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.
Ms. Mary and Ray were great to work with. They were so helpful.
5.00
Lindsey N. J.
April 30, 2023
Made sure I was taken care of and informed at every step.
4.83
Andrew S. C.
April 13, 2023
Ray and Mary were wonderful the ENTIRE time/process. Very friendly and professional.
5.00
Samantha I. B.
March 03, 2023
Ray, kept things moving which was much appreciated.
5.00
Crystal L. P.
February 23, 2023
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.
5.00
Clinton J. C.
February 05, 2023
Great advice and help from Ray and from Mary - super helpful and responsive !!
5.00
Kevin Gibbons B.
November 26, 2022
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.
5.00
Michael F. H.
November 04, 2022
Ray is a true professional!....Great to work with him!
5.00
Brad L. C.
September 26, 2022
Ray was very willing to walk me through the things I didn’t understand.
5.00
Karen M. S.
July 28, 2022
Great Service.
4.83
Thomas Alexander B.
July 11, 2022
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!
5.00
Linda L. B.
June 24, 2022
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 neededwas requested and followed up on in a timely fashion. Overall one of the most confidence building, trustworthy experiences in dealing with borrowing and finances.Read more
5.00
William D. W.
June 11, 2022
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 closeon our property with as much ease as is possible with these things!Read more
5.00
Alison E H.
May 25, 2022
Ray was always friendly and helpful with whatever questions we had! Very efficient and made this crazy housing market easier to contend with!
5.00
Karie L. M.
May 08, 2022
I was kept informed throughout the whole process.
5.00
Pamela L. M.
May 03, 2022
Ray was always available to answer questions and communicated in a timely manner.
5.00
Andrew K. M.
April 17, 2022
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 andoverall showed concern for me, which made the process very easy. His support staff were wonderful as well!Read more
5.00
Mary M. M.
February 18, 2022
Friendly people, knowledgeable and followed through on their promises.
5.00
Scott M. H.
February 16, 2022
Ray and his team provided professional, efficient, and timely customer service. They were responsive and readily available to provide assistance.
5.00
Nancy A M.
December 24, 2021
Excellent team to work with.
5.00
Jason L. W.
December 22, 2021
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.
5.00
Elaine Marie B.
December 15, 2021
Ray is a hard working person who cares and shares his confidence with his clients.
5.00
Tod Raymond B.
December 12, 2021
Excellent communication throughout the process.
5.00
Jerome H. B.
December 03, 2021
The quick response time at odd hours.
5.00
Darren M. L.
November 21, 2021
The amount of support and advise I was given was amazing and very helpful. I was treated like family! Thank you all!
5.00
Pamela Lynn C.
November 15, 2021
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.
5.00
Renita S. C.
November 05, 2021
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!!
5.00
Ronald Eugene M.
October 19, 2021
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 boththey always answered/emailed me right away. They never made me feel like I was bothersome with my many questions. When ever I didn’t understand certain documents Ray explained them to me in a way that made sense to me. Mrs Mary is one of the most pleasant and patient persons I’ve ever had to deal with she always made me feel like everything would be ok. Together they make a great team. Thanks again Ray and Mrs Mary. I would definitely recommend them.Read more
5.00
Late' M. V.
October 06, 2021
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 closingthere additional cost that came up that I was not prepared for and he made sure I was take care of and that my closing cost was at what he quoted. I cannot convey how relieved I was that he made that hhappen.Read more
5.00
Amy N C.
September 28, 2021
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 whileeducating us on what would serve us best, making it feel like we were working with a long time family friend. I would encourage anyone to contact C&F Mortgage first because they make the buying process easy.Read more
5.00
Robert David V.
September 25, 2021
Constant communication
5.00
Jeffrey W. S.
September 01, 2021
Real talk, helped shape our loan to fit our situation.
5.00
John K. F.
August 26, 2021
Smooth and professional through the entire process.
5.00
Paul A. M.
August 24, 2021
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.
5.00
Paul A. M.
August 17, 2021
Quick and easy. Straight forward and accurate information.
5.00
Jeremy T.
July 03, 2021
Made the process very easy, explained in detail any questions/concerns regarding had
5.00
Jenna M.
June 28, 2021
Ray and his staff were extremely professional and very helpful. Ray was always available even after normal hours.
5.00
Barry M.
June 26, 2021
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.
