Ray Gunter- circle
Ray Gunter Sr.

Ray Gunter Sr. (Branch Manager) & Mary Eure (Loan Officer), NMLS# 697548 | 762203

Address: 613 Lynnhaven Parkway Suite 200, Virginia Beach, Virginia 23452
O: 757.937.5748 M: 757.287.5856 F: 804.419.8750

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.

Ray Gunter Sr. | Branch Manager/Sr. Vice President NMLS #697548
rgunter@cfmortgagecorp.com | 757.937.5748

Mary Eure | Loan Officer NMLS #762203
meure@cfmortgagecorp.com | 757.937.5738

Customer Reviews

  • Constant communication
    Jeffrey W. S.
  • Ray is a hard working person who cares and shares his confidence with his clients.
    Tod Raymond B.
  • Excellent communication throughout the process.
    Jerome H. B.
  • The quick response time at odd hours.
    Darren M. L.
  • The amount of support and advise I was given was amazing and very helpful. I was treated like family! Thank you all!
    Pamela Lynn C.
  • The process of the whole experience was great,they keep you informed in details an help you along with anything for a smooth process,I would recommend this company for anybody with any problems they can and will help you.
    Renita S. C.
  • Was always available and knowledgeable, I felt super comfortable through I high stressed ordeal, and Ray always had a the answers to relieve my stresses!!
    Ronald Eugene M.
  • Ray and Mary were so helpful through this entire home buying process. They made it easy and stress free. No matter how many times I called or emailed them bothRead more
    Late' M. V.
  • I am a first time home buyer. I had a lot of questions and he always answered them no matter how simple they were. The most important was at closingRead more
    Amy N C.
  • Ray and his colleagues were personable and went above and beyond to make sure my husband and I were well informed along the way. They effectively communicated our options whileRead more
    Robert David V.
  • Ray made him self available via cell phone as we were negotiating the price for our new house and needed an approval letter after hours and even on a Saturday.
    Elaine Marie B.
  • Real talk, helped shape our loan to fit our situation.
    John K. F.
  • Smooth and professional through the entire process.
    Paul A. M.
  • Ray and Mary did a very thorough job of keeping up with all aspects of the loan from application to closing. Great communication and very professional manner.
    Paul A. M.
  • Made the process very easy, explained in detail any questions/concerns regarding had
    Jenna M.
  • Ray and his staff were extremely professional and very helpful. Ray was always available even after normal hours.
    Barry M.
  • Ray Is a straight shooter. He conveyed honesty and integrity through my experience with him. Truly looks out for his clients and what best fits there lifestyles.
    Anthony E.
  • Ray always replies to a call, text, or email even on weekend. Trusting someone these days is highly important and with Ray I’ve always been comfortable with his advice.
    Linwood C.
  • Constantly in touch with you throughout the entire process. Greatly assisted in every aspect of the process.
    Walter J.
  • Ease of application and open communication!!!
    Steven P.
  • Ray and his team were upfront - nothing was unexpected. If a mistake in numbers was made - he called right back to correct any confusion. Everything that was neededRead more
    William D. W.
  • Ms. Mary and Ray were great to work with. They were so helpful.
    Lindsey N. J.
  • Ray and Mary were wonderful the ENTIRE time/process. Very friendly and professional.
    Samantha I. B.
  • Ray, kept things moving which was much appreciated.
    Crystal L. P.
  • Ray and Mary were very knowledgeable and professional. Went out of their way to make this happen in a short time frame and made themselves available 24/7. I'm very pleased with our interactions and will recommend them to others.
    Clinton J. C.
  • Great advice and help from Ray and from Mary - super helpful and responsive !!
    Kevin Gibbons B.
  • Ray is very responsive, proactive and professional. I really enjoyed Ray's careful but relaxed demeanor throughout the process and I always felt like he had our best interest at heart.
    Michael F. H.
  • Ray is a true professional!....Great to work with him!
    Brad L. C.
  • Ray was very willing to walk me through the things I didn’t understand.
    Karen M. S.
  • Working with Ray and Mary is an extraordinary experience. Not only are they professional at all times but both are great communicators. Recommend them always!
    Linda L. B.
  • Ray , Amanda and the entire process "pandemic" time was the easiest mortgage transaction i have ever been through..Betty Crocker couldnt had made it more simplified!!!
    Robert E.
  • The whole team made sure everything got done no matter what. Even if i thought i had missed something, the process stayed on track and we were able to closeRead more
    Alison E H.
  • Ray was always friendly and helpful with whatever questions we had! Very efficient and made this crazy housing market easier to contend with!
    Karie L. M.
  • I was kept informed throughout the whole process.
    Pamela L. M.
  • Ray was always available to answer questions and communicated in a timely manner.
    Andrew K. M.
  • Ray was very helpful in explaining the process and communicated to me all updates. I am a widow and Ray was very kind and he listened to my needs andRead more
    Mary M. M.
  • Friendly people, knowledgeable and followed through on their promises.
    Scott M. H.
  • Excellent team to work with.
    Jason L. W.
  • Ray and his team provided professional, efficient, and timely customer service. They were responsive and readily available to provide assistance.
    Nancy A M.
  • Great team work from him and his staff!!
    Mary D.
  • Ray was great
    Kimberly A.
  • Great communication and service!
    Darrel R.
