Rossi-Dean Headshot 2023 500
Rossi-Dean Team

Cathy Rossi & Buddy Dean, NMLS# 316647 | 818861

Address: 1400 Alverser Drive, Midlothian, Virginia 23113
O: 804.858.8349 M: 804.357.1073 F: 804.419.8477

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.

Cathy Rossi | Loan Officer NMLS #316647 |  804.357.1073

Buddy Dean | Loan Officer NMLS #818861 | 804.564.3688

Customer Reviews

  • Great service! Very responsive!
    Andrew R.
  • Ms. Rossi takes the extra step(s) needed to ensure her clients are informed and supported. I have had the pleasure to work with Ms. Rossi for over 10 years onRead more
    Kevin M.
  • Cathy kept me in the loop and informed throughout the entire process and returned calls and emails promptly. She made the process very smooth for a first time home buyer. 10/10 would recommend.
    Meredith P.
  • Cathi and associates made Refinancing so easy, glad I was recommended to C & F. A pleasure to work with.
    Jill H.
  • Cathy is very helpful and so great to work with. She exceeded my expectations!
    Kyle D.
  • Knowledgeable, attentive, available, customer-service oriented
    Gary E.
  • Cathy was easy to reach and followed up quickly to any questions we had. Great job - thanks!
    James J.
  • Very easy to work with to do my refinance.
    Cheryl L.
  • Cathy found us a great rate, and the whole process went very smoothly.
    Michael T.
  • Bey pleasent to work with and has great team!
    Sara C.
  • Would I tell you what made it GREAT? The fact that Cathy provided me and told me exactly what I need to do to accomplish what is was IRead more
    Almon K.
  • This is the second time I have worked with Cathy and she is great. She was so responsive with every part of our house search. She answered all of our questions and was always able to provide good counsel.
    Kathryn F.
  • Working with Kathy and her team was definitely the easy button! Love love the technology in uploading documents! The ability to take a picture of a document and upload isRead more
    Lynne M.
  • Cathy and Buddy were great! Easy refi!
    Howard L.
  • Everyone worked together to make this a smooth process.
    James H.
  • Cathy's expert guidance and responsive customer service made it possible to navigate a narrow closing window b/w our old and new home virtually stress-free. Now my family has a dream home to raise our family in...Thanks Cathy!
    Bryan F.
  • Cathy was fantastic! Great communication and she made the whole process seamless and simple. Highly recommended!
    Jeanne A.
  • As first-time homebuyers my husband and I had a lot of nerves at the start of the process and many questions throughout it. Cathy quickly put us at ease andRead more
    Molly A.
  • friendly, great service, and easy to use website portal.
    Adam J.
  • I was impressed with how many times I received emails confirming the loan status and providing contact information should I need assistance.
    Neil A.
  • Everything went fine and on time
    Dale Q.
  • Very very supportive and informative, Customer service (10).
    Larry M.
  • Cathy did a great job working with me
    Diana M.
  • Very please with how the group walked us through the process making sure we didn't feel any stress from the required information.
    Delrease L.
  • Cathy Rossi and Buddy Dean extremely professional and guided us throughout the entire process. They both worked diligently to provide us with the best service and loan rate.
    Gerard W.
  • Ms. Rossi was available when we had questions about our loan. She was always down to earth and pleasant to talk with. Ms. Rossi was always very professional and knowledgeableRead more
    Theresa M.
  • Cathy Rossi is great to work with and I would recommend her to anybody looking to obtain a Mortgage or Re-Finance there home.
    Ronald S.
  • Friendly and always with a quick response!
    David R.
  • It was easy.
    Nancy J.
  • I am so thankful for Cathy, Buddy, and Courtney - all of whom provided priceless advice, excellent communication, and timely guidance through every step of my home buying experience. Thank you guys so very much!
    Christopher F.
  • Very friendly and hard working
    Thomas D.
  • From the first call to Cathi, the service, professionalism and caring were second to none. Great doesn’t even come close to the customer service I received. It truly wowed me!Read more
    Katherine S.
  • Cathy was very helpful with everything! Even when we had a million questions-she was there to answer them quickly as possible.
    Aaron R.
  • Cathy Rossi and Buddy Dean were great to work with. They were very accommodating with us through the refinance process. They were very patient never rushing us to get documents.Read more
    Angela S.
  • They were so helpful with every step and very prompt and friendly I would highly recommend Cathy and the C&F team!
    Charles A.
  • Cathy Rossi and the C&F Mortgage team did a great job of gathering the information needed to allow our home re-financing process run as smoothly as possible.
    Timothy P.
  • Quick call back , very pleasant and accommodating.
    Kenneth R.
  • Buddy is the best!
    Elaina M.
  • Expectations/timeline were set out clearly by agent and they ended up moving very quickly through my refinance which led to a windfall in my favor. Communication was excellent with promptRead more
    Daniel P.
  • This was our second mortgage refinance with C & F Mortgage and Cathy Rossi. Cathy was kind, efficient, and helpful through out our mortgage process.
    Desiree T.
  • Cathy and her team were available at ANY TiME!! They made a complicated situation go smoothly and I will never use anyone else!
    Nicole R.
  • Buddy was extremely helpful throughout the process
    Michele M.
  • Friendly, helpful, easy to work with
    Kate J.
  • Cathy was amazing!! She was so helpful and patience during the whole process and was there when we needed her help for anything we needed. I would definitely use her again and recommend her to anyone needing a mortgage!!
    John A.
  • This was our first experience refinancing, and also working with C and F. The mortgage team was very helpful and responsive to us with any question we had---even after hours!Read more
    Alfredo G.
  • process ran very smoothly and i was informed all the way through
    Shannon H.
  • Kathy was pleasant, informative and patience with me Being slow getting things done.
    Deborah Y.
  • Cathy was great from start to finish!!
    Annette G.
  • Cathy and team were very informative and professional. We had allot of questions regarding this refinance and what would be the best options for us. Cathy had great advise andRead more
    Elizabeth A.
  • Cathy was very customer friendly, courteous and responsive from start to finish. I had a lot questions which she answered throughout. She also alerted me when timing of documentation and signatures were required. Couldn’t ask for better service.
    Jacquelyn B.
  • Learned a lot about buying a home and everything was fast and easy.
    Michael D.
  • Ms. Rossi went over and beyond to make my process as peaceful as possible. She answered every phone call and text messages in a timely manner. She was very professional and a pleasant person to deal with.