5.00
Anthony E.
June 18, 2021
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.
5.00
Linwood C.
June 12, 2021
Constantly in touch with you throughout the entire process. Greatly assisted in every aspect of the process.
5.00
Walter J.
May 19, 2021
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!
4.83
Constance U.
May 14, 2021
Ease of application and open communication!!!
5.00
Steven P.
April 21, 2021
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.
5.00
Kelly S.
April 18, 2021
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.
4.67
Sheneda D.
April 15, 2021
He is able to respond with our inquiries without delay or hesitation.
5.00
Airene M.
April 14, 2021
Very responsive service.
5.00
Craig A.
April 12, 2021
Ray was always available.
4.50
Michael K.
March 31, 2021
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.
5.00
William T.
March 24, 2021
Everything went smoothly and quickly. Great to work with.
5.00
Stacy P.
March 21, 2021
Ray and his team provided great service and follow ups throughout the entire process. Our refinance went quickly and smoothly from start to finish.
4.50
David P.
March 19, 2021
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)!
5.00
William M.
March 12, 2021
Ray is awesome. He's incredibly knowledgeable and patient and made sure we explored the options that worked best for us.
5.00
Katherine R.
March 10, 2021
Ray and his team always go the extra mile to ensure we are happy.
5.00
Bobby L.
March 09, 2021
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!!!
5.00
Jamie P.
March 09, 2021
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!
5.00
Roxanna L.
March 08, 2021
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.
5.00
Ardian S.
March 08, 2021
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.
5.00
Steven A.
March 06, 2021
5.00
Ryan P.
March 04, 2021
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.
5.00
Julia T.
March 04, 2021
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.
5.00
Somer D.
March 04, 2021
The simple breakdown of fees and rates, all delivered with a personal touch. Also the amazing APR we were locked into!
4.83
Jason C.
March 04, 2021
The loan was seamless. Quick and easy.
Would use Ray and his staff anytime.
5.00
Michael J.
February 27, 2021
The easy and appropriate way to work with the client
5.00
Juan P.
February 27, 2021
Ray worked hard to make sure any last minute issues were resolved and ultimately wouldn't have closed without him!
5.00
John M.
February 17, 2021
Ray and his team are amazing and made our experience perfect!
5.00
Austin T.
February 15, 2021
Thank you! A quick and simple process.
5.00
CHRISTY L.
February 09, 2021
Wonderful customer service and very professional experience.
5.00
Melvin R.
January 21, 2021
Ray was great
5.00
Kimberly A.
January 06, 2021
Great communication and service!
5.00
Darrel R.
January 05, 2021
I was very pleased with communication throughout the process. Mary Eure worked with my loan package. Mary was extremely helpful and kind.
5.00
Patti J.
December 29, 2020
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 notburdened by a lot of calls and response times were always almost immediate or very close to it. The service was excellent from every person I worked with. I just can't say enough. I'd do it all over again!Read more
5.00
Paula S.
December 28, 2020
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.
5.00
Edward F.
December 17, 2020
Ray & Mary are wonderful and two of the best professionals to help you out.
5.00
Jon B.
December 16, 2020
Excellent customer service. Quick responses to questions. Patient explanations. Friendly people
5.00
Lynn J.
November 13, 2020
Ray and Mary made my refinancing so easy! Knowledgeable and efficient describe this this duo! Thanks so much!
5.00
Claire P.
October 31, 2020
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.
5.00
John J.
October 25, 2020
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 fasterbut i know it was not feasible for it because the extensive work they have on themRead more
4.50
Kyle W.
October 25, 2020
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.
5.00
Pedro A.
October 21, 2020
Constant communication was a key to our successful refinancing.
5.00
Stephen T.
October 14, 2020
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.
5.00
Brandon P.
October 12, 2020
Great team work from him and his staff!!
5.00
Mary D.
October 11, 2020
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.
5.00
Brian J.
October 09, 2020
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 getseverything done that is in his control. Mary is awesome to communicate with and help you along the way. I have already referred friends to them. Thank you again.Read more
5.00
Heather L.
September 19, 2020
Ray was a pleasure to work with. Communication throughout the loan process was excellent.
5.00
Michael G.
September 15, 2020
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!!!
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.
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
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:
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?”
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?”
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:
From the web dashboard
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.
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)
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.
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.’
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.
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.
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.
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.
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.