Community Partners Product

Community Partners Product is sponsored by C&F Mortgage Corporation. Provides grants for down payment, closing costs, and homebuyer education to qualified public service employees, including veterans.

Innovative Financing Solutions : C&F Mortgage Corporation Innovative financing solutions C&F Mortgage products and programs At C&F Mortgage, 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. We have access to the financing solution to meet your individual needs!

C&F 7-Year Balloon with 30-Year Amortization, C&F 7-Year Balloon with 30-Year Amortization 270-day Extended Lock, C&F Permanent Rate Buydown & C&F Asset Depletion Product Low to no down payment options Fannie Mae HomeReady, Freddie Mac Home Possible, FHA, USDA, VA, Virginia Housing, FHLB Grant funds and Maryland Community Development Administration First-time homebuyer options Fannie Mae HomeReady, Freddie Mac Home Possible, FHA, USDA, VA, Virginia Housing, FHLB Grant funds and Maryland Community Development Administration Down payment assistance and grant fund options Virginia Housing, FHLB Grant funds and Maryland Community Development Administration.

Local state and city sources may have additional grant fund options available VA, Virginia Housing, FHLB Community Partners Product and Maryland Community Development Administration. Local state and city sources may have additional grant fund options available.

FHA 203k, Fannie Mae Homestyle and VA Renovation Click here to learn more >>> State housing finance agency options Virginia Housing and Maryland Community Development Administration Click here to learn more >>> Condo options are available on many of our loan programs. Contact us to learn more. Variable loan term options Variable loan term options are available on many of our loan programs.

Contact us to learn more. Manufactured housing options Primary, Second home and Investment property options Primary, second home and investment property options are available on many of our loan programs. Contact us to learn more.

Sometimes unique circumstances or challenging scenarios can push borrowers outside of traditional financing guidelines. Luckily, at C&F Mortgage we offer non-QM mortgage options that expand the financing solutions available to help make homeownership possible. Learn more >>> Looking for affordable housing finance opportunities?

Buying a home is one of the largest investments people will make in their lives, and C&F Mortgage is dedicated to providing innovative financing solutions to make this dream a reality. There are many affordable housing opportunities available to help make home financing more attainable.

C&F 7-Year Balloon with 30-Year Amortization This portfolio product, offered by C&F, provides the opportunity for homeowners to finance a higher-priced home at a lower rate for 7 years with a 30-year amortization. This allows the monthly payment to be lower than a 30-year fixed rate throughout the term of the loan and then the remaining balance is due and payable at the end of the 7-year term (known as a balloon payment).

Refinance options may be available for this remaining balance. This program is based on a 20% down payment with an initial period of 7 years amortized for 30 years. At the end of the balloon period, the balance is due and payable.

This is an excellent option for borrowers looking to lock into a lower rate for an extended period of time in a rising rate environment.

Up to $1,000,000 loan amount Single unit properties only Primary and second home options available 80% maximum loan-to-value | 70% maximum loan-to-value on second home Ability to use qualifying assets for income qualification regardless of borrower's age Streamlined application and approval process Fixed rate for 7 years with a balloon payment feature at the end of the 7-year term Property address required C&F 7-Year Balloon with 30-Year Amortization 270-day Extended Lock Within this product, C&F offers a 270-day extended lock option.

A mortgage extended lock is an opportunity to secure a specific interest rate for a period longer than the standard lock period, which is typically 30 to 60 days. This extended lock provides borrowers with protection against potential interest rate fluctuations during an extended timeframe, allowing them to secure a predetermined rate even if the loan closing takes more time. Extended lock available up to 270 days 0.

50 point due upfront and refunded at closing Property Address Required Option to float down C&F Mortgage product/rate prior to close Refundable . 50 Point may be used towards rate buydown View full product description under C&F 7-Year Balloon with 30-Year Amortization C&F Permanent Rate Buydown Looking for an opportunity to lower your mortgage interest rate in a rising rate environment?

C&F’s 7-year balloon with 30-year amortization product offers the ability for the rate to be permanently bought down by 1. 25% in rate. The cost of this is a below market fee of 2.

25 points which can be paid by the seller. For example, if the note rate is 6. 25%, the buydown would reduce the rate for the term of the loan to 5.

