Looking to purchase a home?

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 homeownership from start the finish. Did you know you could have as low as a 0% down payment to buy a home? Learn more >>>


Why C&F Mortgage?

Local Industry Expert

We have 25 years in the business, helped 90,000+ families and closed over $17 billion in loans. We are a trusted local lender focused on your success.

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.

We have access to the financing solution to meet your individual needs!


Low to no down payment options


First-time homebuyer programs


Down payment assistance and grant fund programs


Military veteran programs


Rural community programs


Renovation programs


Jumbo loan programs


State housing finance agency programs


Lot loan and construction programs


Variable loan term options


Primary, Second home and Investment property options

Interested in a specific product or program?

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.

Home Financing Process


Frequently Asked Questions


Required Documentation

Mortgage Calculators

Products and Programs

What’s going on at C&F Mortgage?

Ready to get started?