At C&F Mortgage, rest assured we are focused on you. C&F was built on the simple truth that when we pay attention to people and the community, we can make a difference. We are here to guide you on your pathway to home financing from start to finish.
Contact us today to learn more about the mortgage process and how we can work together on your journey to home financing.
Customer Reviews
Seamless
5.00
Corey S.
August 26, 2024
Danny and Anne were very professional and patient with all of our questions and took the time to educate us regarding all of our options.
5.00
James M.
August 24, 2024
Stress free
5.00
Dale J.
August 22, 2024
Danny and Anne were fantastic - they worked through a very difficult situation with optimism and determination.
5.00
Jacob S.
August 12, 2024
Seamless!
5.00
Susan N.
July 24, 2024
Danny and his team were exceptionally responsive and helpful for the entire process. All of my questions were answered, I was provided with several more options than my previous lender provided, and I never felt rushed or uninformed
5.00
Michael J.
June 23, 2024
Great experience. Danny and his team did a great job for me!!
5.00
John W.
May 17, 2024
Excellent effort and teamwork by everyone!
5.00
Mami D.
May 07, 2024
Danny and his team were always available to answer any questions I had and very informative and quick to respond to any and all inquiries that arose during the home buying process.
5.00
Roman M.
April 21, 2024
Danny was very personable and great to work with!
5.00
Mason G.
March 19, 2024
Thank you for being so wonderful and gracious to me during the entire process!” “Thank you from the bottom of my heart for all of your help to get theloan and for assisting us with all of the papers. It has been a pleasure to work with all of you!” “You will always be my go-to!”Read more
5.00
Shaaib M.
February 01, 2024
It was made easy .
5.00
Daniel A.
November 21, 2023
Danny & Anne was hands down the best ever! Very supportive & knowledgeable about 1st time home-buyer experiences and helps their clients close with best possible solution for such a huge purchase!
5.00
Jessica W.
November 10, 2023
I had a great experience working with Danny. He was very helpful, understanding and professional.
5.00
Mayssoun M.
August 13, 2023
Amazing and fast
5.00
Nadine A.
August 07, 2023
Danny and his team do a great job!
5.00
Robert S.
August 06, 2023
This is the best company I have ever worked with, and I appreciate everything they have done for me.
5.00
Mohammad A.
August 06, 2023
We had a great experience working with Danny and is team. They were very responsive, professional, and consultive throughout the entire process. Very happy and will return in the future!
5.00
Winston C.
July 31, 2023
Extremely easy, very respnsive
5.00
Timothy N.
July 07, 2023
Danny and his team were extremely. professional, helpful, knowledgeable, courteous, friendly and made the process very stress free. We have worked with Danny before and we feel there is noreason to go anywhere else, we always look to him for our mortgage needs.Read more
5.00
Carolyn O.
February 23, 2023
Super fast!
5.00
Jane Diane S.
February 23, 2023
The app and service team kept us on track. The process was super efficient which is refreshing. Danny and team always felt like a partner and that they were truly working for us to get the best possible loan.
5.00
Jonathan N.
February 07, 2023
All my questions were answered clearly, and in a timely manner.
4.50
Charles Anthony M.
December 08, 2022
Danny took my calls and answered my emails in a timely manner, and Danny truly gave me advice and guidance that helped me navigate this process.
5.00
Eric P.
November 29, 2022
Everyone on the team is amazing and helpful. They helped the process go very smoothly!
5.00
Lisa L. H.
November 16, 2022
SimpleNexus is a great tool.
4.50
Taylor S.
October 28, 2022
Professional, courteous and timely service consistently!
5.00
Sandra A. H.
September 18, 2022
Danny was very knowledgeable, experienced and I felt as if he was working just for me. I would send anyone I know to him to talk about and set up their mortgage for their home.
5.00
Tracy Harrington H.
July 28, 2022
Excellent service from start to completion!
