804.419.2960

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

  • Mike is the absolute best!
    Sandra B.
  • Mike and Tanner were super responsive and very willing to explain a lot to us as first time home buyers.
    Riley Davidson C.
  • Mike and Tanner were extremely responsive, helpful, and kind throughout the process. They made us feel comfortable with making this big step and we are incredibly grateful for their support!
    Sarah Grace W.
  • Mike Mazzola is absolutely the BEST of the BEST! He is extremely knowledgeable, helpful, friendly and the ultimate professional! In addition, he was always available any time we needed andRead more
    Samuel B R.
  • Mike was helpful to us even before we found the right house and he figured out how we could make the financing work on the perfect one. He and hisRead more
    Susan Marie S.
  • Mike followed up and followed through on everything. He was extremely helpful and available in the home-buying process.
    Matthew Ryan L.
  • Mike Mazzola was so helpful and always available to address my questions. This was the first home I have purchased and Mike was so patient with walking me through theRead more
    Stacey A.
  • Unexpectedly fantastic service — thorough, prompt, great communication. Highly recommend!
    Emma R.
  • He was very supportive from start to finish. Money can be a hard thing to discuss in a relationship and I felt empowered by the information and advice Mike providedRead more
    Chelsea C.
  • Quick and very helpful throughout the entire process.
    Stephen E.
  • I’m a first time home buyer and I didn’t know much of the home buying process. Mike answered all my questions and guided me through the process better than I could’ve asked someone to do.
    Steven A W.
  • Mike made the process of refinancing so easy! The whole process was quick and seamless! Thank you
    Bradley S.
  • I cannot express enough my gratitude to Mike Mazzola and Julie Scarpino. They went above and beyond for my loan and made amazing things happen in record time. They are the best!!
    Melissa A.
  • .
    Riccardo C.
  • I’ve worked with Mike several times before and I’ve always had the best experiences. He really knows his trade, is always available, and goes above and beyond to answer questionsRead more
    Sara C.
  • Mike Mazzola is the only mortgage banker I trust. My husband and I have been going to Mike for over 20 years for all of our mortgage needs, whether buying,Read more
    Kurt A.
  • Clear communication. Quick response. Reliability and accountability
    Riccardo C.
  • Mike Mazzola did a mortgage for us 20 years ago to buy this house and we just refinanced it with him. Nice to do business with people you know where you have history.
    William J.
  • We had a great experience with C&F Mortgage and Mike Mazzola. Everything we needed was completed very quickly and efficiently. We would definitely recommend them to anyone and use them again in the future!
    Logan A.
  • Mike was flawless. Quick and easy to work with. Made a stressful situation very comforting
    Jessica R.
  • We couldn't of asked for a better team in Mike and Denise. Mike answered all of our questions, met with us to go over our options and was incredibly knowledgableRead more
    Katie M.
  • We could not asked for a better experience. Mike and his team were attentive and went above and beyond to provide thorough explanations and walk us through all the steps.
    Melissa W.
  • Everything went smoothly from the very beginning to the end. Great experience!
    Grace F.
  • Thank you to Mike and all of his colleagues.
    Kimberly M.
  • Great!
    Tamara M.
  • Mike is amazing and made the process stress free.
    Hannah B.
  • Mike was super responsive and had answers to all of my questions. Couldn't have had a better experience.
    William W.
  • Mike was amazing to work with! He stuck by our side for months while my husband and I searched for our first home. Mike was always available for questions andRead more
    Jessica R.
  • Communication
    Shane G.
  • Mike was quick to respond to any communication, gave thoughtful advice and insight, was helpful with logistics, and very confident in his approach.
    Hillary R.
  • Mike was absolutely fantastic! He made us feel like we're always his priority and was available at any time for our questions. It was the smoothest closing! thank you Mike!! Can't wait to work again together 🙂
    Khrystsina K.
  • Mike with Denises help provided a seamless refi experience, they are very patient and helpful..
    Alan W.
  • Michael answered each question that we had and he even responded outside of regular business hours!!!!
    Carolyn Sackett T.
  • Mike Mazzola and his team are a wealth of knowledge. I fully trust him with all of my mortgage needs.
    Melissa O.
  • Mike was patient, highly available, and met all my needs.
    Elaine Valerie G.
  • Timely, consistent, and resourceful information. Professional interactions from beginning to end.
    Paul H.
  • The ease of the entire process, and the patience with Mike and how he answered my questions. as well, as how well he explained every step of the process.
    Robert P.
  • Mike's attention to detail and speedy response time!
    Christina M.
  • Loved working with C&F! Already had family members reach out to refinance due to my great experience.
    Mark E.
  • Quick meaningful responses
    Anthony J.
  • I was very pleased with the professionalism and would recommend your services in a heartbeat.
    Elisbeth J.
  • Working with Mike has always been great and easy. He's very knowledgeable and gives good advice. He was there when me and my husband purchased our first two homes, thereRead more