00%. This allows the monthly payment to be lower than a 30-year fixed rate throughout the term of the loan and then the remaining balance may be refinanced at the end of the 7-year term (known as a balloon payment). This program is based on a 20% down payment with an initial period of 7 years amortized for 30 years.

At the end of the balloon period, the balance is due and payable. Must meet qualifying criteria for the program Rate can be bought down by builder, seller or borrower Up to $1 million loan amount C&F Asset Depletion Product An asset depletion mortgage allows you to qualify for a mortgage by converting liquid assets into income.

This is a great option for borrowers who don’t have traditional sources of income and documentation like W2s, pay stubs, or tax returns, such as the self-employed, retirees, and high-net-worth individuals. This portfolio product, offered by C&F, provides the opportunity for homeowners to finance a higher-priced home at a lower rate for 7 years with a 30-year amortization.

This allows the monthly payment to be lower than a 30-year fixed rate throughout the term of the loan and then the remaining balance may be refinanced at the end of the 7-year term (known as a balloon payment). This program is based on a 20% down payment with an initial period of 7 years amortized for 30 years. At the end of the balloon period, the balance is due and payable.

Up to $1 million loan amount Single unit properties only Primary and second home options available 80% maximum loan-to-value on primary | 70% maximum loan-to-value on second home Ability to use qualifying assets for income qualification regardless of borrower's age Streamlined application and approval process Fixed rate for 7 years with a balloon payment feature at the end of the 7-year term Extended lock options available A conventional loan is a mortgage that is not part of a specific government program.

Homebuyers may choose a conventional loan because they offer the best interest rates and loan terms — usually resulting in a lower monthly payment. Homeowners may also choose a conventional loan if they have 20% to put down and avoid mortgage insurance.

As low as 3% down payment if first-time homebuyer As low as 5% down payment if not first-time homebuyer Ideal for borrowers with stronger credit history This program offers expanded eligibility guidelines to help borrowers achieve homeownership.

As low as 3% down payment Lower mortgage insurance (MI) options Flexible down payment sources Comprehensive homeownership education Income limits vary by location Freddie Mac Home Possible This program offers more options and credit flexibilities than ever before to help mid-to-low income borrowers attain the dream of owning a home.

As low as 3% down payment Lower mortgage insurance (MI) options Flexible down payment sources Comprehensive homeownership education Income limits vary by location 2-1 Buydown Mortgage product The 2-1 Buy Down Mortgage Product provides the opportunity for homeowners to temporarily lower the interest rate during the first two years in exchange for an upfront additional fee.

This loan program is favorable in a higher interest rate environment because it enables lower monthly payments during the first 2 years.

Year 1: In the first year, the interest rate is 2% lower than the note rate Year 2: In the second year, the interest rate is 1% lower than the note rate Year 3 & Beyond: Once the first two years are completed, interest is calculated at the note rate Borrower must qualify at the note rate Standard agency guidelines apply Only seller funds can be used to buy down the interest rate Borrower funds cannot be used Eligible on Conventional, FHA, and VA loans Primary, single family residence only The Federal Housing Administration (FHA) offers flexible lending programs that provide mortgage solutions to qualified borrowers.

As low as 3.

5% down payment Purchase and refinance options available Monetary gifts from family accepted toward down payment, closing costs, discount points, and other prepaid expenses allowed Good Neighbor Next Door Program (GNND) allowed (only available on FHA REO properties) This loan program is offered through the Rural Housing Service, an agency of the U.S. Department of Agriculture, and is designed to assist low and moderate income residents by providing better access to affordable housing finance options including little out-of-pocket costs in eligible areas.

No cash reserves requirements Closing costs can be financed if certain requirements are met No first-time homebuyer requirement Property must be primary residence Income and credit restrictions apply Limited to "rural" areas as designated by USDA This loan program is a government lending option designed to make homeownership affordable for qualified US veterans or surviving spouses.

Up to 100% financing (purchase only) No monthly mortgage insurance No first-time homebuyer requirement Gift funds acceptable for closing costs A variety of terms or loan types available FHA 203(k) loans are backed by the Federal Housing Administration (FHA) and designed to help borrowers finance a home that needs significant repairs.

Used for remodeling and repairs Loan amount based on the lesser of as-completed value of the home or sales price, plus the total cost of renovation Requires only 3.