5.00
James M. E.
July 23, 2022
I have been navigating a horrible divorce and Danny was the only person who was even willing to try to help me. He worked tirelessly to help me refinance andmaintain possession of all 3 of the rental properties and some land at Lake Anna from my divorce. Danny is calm, patient, very kind, and knows how to get things done. I really cannot say enough positive about him.Read more
5.00
Michele Thomasina D.
July 08, 2022
Danny was super helpful and available at any time to assist with any questions we had. He provided great insight and made the process very simple for a first timehome buyer. I will definitely be using Danny for all of my loan needs in the future.Read more
5.00
Kevin M M.
July 06, 2022
From start to finish, Danny and his team at C&F upheld the highest level of standards for my husband and I. This was our first time buying a home sowe really didn’t know what to expect. Danny and his team explained everything we needed to know right off the bat, up front, and incredibly detailed and thorough, basically like an instruction manual for the entire loan process! If I had any questions, I was able to send an email to them and within minutes, I had a response. I have heard that buying a home can be one of the most stressful times in anyones life, but C&F made it a BREEZE! I can’t say enough positive things about this.. it was truly a wonderful experience. We will be sending everyone who asks over to Danny for all their lending needs. 10/10, gold star, 100%, A++ and any other stellar ratings for this company and its employees.Read more
5.00
Julianne D.
June 16, 2022
Easy to work with, always communicated clearly!
5.00
Brennan W.
June 13, 2022
Everyone was very helpful, quick to respond, and easy to work with!
5.00
Sherry Thomas W.
June 11, 2022
Communication was good and the app made the process so smooth.
4.50
Anna Elizabeth K.
May 20, 2022
Great service!
5.00
Christopher Alexande C.
May 08, 2022
Danny is very thorough and timely in responding.
5.00
Earl Richard R.
April 25, 2022
Everything
5.00
Gavin Todd Daniel J.
April 19, 2022
Danny was very timely in all steps of this refinance process, brought a wealth of experience and insight, was proactive in looking at different loan options, and has a friendly and helpful staff!
5.00
Jamison W.
March 22, 2022
Anne Clarke Vandeweghe!
5.00
Harold Lester E.
March 15, 2022
Danny took the time to answer all of my questions in a more than reasonable time frame. Danny completed a lot of the paperwork within hours upon request and tookus through the process step by step with detailed explanation so there would be no surprises. Danny and Anne were amazing with helping us buy our very first home…our now forever home.Read more
5.00
Ross Brandon H.
March 08, 2022
Danny is the Man! In today’s market, it is absolutely critical to have lender that can deliver on their promises. Danny and his team (big shoutout to Anne Vandeweghe) weretransparent, quick to respond, and did everything in their power to keep me on track to close within my 30-day closing window. In fact, we got the clear to close far in advance of my closing day. Danny even went out of his way to contact selling agents and portray my excellent financial standing. I couldn’t have asked for a more pleasant experience, especially as a first-time homebuyer.Read more
5.00
Cooper James C.
February 10, 2022
Great service and quick communication.
The only negative was that Bay Title did not wire distributions. They did, however, overnight materials to me.
5.00
Athalie J L.
January 29, 2022
Danny kept me informed on the status of my loan and also educated me on the different options we had until we found the one that would work best forme. He was always quick to reach out to me and quick to respond as well. I’m very grateful for his assistance and expertise.Read more
5.00
Tessa Elizabeth M.
January 11, 2022
Communication and ease of sending documents
5.00
Deborah B.
January 03, 2022
Being from out of town, Danny and the C&F teams was wonderful. For two months we was check on until we found a home.
5.00
Arthur L W.
December 24, 2021
Danny was thorough and answered all of our questions throught the process. This is the second time we have gone through a refi with Danny and he's been awesome. Thanks!
5.00
Matthew H.
