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.
Customer Reviews
Roberta was excellent, through, and extremely helpful with the home buying process
5.00
David M.
July 17, 2024
Roberta and her team members were all wonderful to work with.
5.00
Nathan S.
June 26, 2024
Roberta and her team are exceptional, professional, responsive and knowledgeable. This is the 5th interaction we have had with Roberta (each situation slightly different), and each time she handlesthe process deftly and calmly. Roberta is truly one of a kind- and we trust her unconditionally. I have also recommended C&F-Roberta in particular to family and friends who are looking for a mortgage partner. Working with her and C&F has been a great experience.Read more
5.00
Alyson H.
June 26, 2024
Roberta and her team are exceptional, professional, responsive and knowledgeable. This is the 5th interaction we have had with Roberta (each situation slightly different), and each time she handlesthe process deftly and calmly. Roberta is truly one of a kind- and we trust her unconditionally. I have also recommended C&F-Roberta in particular to family and friends who are looking for a mortgage partner. Working with her and C&F has been a great experience.Read more
5.00
Alyson H.
June 24, 2024
We are first time homebuyers and the entire experience was excellent, even with all of the questions and pestering we did to the team. Thank you all.
5.00
Eric P.
March 16, 2024
Roberta was timely, communicated well and was a true pleasure to work with!
5.00
Darragh C.
March 15, 2024
Easy and painless!
5.00
Todd M.
March 04, 2024
Great
5.00
Michael W.
November 08, 2023
Roberta made our entire first time home buying process a breeze. She was very quick and efficient to answer any and all questions we had, and did everything she couldto help us out. Will definitely be recommending her for any future homebuyers!Read more
5.00
Josiah S.
August 30, 2023
Roberta Hammel was terrific to work with she went the extra mile in securing grant money and always keeping me calm through the whole process. I would recommend anyonelooking for a mortgage to work with Roberta she's the best.Read more
5.00
Lynn W.
August 03, 2023
Very experienced and helpful.
5.00
John W.
July 29, 2023
Easy and comfortable. Roberta is the best! She listened to my needs and found what was right for me. She responded immediately to all my many questions.
5.00
Holly S.
June 14, 2023
Excellent customer service all the way around and straight forward.
5.00
Christopher B.
June 10, 2023
Roberta was a pleasure to work with. Very accessible, knowledgeable, every positive I can think of.
5.00
Thomas K.
June 06, 2023
Roberta was wonderful. Helped us get into our dream home when other lenders wouldn’t. Would recommend to anyone, any day of the week.
5.00
Richard W.
June 03, 2023
Everything went very smoothly and much faster than expected. Roberta was quick to answer questions and explain everything to us.
5.00
Omri V.
June 02, 2023
Roberta "the numbers lady" was the best. Robert's communication is top tier. She explained everything thoroughly during our whole process. I loved that she gave the good the bad andugly of it all. If there was ever a question I needed answered she responded so fast with the answer. The financing part of homeownership is the most stressful part of it all, but knowing we had her in our corner made it all worthwhile. Forever apart of our Dream Team.
XoXo- Marc & Eusheka FloodRead more
5.00
Eusheka L F.
May 18, 2023
Roberta was available by phone, text, and email whenever I had a question. She was supportive and reassuring when I needed it the most. Buying a house is stressful andRoberta made it as less stressful as possible. She kept me on task and reminded me when she needed something from me or when something was close to being due. She is a wealth of information and willing to go the extra mile when needed. She was great to work with and I am so glad she was on my "team".Read more
5.00
Sarah Justine K.
March 06, 2023
Roberta is a very friendly and dedicated professional and did a wonderful job assisting us with all phases of our loan process.
5.00
Michael S.
February 25, 2023
Roberta was very professional, knowledgeable and supportive throughout the entire process. Grateful that she was referred to me by my realtor.
5.00
Felicia Joy A.
January 29, 2023
Roberta was absolutely amazing! Her responsiveness was second to none. Her "make it happen" attitude truly made this experience painless. We could not be more grateful for her expertise, compassion, and dedication to our mortgage needs. Thank you Roberta!
5.00
Vincent Brian M.
November 14, 2022
"Roberta’s background, knowledge, respect and promptness made the entire process relaxed and I was super excited that she when above and beyond to get me the grants to close onmy home. I am truly grateful to her and her teammates who made this all possible and will forever remember this exceptional experience of purchasing my first home. C&F Mortgage is lucky to have you Roberta. Thanks a Million to everyone that made this possible!Read more
5.00
JACINTA ALEXIS M.
July 22, 2022
Ms. Hammel was kind and friendly, she answered any questions we had and made the process easy!
5.00
Janice P.
June 02, 2022
Roberta Hammel - I would strongly recommend Roberta. She was very pleasant to work with and took the time to explain the process.
5.00
Bob Wayne J.
May 23, 2022
Roberta was quick to respond to my inquiries with concise and relevant information, she would keep me regularly up to date on my loan progress and advise me if therewas anything I needed to plan ahead for. With her support I was able to move from contract to close in 4 weeks with very little stress - no small accomplishment in today’s home market.Read more
5.00
Michael Jacob J.
May 01, 2022
It was a great experience to work with Roberta, She was very very helpful and communicative with every aspect of the process for my loan, Thank you very much for all the hard work
5.00
Luis Saul C.
April 27, 2022
Roberta was thorough, had great advice on offer letters and shopping for better rates w/ insurance and other required services.
5.00
Kimberly Nichole A.
March 12, 2022
Roberta knows the business very well so she can give good advice and she is very efficient!
5.00
Robert Christopher P.
February 10, 2022
Everything about the whole process was amazing! We love Roberta!
5.00
Tracy A.
February 08, 2022
Very easy and pleasant to work with! Roberta made things less stressful for me
5.00
Marie Louise K.
January 26, 2022
Very professional and friendly. I could tell the staff had my interests in mind. They kept me in the know throughout the process.
5.00
Robert Alistair D.
October 29, 2021
Roberta was fantastic through the whole process. Being a first time home buyer I had a lot of questions that she was quick to answer and was never bothered byme asking. Everything was done quickly and efficiently for the 30 day close. I'm forever grateful for all of Roberta's help!Read more
5.00
Kaitlyn L.
October 25, 2021
Roberta was very responsive to all of our questions and provided us with great support throughout out home buying process.
5.00
Anna Lee T.
October 19, 2021
I was a first time home buyer, and Roberta made the whole process simple and easy to get through.
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.