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 the finish.

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.

Why should I refinance?

CFMortgageRefinanceInset
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 20% 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.

Home Financing Process

u

Frequently Asked Questions

i

Required Documentation

Mortgage Calculators

Products and Programs

What’s going on at C&F Mortgage?

Ready to get started?