5% down payment Allows monetary gifts from family Minimum renovation of $5,000 for Standard (Maximum based on project specifications) Maximum renovation of $75,000 for Limited (No minimum) Allows for the financing of all improvements that are fixed on the property that add value, including luxury items permanently attached such as swimming pools and patios (cannot exceed 75% of as completed value).

Primary, second home or investment property Requires as little as 5% down on primary residences and 10% down on second homes and investment properties Allows VA qualified borrowers to borrow up to 100% of the lesser of the sales price plus repairs or the “after approved” value of the home If borrowers are building a new home, C&F has access to all the tools they’ll need: lot loans, construction financing, permanent mortgage, and local industry experts to facilitate the entire process.

Contact us to learn more! C&F Two-Time Close Construction Loan Program A 2x construction to permanent loan provides funding for both the construction and subsequent permanent financing of a home. The loan initially covers the construction phase, and upon completion, converts into a long-term mortgage.

Low construction rate and loan fees Interest-only payments during construction Up to 90% financing available (loan amount restrictions apply) No mortgage insurance required during the construction phase Jumbo, rehab and second home options available Use your current land as equity for down payment Lot loans up to 70% loan-to-value with multiple term options and competitive rates C&F One-Time Close Construction Loan Program This portfolio product, offered by C&F, provides the opportunity for homeowners to finance both the construction of their dream home and the permanent financing through a one-time streamlined loan closing.

This program offers a 12-month construction term, followed by a 30-year amortized permanent mortgage with a 7-year balloon.

* At the end of the construction phase, the borrower may have the option to: Modify to a permanent secondary market fixed rate mortgage at the current market rate Or, remain as a 7-year balloon product – loan must be paid off or refinanced at the end of the 7-year term This product is an excellent option for those looking to build their dream home.

One-Time Close Construction to Permanent loan with option to roll to permanent 7-year balloon OR modify to secondary market fixed rate mortgage at current market rate once construction is completed 90% Loan-To-Value up to conforming high balance loan limit on primary residence only 80% Loan-To-Value up to $1 million loan amount on primary and secondary residence 70% Loan-To-Value $1,000,001 to $1.

5 million loan amount on primary residence only Modification to secondary market fixed rate mortgage only applies on loan amounts up to conforming high balance loan limit Monthly mortgage insurance required on Loan-To-Value over 80% Interest-only payments during construction * C&F 7-Year Balloon: This program is a 30-year amortized permanent mortgage with a 7-year balloon.

This allows the monthly payment to be lower than a 30-year fixed rate throughout the term of the loan and then the remaining balance is due and payable at the end of the 7-year term (known as a balloon payment). This program is based on a 20% down payment with an initial period of 7 years amortized for 30 years. Refinance options may be available for this remaining balance.

Download Customer Brochure Download Builder Brochure This is a loan when the loan amount exceeds the conforming loan limits set by the government. Contact us to learn more about our specific Jumbo options. Loans up to $3 million on primary residences Loans up to $2 million on second homes Financing on 1-unit investment properties 90% LTV on loans up to $900k (mortgage insurance required; 1-unit primary only) 89.

9% LTV - no MI required on loans up to $1 million (1-unit primary only) Financing on condos available Cash-out refinances and ARMs available C&F Mortgage is a Top Virginia Housing Lender. Virginia Housing offers affordable housing opportunities for Virginians who otherwise might not be able to afford quality housing. The Virginia Housing Conventional loan provides affordable financing for first-time and repeat homebuyers.

As low as 3% down payment required Affordable monthly payment Helps existing homebuyers “move up” As low as 1% down with Virginia Housing DPA Grant Could help to reduce existing mortgage payment Available for first-time and repeat buyers Eligible for Virginia Housing’s Down Payment Assistance grant (DPA) (restrictions apply) Eligible for Mortgage Credit Certificate (MCC) (restrictions apply) Available for limited cash-out transactions as well as purchases Eligible for Virginia Housing’s Plus Second Mortgage.

Conventional No Mortgage Insurance (MI) Product The Virginia Housing Conventional No Mortgage Insurance (MI) loan provides affordable monthly payments, with no mortgage insurance required.

