Looking to refinance your 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 through your pathway to refinancing your home from start to finish.
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.
Why should I refinance?
Interest Rate Changes
Interest rates fluctuate over time, and if you bought your home when rates were higher, you may benefit from refinancing at a lower rate.
Home Repairs
If you have a decent amount of equity in your home and need to make some home repairs or upgrades, you can tap into that equity to fund these projects.
Large Purchases or Consolidating Debt
Significant life events like a child going to college or getting married can be expensive. Refinancing can save you money on your mortgage each month or allow you to tap into your home’s equity to put toward large purchases.
Loan Term Changes
Whether it’s a switch from an adjustable rate mortgage to a fixed rate mortgage or from a 30-year to a 15-year mortgage, sometimes these changes can add up to significant savings!
Eliminate Mortgage Insurance
If you refinance from a government to a conventional loan or have more than 20% equity in your home, you have an opportunity to eliminate monthly mortgage insurance which can save you a significant amount over time.
Vacation Home Purchase
If you are thinking of buying a vacation home, you’ll need to be prepared to potentially put 10% down, and refinancing your primary residence can help provide the cash you need.
We have access to the financing solutions to meet your individual needs!
Refinancing your home is not a one size fits all approach. Fortunately, we have innovative financing solutions to fit your specific refinancing needs, and at C&F Mortgage, we’re focused on you every step of the way.
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.
What’s going on at C&F Mortgage?
Understanding Debt-to-Income Ratios
There are several considerations that lenders make when determining your...
3 Mortgage Scams to Be Mindful Of
Buying a new home is one of the most exciting times in your life, and...
3 Things Self-Employed Borrowers Need to Know Before Buying a Home
Buying a home is one of the most exciting milestones in your life, but...