    Clarissa H.
  • Mike Mazzola is the best! He guided me through the whole process, start to finish, and it couldn't have been any easier!
    Scott D.
  • Quick, efficient and good communication
    Roderick W.
  • C&F Mortgage is the best! The communication from Mike and Denise was great. I loved the online application process - it was very easy. Thank you for a very smooth process!
    Katherine K.
  • Mike gave us great advice, as always. This is the second refinance we have done through Mike and we are so grateful for his leadership and advice. My wife andRead more
    Kenneth M.
  • Mike and his team go above and beyond to meet our needs!
    Julie A.
  • Mike and his team are excellent. They are responsive to questions and are incredibly knowledgeable and helpful. We’ve used them to both finance an initial purchase and to refinance and would use them again in a heartbeat
    Zachary B.
  • Michael and Denise are a great team to work with. Fast, efficient, always professional and friendly. Just a great team that knows there "stuff" and gets the work done. MichaelRead more
    Deborah C.
  • Mike was so helpful with our refinance. He was professional and kind and a wealth of information. He was also available on a moments notice when we had questions. ThisRead more
    Amelia B.
  • Personal service with an almost unbelievable response time.
    Harry O.
  • This is the second time Mike has helped us close on a loan, and we will keep coming back to him. He's never steered us wrong and always offers excellentRead more
    Giordana R.
  • The refinance process was so easy with Mike’s guidance and very responsive when we had a question.
    Matthew C.
  • Mike was great to work with and took the time to explain the process thoroughly.
    Michael N.
  • I used Mike for both my first time buy and refinance and both times he's been extremely helpful. He answered any question I had and explained it very well forRead more
    William J.
  • Mike and Denise did a great job for me in setting up my mortgage. The only negative was the website which is incomprehensible and not at all userRead more
    Simon M.
  • Mike is very knowledgeable. Although I’d been through the buying/mortgage process several times before, he taught me some of the nuances that I hadn’t previously known about. He and hisRead more
    Johna R.
  • Mike was extremely attentive and responded to all questions and concerns immediately. He gave great advice when I was asking financial questions relating to the refi for family planning. HeRead more
    Aishah A.
  • Mike and his team were very responsive and helpful during the entire refinancing process.
    Amit B.
  • Clear communication, laid out all available options well, competitive rates, easy to use portal
    Nicholas S.
  • Mike goes above and beyond to make everything go smooth and easy
    Christopher D.
  • Everything is great.
    Marisa D.
  • Great service and experience! Highly recommend.
    Jennifer B.
  • Mike & his entire team at C&F were simply wonderful to partner with to do our complicated bundle refinance of our personal residence as well as multiple investment properties. WeRead more
    Kelly A.
  • Mike and his team did an amazing job with our refinances. They were always professional, courteous, and showed their experience, training, and desire to do a superb job. We are very grateful and wholeheartedly recommend them.
    Frank W.
  • Everything went quick and efficiently. That made the process a whole lot easier!
    Wallace R.
  • Denise and Mike made me fell comfortable and kept me informed every step of the way . Mike is beyond dedicated ,He called me on the way home from theRead more
    Clark D.
  • Michael is a professional. He knows this business inside and out; and every which way in-between. He has a wonderful loan processor - Denise Grandstaff who deserves a raise. WeRead more
    John A.
  • Quick response times, friendly and professional service, and we were always kept in the loop as to were we were with our refinancing.
    Robert F.
  • Kenny Wallace and Denise Grandstaff on Mike’s staff were my primary points of contact for our loan, and they were so responsive, helpful, and reassuring that they managed to restoreRead more
    LynDee M.
  • Mike has a genuine concern for helping his clients and you can sense you're in good hands and will get the information you need to make the the right decision,Read more
    George W.
  • MIke personally walked us through this process. We did not have to do unnecessary paperwork just to check boxes but only what mattered. He was responsive and knowledgable.
    Karey A.
  • Fantastic service. Highly recommend Mike and his team.
    Douglas M.
  • Very easy process. Good software, similar to Turbo Tax the way it walks you through each step.
    Michael T.
  • It was a great experience very helpful and great at communicating
    Zachary W.
  • Your team helped us keep straight. Kenny Wallace helped us by answering questions and helped us if we didn’ Understand what was needed.
    Alfred E.
  • I trusted Mike's efforts putting together the best mortgage for us and confident we received the best rate available to us. There were some kinks with the in home notaryRead more
    Steven D.
  • Everyone was very helpful throughout the whole process!! Highly recommend!
    Gregory W. T.
  • Pleasant attitude. Always there to answers questions and provide guidance.
    Gus A C.

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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