December 17, 2021
Danny was super responsive, and Anne was excellent guiding the process, too. Down the line, things were a bit delayed (appraisal and IRS, ie outside parties), but communication remained solid.In the last phase, we had a bit of misunderstanding re: documenting my income/assets, but Danny was very sharp and quick realizing what info he needed to gather to get us on track.Read more
4.66
Barbara M S.
December 13, 2021
The overall support, patience, guidance through the process with courtesy and treating me like family.
5.00
Deanna Makishma E.
December 05, 2021
Danny was incredible and made the loan process happen in a timely manner. We wouldn't choose anyone else!
5.00
Jonathan H E.
December 03, 2021
It was very great Danny help me The whole process approaching my home
5.00
Jennifer P.
November 28, 2021
Good Communication. All the paper work was done without any mistakes. The whole process took a very short time. Job well done.
5.00
Martha K.
November 19, 2021
He was easy to talk to. He made any (what I assumed to be) stumbling blocks, seem easy to overcome.
4.83
Bryan G W.
November 19, 2021
Danny was very communicative and always made us feel that we were being taken care of.
5.00
Peter Kairu G.
November 18, 2021
When I was asked for documentation I didn't get enough information about what I was supposed to be trying to prove. It held up my loan approval. If it had been explained to me I could have provided it faster.
4.50
Sandra W D.
October 30, 2021
Very responsive, calling immediately upon request and working quickly to develop a better offer than other lenders.
4.83
Mary Pamela W.
October 27, 2021
Danny and his crew hands down are the best
5.00
Jay Lindell W.
October 20, 2021
Danny was great and willing to answer all my questions/concerns.
5.00
Betty Jo N.
October 07, 2021
Danny is great to work with, very responsive and always a pleasure to talk to. Thanks Danny
5.00
Baron Maxwell W.
September 22, 2021
Had a friend buying house same time as me my process was a piece of cake compared to hers I'm glad I chose C & F Mortgage versus going with the first lender that approved me
5.00
Jolisa Marie W.
September 16, 2021
This is my 4th time using Danny for mortgage loans and refi and it always goes smoothly!
5.00
Raymond E J.
September 13, 2021
All communication was prompt and straight-forward.
5.00
Stephen M W.
September 10, 2021
Danny and his entire staff that worked on my loan were exceptional. They kept me informed, did whatever was necessary to make this loan process as painless as possible. Thiswasn't the first time I had a mortgage loan but, this was certainly the best experience I've had in as many years. I highly recommend C&F and Mr. Murphy if you are in the market for a mortgage.Read more
5.00
Daniel D.
August 24, 2021
Danny and his team were quick to respond to any and all questions. All documents that I submitted were reviewed and my file was updated very quick. I didn’t knowif it was going to be possible to put in a contract and close within 30 days, but they made it happen. Wonderful to work with.Read more
5.00
Laura J B.
August 24, 2021
It’s the circumstances of my personal situation, this took months to complete
5.00
Dione Y T.
August 19, 2021
Quick, efficient, no BS
5.00
Philip Brian C.
August 18, 2021
Danny was amazing to work with! Very communicative and prompt!
5.00
Breann R.
August 14, 2021
It was easy and i didn't have to resubmit the same paperwork over and over again.
5.00
Rebecca M.
August 10, 2021
Danny and his team were very informative and patient with me, given that I was a first time home buyer. I especially appreciate them giving me other loan options whenmy salary adjusted during the closing period. They were friendly and understanding throughout the entire process.Read more
4.83
Rose S.
July 12, 2021
Danny Murphy and his team were very professional, knowledgeable, and extremely helpful. All questions I had were addressed immediately and the process was seamless in getting a mortgage. I’m extremelyhappy I was referred to C&F and will promote them as opportunities arise.Read more
5.00
Kathleen A.
July 09, 2021
.
4.83
Ebony B.
July 08, 2021
I enjoyed working with the whole team. Everyone made it very clear what was needed, explained the process and timeline. They were so thorough I did not need to ask a question. I would very much recommend.
