Nicole Patch

Loan Officer, NMLS# 1909365

Address: 1320 Central Park Boulevard Suite 201, Fredericksburg, Virginia 22401
O: 540.548.8855 ext 73628 M: 703.232.3514 F: 804.419.2998

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.

Nicole was amazing, she was patient, kept us informed and at ease throughout the entire process. I highly recommend Nicole to anyone who is nervous or unsure about buying their first home. We couldn't have done this without her, and trust me, we've tried! Thank you Nicole for everything!

by Tracey H.

Nicole went above and beyond to get me to where I needed to be I buy a house. I could not have done this without her!

by Erica W.

Nicole was very thorough and attentive to my needs during the process of me buying my home. She always answered all of my questions and provided continuous reassurance and support. Best first home buying experience yet! All of C&F staff were friendly and on top of everything!

by Christina N.

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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