As low as 3% down payment required Affordable monthly payment Helps existing homebuyers “move up” As low as 1% down with Virginia Housing DPA Grant Could help to reduce existing mortgage payment Monthly payment is lower than other government/conventional loan programs No monthly mortgage insurance requirement Available for first-time and repeat buyers Eligible for Virginia Housing’s Down Payment Assistance grant (DPA) (restrictions apply) Eligible for Mortgage Credit Certificate (MCC) (restrictions apply) Available for limited cash-out transactions as well as purchases Virginia Housing offers several types of federal government loans for first-time homebuyers.

These loans are eligible for Virginia Housing grants that reduce the out-of-pocket expenses for qualified borrowers. Homebuyers who qualify for one of these loans may also take advantage of Virginia Housing’s Mortgage Credit Certificate program. As low as 3.

5% down payment Liberal credit qualifying As low as 1% down with Virginia Housing DPA Grant Eligible for Virginia Housing’s Down Payment Assistance grant (DPA) (restrictions apply) Eligible for Mortgage Credit Certificate (MCC) (restrictions apply) Eligible for Virginia Housing’s Plus Second Mortgage Virginia Housing offers several types of federal government loans for first-time homebuyers.

These loans are eligible for Virginia Housing grants that reduce the out-of-pocket expenses for qualified borrowers. Homebuyers who qualify for one of these loans may also take advantage of Virginia Housing’s Mortgage Credit Certificate program.

As low as 0% down payment Liberal credit qualifying Eligible for Virginia Housing’s Closing Cost Assistance (CCA) grant Eligible for Mortgage Credit Certificate (MCC) Virginia Housing offers several types of federal government loans for first-time homebuyers. These loans are eligible for Virginia Housing grants that reduce the out-of-pocket expenses for qualified borrowers.

Homebuyers who qualify for one of these loans may also take advantage of Virginia Housing’s Mortgage Credit Certificate program.

As low as 0% down payment Eligible for Virginia Housing’s Closing Cost Assistance (CCA) grant Eligible for Mortgage Credit Certificate (MCC) Virginia Housing Plus Second Mortgage The Virginia Housing Plus Second Mortgage eliminates the down payment requirement for qualified first-time homebuyers by pairing an eligible Virginia Housing first mortgage with a Virginia Housing second mortgage to cover the down payment.

Eliminates funds needed for a down payment Helps to keep total mortgage payment affordable Could eliminate funds needed at closing Increases homeownership for first-time and specific repeat buyers Higher income limits assist buyers who don’t qualify for grant funds Can be paired with Mortgage Credit Certificate (MCC) program Closing Cost Assistance (CCA) Grant The Closing Cost Assistance Grant reduces the out-of-pocket expenses for borrowers applying for either a Rural Housing Service (RHS) or Veterans Affairs (VA) loan.

This grant makes these 100% financing programs even more affordable. Could eliminate funds needed for closing Can be paired with Mortgage Credit Certificate (MCC) First-time buyer required Down Payment Assistance (DPA) Grant This grant program gives qualified first-time homebuyers a percentage of their purchase price to be used toward the down payment. Receive up to 2.

5% of the purchase price for FHA loans or 2% for Fannie Mae Borrower must contribute at least 1% of the sales price (money can come from a gift) Can be used with Virginia Housing Fannie Mae, Virginia Housing FHA & Virginia Housing MCC programs Cannot be combined with VA, USDA, Plus Loans, Virginia Housing Conventional bond or other down payment assistance programs Virginia Housing Mortgage Credit Certificate (MCC) C&F Mortgage has been given the opportunity as one of a limited amount of lenders that can take advantage of Mortgage Credit Certificates (MCC) through Virginia Housing.

The MCC is a certificate issued that allows homebuyers to claim a dollar-for-dollar tax credit during a given tax year. This credit is applied to the borrower’s annual federal tax liability based on a percentage of the mortgage interest paid.

Annual credit is equal to 10% of the annual mortgage interest paid MCC is effective for the life of the mortgage, as long as requirements are met and the loan is not refinanced Could lower federal income taxes owed No cost to homebuyer to receive Helps reduced cost of homeownership First-time homebuyer (unless purchasing in a targeted area) Standard income limits apply, must include all household member income Standard sales price limits apply Eligible on NON-BOND loans ONLY FHLB Down Payment Assistance and Grant Funds Through our partnership with the Federal Home Loan Bank (FHLB), we are proud to offer these grant funds to be used toward your down payment or closing costs.