5.00
Elizabeth C.
July 07, 2021
Danny was honest, straightforward and made the home loan process a lot less intimidating. I would highly recommend him as a loan officer.
5.00
Brian E.
July 03, 2021
The app was easy to use, communication was consistent through the app and also with loan officers, and we always received fast responses to our questions! I didn’t know the loan process could be so easy!
5.00
Lauren A.
June 29, 2021
Danny was very communicative with us throughout the entire mortgage loan process. Made it easy and stress free!
5.00
Kimberly C.
June 28, 2021
Danny’s entire team was amazing. I would and have recommended him to everyone.
5.00
Kevin J.
June 20, 2021
Danny and his entire staff were extremely helpful! We would definitely work with them again!
5.00
Kelly S.
June 16, 2021
What a complete team!!!!! Danny and his staff worked tirelessly to make sure I closed on our house on the contracted day and that was 30 days from the agreedoffer using a FHA loan.
They were in complete communication on what had to be done and what documents needed to be submitted to get in underwriting quickly and efficiently.
I would recommend Danny Murphy and hs team as they will take care of you like they a buying a house for their own family.Read more
5.00
Stephen J.
June 15, 2021
Danny went above and beyond to make sure we closed on time and had all the information we needed in a timely manner! Thanks for everything!!
5.00
Margaret H.
June 03, 2021
He walked me through every step of the way!!
5.00
Deborah M.
May 29, 2021
Danny was great, he was with me the whole way. this was a different type of home loan because we didnt use realtors so Danny was probably doing more thenwhat is normally expected. However he kept me informed of what was going on. When i ran into closeing costs isues Danny was able to find other ways to help keep closeing costs down while still being able to afford the house. All in all a great experience especially now since its all over. I will definately refer Danny if anyone asksRead more
5.00
Daniel W.
May 29, 2021
Everything was communicated quickly and efficiently, and it was simple to upload the requested documents. Danny and Anne both followed up on requests for special wording in 2 different pre-approvalletters; they both provided these almost immediately. They were both really friendly and helpful, and I would highly recommend this team for any mortgage needs.Read more
5.00
Michelle R.
May 27, 2021
Good communication with all the folks I worked with. All were knowledgeable and answered all my questions in a timely manner. Great customer service and I was very pleased with the ease of providing needed information requested.
5.00
James J.
May 26, 2021
We had a lot of issues with the sale on the seller's side. Danny and his team (Anne Vandeweghe especially) when over and beyond to get my deal done. Dannywas pro-active and kept me posted on status on a regular basis. He was responsive and returned phone calls and emails quickly during a very stressful purchase process. You can't find a better mortgage option. C&F is completely transparent with all financing. The web interface for signing documents is smooth and easy to navigate.Read more
5.00
John T.
May 14, 2021
Danny Murphy came highly recommended and was an absolute boon to my wife and myself during our home buying process. He and his team were very attentive and communicated withus frequently in order to get us the best loan for our needs. We couldn't be happier!Read more
5.00
Ian M.
May 06, 2021
Danny and his team were always able to answer questions even during off hours. They're able to quickly overcome obstacles and work through issues with speed and accuracy.
5.00
Ronald R.
April 24, 2021
Danny and his staff were always informative and kind. This process in it self is very stressful and it was so wonderful to have people that seemed to be workingon your behalf versus feeling like they are working against you. We love C and F Bank and we are so glad to be able to do business personal and professional with you all!Read more
4.83
Thurman W.
April 21, 2021
Danny Murphy went above and beyond in helping us secure a loan and made numerous adjustments as we changed our budget and dealt with two contracts. I couldn’t have askedfor a better lender to work with. He was a personal reference from a friend. And now he’ll be a reference I give to my friends and family if they are looking for a lender who isn’t just about numbers. He made it a point to give personal service and helped me with our specific needs.Read more
5.00
Monica W.
