Tanner Howell

Loan Officer, NMLS# 2063110

Address: 1400 Alverser Drive, Midlothian, Virginia 23113
O: 804.419.0042 F: 804.655.6819

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.

Customer Reviews

  • Tanner was great, informative, and incredibly responsive. Stuck with us through a long "shopping around" phase and was on the ball and ready to go when we found the houseRead more
    James D J.
  • Tanner was excellent at communicating with me and giving me helpful information on what I needed and wanted to know!
    Ethan K S.
  • Tanner was always proactive with helping me and always was available for a phone call whenever I had any questions.
    Charles M.
  • Excellent communication throughout the process. No surprises.
    Daniel B.
  • Tanner was very personal from the very beginning and listened to my wants and concerns. Any time I had a question, he was quick to respond. The process went reallyRead more
    Sherri L. G.
  • Tanner was quick to respond and provided thorough details about the process. We didn’t feel any pressure and were given options that we could take and choose ourselves
    Andrew M.
  • It went as smoothly as it could go. Thank you Tanner.
    Julia B M.
  • Tanner was very accessible and communicated with me every step of the way!
    Camille A.
  • Tanner went above & beyond to make an extremely stressful situation as smooth as possible. His communication was consistent and mindful of my hectic schedule. When I didn't understand somethingRead more
    Jacquelyn A W.
  • Really informative and looking out for the best interests of his clients. If you’re willing to learn he can help you learn and think through all options for your loanRead more
    Kyle .
  • Tanner is exceptionlly professional. knowledgeable, communicative and friendly!!!
    Janice P.
  • Tanner was very thorough and dug deep to insure we got the best service & rates. He also stayed on top of events & made sure questions got answered, eventsRead more
    David Edwin H.
  • Tanner was so easy to work with and extremely responsive. He answered our questions and responded in a timely manner. He made the process extremely easy and less stressful.
    Sydney P G.
  • C&F and Tanner Howell going above & beyond to make it happen.
    Peter S.
  • Tanner went above and beyond to make this a pleasant experience
    Elizabeth R B.
  • Tanner answered any and all of my questions throughout the home buying process, and was available at a moment’s notice. He was honest without being judgmental. He responded promptly toRead more
    Alexandra J.
  • Tanner was very easy to talk to. He was available every time I needed help and explained things in a way that I could understand. He went above and beyond to make sure pur needs were met! Thank you Tanner!
    Teresa D.
  • Tanners ability to drop everything and give me advice. His persistence to keeping me on a schedule allowing myself to focus on other life issues. Last but not least feelingRead more
    Tyler M P.
  • Tanner was very responsive to our questions and never pressured any one route for us. We felt confident we were getting honest answers and that Tanner had our best interestsRead more
    Michelle C.
  • Quickly and profess
    Hieu Cao N.
  • He is strong support to clients and fasts
    Anh Thu T T.
  • transparent, timely, creative, responsive
    Richard F. P.
  • Tanner was nothing short of amazing! We’ll definitely be referring him to friends and family.
    Zachary W.
  • Tanner was great through the whole two year process of finding a house. He was quick to get back to me, answered all of my questions, and followed through with everything he said/ promised. 10/10
    Rand D.
  • Tanner was extremely helpful and patient
    Christine M.
  • Tanner and his whole team made this experience worry free and pleasant. When C&F needed some documentation, we were quick to complete those requests, so I have to sayRead more
    Paul M.
  • Awesome
    Harry O.
  • I have Really good experience for my first time home buyer .
    Phearom C.
  • Tanner was available very quickly as a resource when needed. He was knowledgeable and swift to find the answer if he wasnt sure. Pleasant to work with and great communication! 🙂
    Erika M.
  • Tanner was incredibly helpful and communicable throughout the entire process. I couldn't have asked for a better first-time home buying experience with his help!
    Stephanie W.
  • Tanner was extremely professional, knowledgeable, and went above and beyond to help with my refinance. I would absolutely recommend him to friends or family looking to refinance or purchase aRead more
    Crystal G.
  • Tanner was so patient and took his time to explain every detail to us.
    Brianna H.
  • I wanted to thank you for all of your help through this new and hectic process you have been nothing but great to us and we thank you so much.
    Kaleb K.
  • Tanner made the whole process extremely easy! He answered any and all questions in a timely matter, made sure we always understood what was going on, and just made theRead more
    Haley E.
  • The experience with tanner was wonderful. Any time we had a question he was there to answer no matter what time of day it was. He was very encouraging evenRead more
    Macky E.
  • Tanner is professional, timely, knowledgeable and a pleasure to work with. Hands down will use him again!
    Brian G.
  • The personal service that Tanner gave us. Dee also walked us through all of the items needed. Great experience
    Craig H.
  • Great experience and very easy to work with
    Daniel J.
  • Tanner was very friendly and there when we needed him!
    Debra R A.
  • Tanner has a great demeanor and was super available, often responding to questions after hours. The overall mortgage aplication was straight forward and being almost 100% online, was a breeze.Read more
    Sandra S.
  • Tanner was great to work with. He really made this process a breeze. He went the extra mile to get my loan where I wanted to be. I highly recommend him!
    Marlene B.
  • Very smooth process
    Charlotte O W.
  • Tanner was a pleasure to work with. He is timely, prompt and very professional.
    Lisa E.
  • Tanner is very knowledgeable, responsive, & personable.
    Colleen M M.
  • Tanner was hands down the best in communication, overall knowledge, compassionate and prompt about everything from the very beginning to the end. Tanner gave us hope and drive and wasRead more
    Alexandra M.
  • Level of communication, ease of electronic documentation review and level of commitment by all involved day, night and weekends. By far my best experience ever financing a mortgage.
    Christopher M. L.
  • Mr. Howell did an excellent job with our loan. Any mistake was explained and quickly rectified. I don't know when he had time to sleep, as he always seemed toRead more
    Eddy D.
  • He helped me through every obstacle with kindness and understanding. Made my buying process much less stressful than I had anticipated.
    Hilary B.
  • Tanner is easy to work with. and he mad sure i understood every document before i signed them. I felt like i was the only client he was working with. It was a pleasure having him in my conner
    Kevin C B.
  • Tanner stayed on top of everything. He kept me informed and made sure i understood every document that i signed before i signed them. It was great working with him.
    Kevin B.
  • Tanner worked with me, was patient and understanding, and made the process a lot easier than it would have been without him.
    Robert K.
  • Tanner is the picture-perfect mixture of personable & professional! He was very warm and welcoming throughout every step of the process for our refinance. His willingness to educate us onRead more
    Joey M.
  • Tanner was readily available to answer any and all questions we had. He answered them in a way that was beneficial to us and in our best interest, not necessarilyRead more
    Angelica M.
  • Was an easy experience.
    Justin P R.
  • Information was provided straightforward and in a timely fashion.
    Codie B G.
  • Tanner was super receptive and available to my many questions. Very happy with the experience.
    Robert P.
  • I had a person who transfer jobs in the middle of me purchasing and he did not do me any favors. However tanner howell took over and he was kind,Read more
    Crystal T.

Why C&F Mortgage?

Local Industry Expert

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.

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.

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?”

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 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?”


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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