Information on this website is not a commitment, this is my personal subjective opinion. The information on this website is for general information purposes only. Nothing on this site should be taken as legal, mortgage or real estate advice for any individual case or situation. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements, and final credit approval. For more information please call 804.549.3327. Karen Ramirez NMLS:1529247. Karen Ramirez is a loan officer with C&F Mortgage Corp. NMLS:147312. This is a personal blog.