April 20, 2021
It was my first time buying a house and the process seemed easier and well explained. People communicated with me and helped me with anything I needed help understanding. It was over all pretty smooth for me.
4.17
Troy D.
April 01, 2021
Great service, always available!
4.33
Jesse R.
March 28, 2021
4.50
Katherine A.
March 22, 2021
Danny was always available to answer my questions and was very patient when I asked for pricing and program options. I really appreciate everything that Danny and team did for my during this process.
5.00
Kelly A.
March 20, 2021
Danny was extremely quick and communicative from the get go. I plan to send everyone I know that's planning to buy a home his way!
5.00
Jade V.
March 08, 2021
Ease of use of the online website to upload and view documents.
4.50
Matthew W.
February 15, 2021
Danny made our experience extremely easy. Answered all of our questions quickly and was able to get us pre approval quickly. The app for C&F helped with keeping us organized through the entire process.
5.00
Kelley M.
February 11, 2021
Consistent and polite service. Delivered on everything promised. Excellent experience.
5.00
Thomas G.
February 09, 2021
The staff at C&F were very quick to respond to my questions when I reached out to get clarification about a portion of the loan paperwork. I had plenty oftime to put together all the required paperwork and I knew they would be there if I had any issues. Their online paperwork software works well and makes that portion very easy and user friendly.
Overall, the home loan process with C&F was straightforward and unambiguous.Read more
5.00
Ian S.
January 16, 2021
Danny did an awesome job; kept us informed and the transaction was made very easy. Thanks for all you did!
5.00
Steve G.
January 14, 2021
Danny and his team were great to work with.
5.00
Christopher R.
January 11, 2021
Great rates and great service.
5.00
Andrew A.
January 03, 2021
He is very helpful person.
5.00
Bishwa K.
December 27, 2020
Danny is the BEST !!
He’s knowledgeable, responsive and communicates through the whole process.
I would recommend him to anyone, anywhere, anytime.
5.00
Robert E.
December 16, 2020
Information clearly provided. Good response to questions when asked.
5.00
Jennifer L.
December 15, 2020
Danny was very responsive and flexible with working with us during the extended process. Thank you!
5.00
Paul M.
December 15, 2020
Constant and clear communication and updates on the loan process
5.00
Leonardo F.
December 12, 2020
Most of our contact was with Anne Vandeweghe. She was superb.
5.00
John R.
December 11, 2020
Mr. Murphy was always in communication with me through the process of my loan. Any questions I had anytime of the time he had an answer for me. When itcame to closing day it was rough but, he insured me that I would close and have a home at the end of the day.Read more
5.00
Anastasia D.
December 06, 2020
It was a real pleasure working with Mr. Murphy and his team during the process of buying our new home. He was very responsive to our questions about the process.His experience in the field enabled him to tailor a product for our unique situation. You won't go wrong with trusting your banking needs to Mr. Murphy and his team!Read more
5.00
Michael J.
December 04, 2020
Danny was great to Work with. He kept me informed throughout the whole process and really made it easy for me.
5.00
Lynn M.
December 04, 2020
From the moment I called, I felt a sense of honesty. Danny was honest with me, informative, and he allowed me to ask the most minute questions. I also hadthe pleasure of working w/ Emmy D’Urbino, she was very helpful, Very organized & thorough & professional which made all of the difference. I put my trust in you and you most definitely came through. Thank you for your patience as well as treating me as a person rather than just a home loan customer. Y'all stand above the rest! Godspeed!Read more
5.00
Edward M.
November 10, 2020
Services was efficient... I received a great rate on my loan and all questions answered when asked..
5.00
Kareen S.
November 03, 2020
Danny was very knowledgeable and accessible and helped us every step of the way in buying our first home.
5.00
William S.
October 30, 2020
Pleased with advice & direction. Glad to have mortgage secured at very respectable rate. Appreciate service provided by Danny & Ann.