First-Time Homebuyer Program To help you get your homeownership journey started, this grant program can assist first-time buyers in accessing funds for down payment and closing costs incurred when purchasing a home. Funding is available to qualified first-time buyers.

Up to $17,500 in grant funds Available for qualified first-time homebuyers (or homebuyers who have not owned a home in the past 3 years) Must contribute at least $1,000 toward the purchase of the home Must occupy the home as the primary residence for at least five years Complete a homebuyer education and financial literacy course specified by the FHLBank Atlanta All funds available on a first come first serve basis Properties in certain counties in Virginia, Maryland and North Carolina Community Partners Product Through our partnership with the Federal Home Loan Bank of Atlanta, we are proud to offer down-payment and closing cost assistance to those who spend their lives assisting others.

Up to $20,000 in grant funds No first-time buyer requirement Available for qualified current or retired law enforcement officers, educators, healthcare workers, firefighters, other first responders, veterans and active-duty military, or their surviving spouse who are purchasing a home Must contribute at least $1,000 toward the purchase of the home Must occupy the home as the primary residence for at least five years Complete a homebuyer education and financial literacy course specified by the FHLBank Atlanta All funds available on a first come first serve basis Properties in certain counties in Virginia, Maryland and North Carolina FHLB Workforce Housing Plus+ Program The FHLB Workforce Housing Plus+ grant program is intended to help with rising home prices and inflation by providing down payment and closing cost assistance to homebuyers.

Borrowers who qualify are eligible to apply and receive up to $15,000 in grant funds. Up to $15,000 in grant funds First-time and non-first-time homebuyers buying a primary residence Income limits between 80.

01% up to 120% of area median income (AMI) Income cannot be under 80% AMI $1,000 minimum contribution with a maximum of $250 cash back at closing Chase Community Lending Program The Chase Community Lending Program was created to help underserved customers by offering a 1. 50 point pricing incentive on conventional loans originated in communities they have designated as underserved communities.

This program can significantly improve pricing to help increase qualification and save money for borrowers. 1. 50 point pricing incentive on conventional loans Must be in designated census tract As low as 3% down payment options available Flexible income limitations Sometimes unique circumstances or challenging scenarios can push borrowers outside of traditional financing guidelines.

Luckily, at C&F Mortgage we offer non-QM mortgage options that expand the financing solutions available to help make homeownership possible. Credit scores starting at 720 Available only on Platinum Primary SFD, condo, or 2 unit Min loan $250,000 / Max $2,000,000 BK / FC seasoning 7 years One year tax return available This mortgage product is for foreign nationals wanting to purchase or refinance a home in the United States.

This is a DSCR program with a 1:1 ratio on cash flow. This means that this loan is incredibly easy to do – no income or U.S. credit required to qualify.

Maximum LTV of 65% for cash out No foreign or U.S. credit score needed A DSCR program with a 1:1 ratio on cash flow Assets sourced and seasoned for 60 days – must be in a U.S. FDIC insured bank for 12 months reserves required and must be in a U.S. bank ACH auto-payment is required Cannot reside in the United States Loan amounts up to $1.

5 million, minimum loan amount of $100,000 Created for self-employed borrowers to purchase or refinance. Since tax returns are not required, this could be a great option for credit worthy self-employed homebuyers!

Credit scores starting at 640 Two years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu Loans up to $3 million with a minimum of $150,000 Two years self-employed required Non-warrantable condos allowed Purchase and cash-out or rate-term refinance 12 or 24 months business bank statements (must own at least 50% of the business) 12 or 24 months personal bank statements (must own at least 25% of the business) Owner-occupied, second homes and non-owner occupied Perfect for Borrowers With High Net Worth and Significant Assets No employment, no income, no DTI Credit score 700 or higher 5 years seasoning for foreclosure, short sale, or bankruptcy Recurring monthly debt multiplied by 60 months Funds to close and 6 months reserves *Borrowers must have at least $500,000 in post-closing assets.

See program guidelines for complete details. The goal of this program is to boost homeownership amongst underserved and underbanked communities. A No Ratio mortgage is a financing solution that can make the dream of homeownership real, even without the standard documentation needed for a traditional mortgage.

This flexible loan option is available when purchasing or refinancing primary or secondary homes. Good Option for Borrowers who are: ● Influencers, artists, vloggers ● Online or cash-based business owners ● Have good credit history but may be carrying larger than normal debt ● No income or employment documentation required ● Up to 80% LTV allowed, min.