  • I was very pleased with communication throughout the process. Mary Eure worked with my loan package. Mary was extremely helpful and kind.
    Patti J.
  • I love working with great people that are experienced and knowledgeable. Making it easy for me every step of the way. I was able to communicate by email and notRead more
    Paula S.
  • Ray’s honesty & Mary Eure’s hard work & persistence with working with the underwriter. They were great. I would highly recommend them and already have.
    Edward F.
  • Ray & Mary are wonderful and two of the best professionals to help you out.
    Jon B.
  • Quick and easy. Straight forward and accurate information.
    Jeremy T.
  • Excellent customer service. Quick responses to questions. Patient explanations. Friendly people
    Lynn J.
  • Ray and Mary made my refinancing so easy! Knowledgeable and efficient describe this this duo! Thanks so much!
    Claire P.
  • He is able to respond with our inquiries without delay or hesitation.
    Airene M.
  • Ray has helped us in two occasions with closing on our mortgage. He provides excellent advice and gives you the attention needed to make sure things are understood and the process goes well. I would recommend him to anyone.
    John J.
  • Ray and Mary were fantastic. They picked up our loan when our original loan person left C&F and got us across the finish line in a timely manner.
    Pedro A.
  • Constant communication was a key to our successful refinancing.
    Stephen T.
  • We had a great experience with C&F Mortgage. The process was easy & quick. Was able to do everything that was promised with very little work on our end would definitely use them in the future.
    Brandon P.
  • Ray and Mackenzie were both so helpful though this process. We couldn't thank them enough for all the time and effort they put into getting this done. Thank you both.
    Brian J.
  • Ray and team are the only ones i go to for my mortgage needs. This is my second time using Ray. He works hard to make sure that he getsRead more
    Heather L.
  • Ray was a pleasure to work with. Communication throughout the loan process was excellent.
    Michael G.
  • Ray worked hard to make sure any last minute issues were resolved and ultimately wouldn't have closed without him!
    John M.
  • Thank you! A quick and simple process.
  • Ray and his team responded quickly to my questions and were on top of the loan processing in a timely manner. They were able to close my loan in under 30 days. Very organized, communicative and professional.
    Kelly S.
  • Very responsive service.
    Craig A.
  • Extremely helpful and professional with my refinance. I was very pleased with the online process and if I had any questions Ray and his team were right there to help every day for every step.
    William T.
  • Everything went smoothly and quickly. Great to work with.
    Stacy P.
  • Ray is always super responsive and helpful with even the most basic questions. He’s made the process so easy and is the only person I’ll go to for future refinancing (although my rate probably can’t get any lower)!
    William M.
  • Ray is awesome. He's incredibly knowledgeable and patient and made sure we explored the options that worked best for us.
    Katherine R.
  • Ray and his team always go the extra mile to ensure we are happy.
    Bobby L.
  • This is our second time working with Ray and Mary, and we cannot recommend them enough. They are so good at what they do, and incredibly helpful and responsive. We’d definitely go back again and again!
    Roxanna L.
  • Your team was very communicative via phone calls, emails, texts - whatever was necessary for me to get what I needed. Ray did such a great job explaining everything and making sure I understood.
    Ardian S.
  • 5.00
    Ryan P.
  • Wonderful customer service and very professional experience.
    Melvin R.
  • Ray and his team are amazing and made our experience perfect!
    Austin T.
  • The easy and appropriate way to work with the client
    Juan P.
  • The loan was seamless. Quick and easy. Would use Ray and his staff anytime.
    Michael J.
  • Ray was a great coach throughout our home buying process. He answered all of our questions thoroughly and and swiftly! We always felt that Ray had our best interest in mind will working with him.
    Julia T.
  • Ray and staff provides quality customer service. All emails and questions are answered quickly. Requests from C&F are clear. Many times, I have recommended friends and family to contact Ray Gunter for mortgage loans.
    Somer D.
  • Ray was so honest and easy to work with. He explained every aspect of our transaction and how it would affect us. Wonderful to work with!! Highly recommend!!!
    Jamie P.
  • Friendly, fast, and most helpful especially helpful with assistance dealing with a non tech savvy individual like myself get everything to closing in a couple weeks. Great experience, I highly recommend this company, Ray and Mary are outstanding.
    Steven A.
  • The simple breakdown of fees and rates, all delivered with a personal touch. Also the amazing APR we were locked into!
    Jason C.
  • Mary Eure went out of her way to help us with all the paper work and she was so nice to work with. Thank you all!
    Constance U.
  • Great Service.
    Thomas Alexander B.
  • Made sure I was taken care of and informed at every step.
    Andrew S. C.
  • The process and timing. We was first time homebuyer and had a lot of questions and they never make me fell like my question were stupid.
    Sheneda D.
  • Was kept well informed every step of the my loan was all kinds of messed up and they fixed it only think i wish is it could have happened fasterRead more
    Kyle W.
  • Ray and his team provided great service and follow ups throughout the entire process. Our refinance went quickly and smoothly from start to finish.
    David P.
  • Ray was always available.
    Michael K.

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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