    Clarissa M.
  • I worked closely with Buddy Dean for the the mortgage. He was great! He was very helpful and patient. He was incredibly responsive and was available at all times thatRead more
    Kareem A.
  • Cathy's personal touch, flexibility and patience during this process was amazing. I have spoken to a colleague who was doing this with another company and their experience was nothing like mine.
    Marco M.
  • Cathy was extremely communicative, informing and patient during all of our conversations. She is extremely positive and honest with you. She even wish me a happy birthday!
    Charles M.
  • Ms. Rossi was nothing bet helpful through out my entire process and home buying experience. My work schedule was volatile and she was very flexible to answer all my questionRead more
    Nicholas H.
  • it was pretty painless
    Christopher D.
  • Cathi guided us through the process
    William G. M.
  • It was a smooth transition. You where there every step of the way.
    Paul Anthony R.
  • Buddy Dean. He's amazing - extremely knowledgeable, prompt with responses, and made the process as easy as possible for us.
    Sarah Rohrs R.
  • Cathy and her team were always available to answer any questions and were very helpful throughout the entire process. The electronic loan document review and signing process was very efficient and easy to use.
    Shaun B.
  • Communication and helpfulness during the process of buying my first house
    Jakob Tyler V.
  • Cathy & Buddy made our mortgage experience as streamlined and seamless as possible. They answered all of our questions promptly and made us feel like we were their only clients.Read more
    Lee B. H.
  • Everyone was very accommodating, helpful, and quick to reply to any and all of my questions and needs. It was a quick and simple process for me. Everyone was wonderful!
    Glenndale C.
  • How professional cathy was.
    Timothy B K.
  • Everything was smooth and efficient.
    Roy Wesley H.
  • They did everything necessary to get us the mortgage for our new house.
    Brandon B. G.
  • Very friendly and responded quickly to any concerns we had.
    Emily B.
  • She was very informative and always called back quickly.
    MARIA S.
  • Cathy's personal attention to the pulse of the ongoing process within her Excellent Team and knowing when to allocate her individual time via phone with and or members of herRead more
    Sheri R C.
  • Quick responses and easy to fill out forms
    Danny Bruce M.
  • Communication throughout the process. All questions answered.
    Gordon Lee W.
  • As a truck driver on the road percent you need to take the time to trusted in some one on that person is Buddy Dean and is Team I'm so thankful Yahweh Bless
    Rey A. A.
  • Good experience overall. Kept me informed on what was needed from me.
    Charles E P.
  • Both Cathy and Buddy were very knowledgeable and had quick responses to questions. At a time when the market is crazy and so many things are delayed, they made sureRead more
    Karen Michelle T.
  • Transparency, accessible, responsive!
    Leslie H. E.
  • Cathy was extremely helpful in helping me understand the mortgage process. She was always available for conversations and kept me informed on current status. The online documentation system worked veryRead more
    Marcus Lafayette R.
  • Communicative and professional
    Donielle A.
  • Kathy is great at what she does. This is the second home that I have bought from her her her team or wonderful.
    Timothy B K.
  • Buddy Dean.
    Ann M Z.
  • Cathy is a subject matter expert! She kept us informed, provided daily and weekly updates and walked us through the process… We felt very comfortable working with Cathy! She tookRead more
    Charles Mason J.
  • Ms. Cathy Rossi is truly the best in the lending world! Mr. Cathy spent countless hours on our loan process ensuring the process went smoothly. It was a true honorRead more
    Miletus H M.
  • Fantastic communication and quick responses every step of the way. Can't imagine a better experience.
    Darcie Y T.
  • Very kind, very helpful, and made it a smooth process!
    Michelle A.
  • Good people 🙂
    Dennis M. W.
  • The Rossi-Dean team are wonderful! They kept in touch with me all the time through the process. They were there to explain each step and were very kind and patient with me. I enjoyed talking with them.
    Mary E E.
  • Kathy always returned my calls, answered my questions and put my mind at ease.
    Debra Kay R.
  • Cathy and Buddy always returned calls and answered any questions
    John P G.
  • Buddy Dean is incredible , worked with him in the past , worked with him this time and will work with him in the future. He explains everything in detail,Read more
    Elaina R.
  • Professional and easy
    Jacob S.
  • Cathy is a rock star! She supported us every step of the way and was always extremely knowledgeable, straightforward, and timely in her communication. As first time homebuyers, we couldn’t have done this without her guidance!
    Kirsten G.
  • Buddy made everything very easy and efficient
    Ashley G.
  • This team went the extra mile for me when they needed to.
    Kevin A.
  • Very smooth process and fantastic communication
    Eric H.
  • Cathy is always so attentive, and much more like a friend than a business woman in the sense that she treats you like family, not like a general customer. EvenRead more
    Courtney F.
  • Cathy was extremely responsive to our many questions. In addition, C&F was able to get us a great rate.
    Sara W.
  • Excellent communication and customer service
    Preston T.
  • cathy's knowledge, experience, and helpfulness.
    Richard H.
  • Wonderful to work with!
    Mathew P D.
  • Communication to/from Cathy was outstanding.
    Timothy Frederick S.
  • Really easy and convenient
    Olga R.
  • Cathy was very knowledgeable and pursued questions to a resolution. I could say many more things but suffice it to say; the realtor stated at closing, he enjoyed working withRead more
    Deborah N.
  • Very clear communication and helpful with whatever questions I had.
    Michelle M.
  • Cathy Rossi quickly answered my messages about the status of the loan process. Helped steer me in the right direction to facilitate the loan advancement.
    Charles L.
  • Cathy was very helpful and responded to any emails or phone calls very promptly! She always made me feel like I could call her with any questions and it wasRead more
    Lisa H.
  • Everything was easy.
    Mark F.
  • Only had one little hiccup towards the end but otherwise everything went through smoothly and quickly!
    Hannah Elizabeth S.
  • The people and the advice
    Kyle Daniel C.
  • The work that they did for us on the hole deal
    James M G.
  • The process For our cash out Loan was longer than I had hoped and it seemed there were needed documents that were Not originally requested then they could not beRead more
    Dorothy A.
  • the response time I received when I reached out to the staff was great; the level of knowledge and understanding of the products and my financial goals was great asRead more
    Vanessa C.