720 FICO ● Owner-occupied & second homes ● First-time homebuyers welcome ● Cash-out may be used as reserves (4 months of borrowers’ own funds to be documented) Property Investors Can Build Their Portfolios Faster With Our Investor Cash Flow Program. Qualification based on property cash flow DSCR 1. 00 – 0.

85 minimum 700 No DSCR needed with minimum 700 FICO and max 75% LTV Credit scores starting at 680 No personal income / no employment needed 40 year fixed rate interest only available Loans up to $1.

5 million, $100K minimum No limit on total number of properties Purchase and cash-out or rate-term refinance Properties can be in LLC’s name Non-warrantable condos allowed *DSCR – Debt Service Coverage Ratio: Rent / Mortgage The demand for condos is increasing and getting approved for a loan is easy when you work with us!

Up to 75% LTV purchase, 65% LTV refinance Credit scores starting at 700 Loans up to $1 million, $150K minimum Up to 100% investor concentration New construction: minimum 25% sold & closed High and low rise condos acceptable Can qualify on all AOMS loan programs Owner-occupied, second homes, and investment properties The “Just Missed” Borrower Can Qualify Using Our Non-QM Jumbo Solutions. Our Jumbo Program Helps You Close More Loans!

Credit scores starting at 660 Four years seasoning for foreclosure, short sale, bankruptcy or DIL Owner-occupied, second homes and non-owner occupied Purchase and cash-out or rate-term refinance 40 year fixed rate interest only available Individual Tax Identification Number (ITIN) loans are for borrowers who do not have Social Security numbers.

Borrowers with ITIN cards can qualify for a mortgage as long as they meet the eligibility requirements. This loan product is a full doc non-QM mortgage offering flexibility for individuals residing in the U.S. without requiring a Social Security card. Credit Scores down to 620 & No Score allowed Valid Government Photo and ITIN Card 50% Minimum Down from Borrower.

Doc Type: Full Doc, Bank Statements (12 months), 1099 or P&L Only (12 months) Only 1 Year Self-Employment A full-doc product that offers borrowers all the flexibility, features and benefits of non-QM programs.

Credit scores starting at 600 One year seasoning for foreclosure, short sale or deed-in-lieu Two years seasoning for bankruptcy Purchase and cash-out or rate-term refinance Owner-occupied, second homes, and investment properties Non-warrantable condos allowed 40 year fixed rate interest only available This is a great loan for a self-employed borrower who is a 1099 earner who cannot qualify for a full doc mortgage loan.

Even better is that we will look at the most recent 1099 statements from one to two years ago!

Up to 90% LTV with a 700 FICO Minimum FICO is 600 (Up to 70% LTV) Provide the last one or two years of 1099’s with a YTD earnings statement, or, YTD bank statements Purchase, rate and term and cash out Borrower’s must be self-employed (1099) for last two years with the same company Owner occupied, second homes and investment Lower Your Monthly Payments With an Interest Only Home Loan.

Scores starting at 680 up to 85% Interest Only 40 year term (10 yr I/O then 30 year amortization) Loan amounts from $100,000 up to $3,000,000 Full Doc, Bank Statements or Property Cash Flow available Owner occupied, investment property and second homes A DSCR loan, or debt service coverage ratio loan, is a type of mortgage used for purchasing short-term or long-term rental investment properties.

With a DSCR loan, borrowers can qualify for a mortgage based on a property’s rental analysis. No personal income or employment information is required to qualify. Debt service coverage ratio or DSCR is a measurement of a property’s expected cash flow to determine ability to repay a mortgage loan.

It is calculated by dividing the borrower’s net operating income by their debt obligations, including the debt payment.

Loans up to $3 million with a minimum of $100,000 Qualification based on property cash flow No personal income or employment information required Properties can be in LLC’s name Purchase and cash-out or rate-term refinance 30-year interest only available Non-warrantable condos allowed Non-permanent residents allowed Short-term rentals allowed The information contained herein (including but not limited to any description of the company and its lending programs and products, eligibility criteria, interest rates, fees and all other loan terms) is subject to change without notice.

Restrictions apply. This is an advertisement and not a commitment to lend. C&F Mortgage Corporation NMLS# 147312 Equal Housing Lender.

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. Start your education journey Affordable Housing Opportunities