944 Glenwood Station Ln
Charlottesville, VA 22901

2704 Lake Monticello Rd Palmyra, VA 22963

Phone: (434) 989-2274
Fax: (434) 974-6870

A subsidiary of
Citizens & Farmers Bank
Established 1927

Low Rates, Quality Service. Three Ways to Apply.

Carl Heimlich and C&F Mortgage—Central Virginia's most trusted mortgage team.
A tradition of service and experience—focused on you.

Uncertain how the loan process works or what is needed to properly apply?
Download this free guide to learn how.

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CALCULATOR: Calculate your Mortage with Carl's Online Mortagage Calculator

What Clients are Saying About our Carl

Top Notch--In a League of His Own
The personal service we received from Carl was exceptional--he was very honest with us and gave us the best options for our loan. He has gained our trust and respect. We were very fortunate to have found him--he is in a league of his own, which is top notch! We will recommend him to all our friends and clients.
--Mike and Monica Viera
 

Hard Working.
I just wanted to let you know how much I appreciate all you have done for my husband and I!! The moment we spoke to you about refinancing you were hard at work, researching and finding the best solution for our needs...For our busy family of four, you have had an enormous impact on our lives...I can't believe how quick and smooth this transaction went! You and your staff made such an effort, showing how much you care by looking out for our best interests. Thanks so much for everything, and I will highly recommend you and your excellent staff!!
--Ken & Desiree MacGregor

Professional with a Can-do Attitude
Carl was very professional with a can-do attitude from the start. I had done my homework before meeting him, so I knew what to look for. Carl knew his stuff. I shopped other brokers and none could touch him He was always in the office even on weekends. (I know 'cause I called him on 2 different weekends.)
--Arthur Mills

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Who is Carl Heimlich?

A Fluvanna County resident since 1998. A husband and father of two great kids, Carl is committed to providing simple solutions for your mortgage problems. From new home buyers, to refinancing, to folks seeking a fresh start, Carl has successfully provided service to hundreds of satisfied clients in Charlottesville and the surrounding areas.

Who is C&F Mortgage?

C&F Mortgage is a wholly-owned subsidiary of Citizens and Farmers Bank serving fourteen markets throughout the states of Virginia, Maryland, Delaware and North Carolina.

They offer a variety of mortgage solutions to serve our customers' needs. Whether for a purchase or refinance, C&F Mortgage has the most competitive products and pricing available.

The service and state-of-the-art technology is what really distinguishes C&F Mortgage.

For more information, call toll free 1-888-339-8300 or visit their website at www.cfmortgagecorp.com

Where is Carl located?

Carl has two great locations to serve you. Click here for details and directions.