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C&F Mortgage is focused on supporting you and your clients.

We are here to help provide a seamless mortgage experience from start to finish.

We offer competitive mortgage solutions with a commitment to exceed your expectations.

Years Focused on You


Customer Satisfaction Rating

Families Supported

Total Closed Loans ($)

Choose a C&F Loan Officer that’s right for you and your clients!

Scan the qr code below to download the lo’s partner app. once downloaded you can share directly with your client as a cobranded mortgage app.

To help you get to know these loan officers better, we asked them to answer the following questions.

Q. Describe yourself using 3 words or less.
Q. Are you more introverted or extroverted (1-5)?
Q. What is your main hobby outside of work?
Q. Years of mortgage or real estate experience.

Chambers-Miltenberger Team

Brett Chambers & Bryan Miltenberger

NMLS# 1428257 | 2043530


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A. Completive | Dependable | Loyal
A. 3
A. Golf | Working Out
A. 8

Charles Merrill

Sr. Loan Officer / VP / Sales Manager

NMLS# 219118


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A. Caring | Fun | Positive
A. 2
A. Being Outdoors | Clay Shooting | Hunting
A. 25

Chris Owens

Branch Manager

NMLS# 211853


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A. Energetic  Dedicated | Honest
A. 5
A. Family | Fishing | Music
A. 23

Kristina Kovtunova

Loan Officer

NMLS# 2063212


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A. Happy | Adventurous | Brutally honest
A. 4
A. Skiing | Hiking
A. 3

Lynn Bossi-Kinsel

Loan Officer

NMLS# 259819


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A. Knowledgeable | Empathetic | Tenacious
A. 4
A. Traveling
A. 30+

Neil Morrissette

Loan Officer

NMLS# 1492910


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A. Practical | Intuitive | Ambitious
A. 4
A. Poker
A. 5

Phillip Coon & Thomas Milano Team

Loan Officers

NMLS# 311078 I 1385034


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A. Competitive | Industrious | Motivated
A. 5
A. Hunting | Fishing
A. 15

Yeatman-Cleary Team

Tyler Yeatman & Jack Cleary

NMLS# 1009572 l 1549160


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A. Balanced | Sarcastic | Driven
A. 4
A. Fishing
A. 10

Why Choose C&F?

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.

The information contained herein (including but not limited to any description of C&F Mortgage Corporation 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. Entities listed are not affiliated, consumers may choose to use them individually. C&F Mortgage Corporation NMLS# 147312 ( Equal Housing Lender. 1400 Alverser Drive | Midlothian VA, 23113