Charles Merrill

Charles Merrill

Sr. Mortgage Loan Officer, NMLS# 219118

  • 1400 Alverser Drive
    Midlothian, VA 23113
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The loan officer you work with can make or break your mortgage experience. And because there is a lot riding on your choice of home financing, we don’t take our jobs lightly at C&F Mortgage Corporation.

As a customer of ours, you can expect sound guidance from a skilled, experienced professional. Our licensed loan officers receive extensive training and are required to fulfill continuing education to stay at the top of their field. From pre-qualification to loan closing, you’ll receive legendary service from a local lender who provides you with accurate, up-to-date financing options that best fit your needs. Your loan specialist will take responsibility for personally seeing your loan processing through to completion, while promptly and respectfully responding to any questions along the way.

C&F loan officers are determined to help you reach your homebuying or refinancing goal as quickly and as economically as possible. The result is a custom-built mortgage that you can feel confident about.

  • Charlie was absolutely amazing to work with. He always took the time to explain things to me in a way that allowed me to make the best decisions possible. My case was a complicated one and took 10 months to close. Charlie and his team were patient, kind, rock stars.

    B. Arthur

    2016 Purchase

  • He was a pleasure to work with. This was my first home purchase and he walked me through everything and explain things clearly. Buying a home can be very stressful, but he was always there to answer questions and follow up with what was needed. So I can say my first home purchase wasn't as stressful thanks to him. I would recommend him to anyone looking to purchase or refinance a home!

    K. Parker

    2016 Purchase

  • First and foremost, Charles is just a great guy who is very easy to talk to, easy to communicate with and truly make you feel like a friend instead of just an application throughout the loan process. Any loan officer that will take a call at 10pm is one that you want on your side. There were times when he had to play more of a therapist than a loan officer to get us through the frustration home loan industry. That all being said, Charles navigated us through a VERY complicated VA Loan application from pre-approval to closing. Being a self-employed Veteran, the process was far from run of the mill, but he got it done! I would strongly recommend Charles to anyone looking for a new loan or to refinance one.

    R. Marotta

    2016 Purchase

Know your numbers

Use these handy resources to determine your anticipated homebuying costs, based on the interest rate, down payment, and other variables of your unique situation.

Don’t know your interest rate?

Interest, the charge paid for borrowing money, is calculated as a percentage of the amount borrowed. Because interest rates fluctuate daily, sometimes hourly, the best way for you to obtain your ideal rate is to contact an experienced C&F Mortgage loan officer in your area.

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