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.

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.


Select the financial institution that you work with from the thumbnail provided below, or by using the search bar to type in the name of your financial institution.


Once the institution has been selected, you will be asked to provide your online login credentials to access your online banking account. Use the same username and password that you normally use to login into your mobile banking account, then click on the “Submit” button to continue.


Our integration will then use your login information to locate your financial account details and then display a list of results confirming the account number and account balance. Check the box next to the account you wish to provide, then select the “Share Account” button to include this information in the loan application. If you have multiple accounts to provide, simply select the “+ Add Another Account” link below the results to start this process again until all assets are listed.


Once all information is entered and the loan application completed, all of this information will be securely sent to your loan officer’s loan processing system where they will be able to continue the process of getting your loan created and arrange for next steps towards completing the process.

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 informing you that we will be connecting using our income provider to import that information. Click on ‘Get Started’ to begin the process.


A window will then display where “Employment Records” can be selected as the information needed. Once that is checked, select the “Submit” button to continue.


In order to locate the employment records, you will need to enter the last 4 of your Social Security Number, before clicking on the “Next” button to continue.


After a moment of searching, there will be confirmation of the employment records being found. To review the information that you want to be associated with the loan application, you can choose what type of employment record you would like, then select the “Next” button to proceed.

Note: This first record selected should be the information of your current primary employer. There will be future steps allowing to include other employers/income streams.


Once the initial employer information has been selected, the option to add additional information of employment, be it self-employed or otherwise, will be allowed. Checking those options will repeat the initial process. After all information has been added, the “No I’m done” option should be selected.


The final screen you come to will confirm that you have selected to share all the “Employment records” you chose for the application. Clicking on the “Submit” button will generate the employment report and allow you to continue filling out the remaining sections of the loan application as normal.

If your employer does not show up in the search and you receive the message below and be redirected to manually enter your income and employment information.


Screen to manually enter Employment and income if it does not automatically populate.


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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