4.50
Patricia A.
October 29, 2020
Other than the length of time it took, due to the overwhelming demand, we were kept informed, and when completed, all's well that ends well, and it did. Danny andAnne did all they could to expedite the process within their limits. Closing was great at Bay and Kathleen was super.Read more
5.00
Herbert C.
October 28, 2020
Anne was amazing to work with! She was detail oriented, kind, prompt, and made the process so easy for us!
5.00
Charis L.
October 26, 2020
Anne Clarke is the best! She was extremely helpful and made the whole process easy!
5.00
Nicholas A.
October 26, 2020
Danny and Anne were easy to work with.
5.00
Sally K.
October 25, 2020
Danny and his team provided a fantastic experience end-to-end!!
5.00
John M.
October 18, 2020
Danny and the team were very quick to make everything happen during the entire process. They communicate very well, are VERY HONEST and easy to work with. They made theentire loan process seamless, stress free and easy. I would for sure recommend them for any loan or refinance needs.Read more
5.00
Bryce F.
October 18, 2020
Everything was quick and easy was quoted a rate and that’s what I got Everyone there is very pleasantl
5.00
William J.
October 15, 2020
Ease and speed of the underwriting process.
5.00
Robert V.
October 15, 2020
Danny was attentive and easy to work with. He answered questions in a timely manner and dug into issues to help sort things out along the way. Thanks Danny
5.00
Baron M.
October 14, 2020
Danny is knowledgeable and always answered any questions I had along the way. He locked in a great rate and he also made some good suggestions, gave me my optionsand saw the process through to the end. This is my second time doing a mortgage with him and I have recommended and will continue to recommend Danny Murphy.Read more
5.00
Katherine L.
October 14, 2020
Danny and his team were fantastic to work with through every step of the process! My wife and I knew that they had everything under control and had our best interest in mind at all times.
5.00
Ryan B.
October 12, 2020
Danny and his staff made things as simple as possible and addressed my questions and potential issues quickly.
4.50
Gerald H.
October 11, 2020
Outstanding service, great team to work with and always there to help.
5.00
Balraj S.
October 02, 2020
Easiest RE Finance/Mortgage experience I have ever had. It was painless and exceeded expectations.
5.00
Jessica E.
October 01, 2020
Danny was incredibly helpful and kind. I had never handled a refinance and Danny took the time to walk me through it. I would highly recommend him to everyone - in fact, I already have!
Thanks Danny!
5.00
Daniel J.
September 27, 2020
Danny was first class all the way through the process.
5.00
Karen R.
September 25, 2020
All paperwork was made very easy to keep up with and accomplish digitally, which was very appreciated during the pandemic to minimize contact.
5.00
Todd E.
September 23, 2020
Both Danny and Anne were professional and responsive. It was a pleasure to work with them both.
5.00
Robert S.
September 22, 2020
The process was very straightforward and easy to follow. Danny was very helpful and responsive to questions or concerns. The online format for documentation was easy to navigate and understand.
4.83
Scott H.
September 21, 2020
Danny made this experience pleasant and simple! He and his team supplied great communication and service!
5.00
Carlton A.
September 16, 2020
Danny and his team had a comprehensive approach, I was grateful for the concise communication that facilitated a quick and effortless close.
4.83
Michael J.
September 14, 2020
Danny and his team made the refinance process simple, quick and painless from start to finish. The online portal for uploading documents is very user-friendly and saves a lot oftime. I have already given his name to friends and associates looking to refinance their homes as well.Read more
5.00
Mary G.
September 14, 2020
Great people!
5.00
Byron L.
September 13, 2020
The depth of detail in the process. Ultimately the ease of submitting documents.
We’ve built our reputation as a trusted lender since 1995 by supporting 100,000+ families, closing $21+ 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.
C&F University
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.
When your loan officer sends you the link to apply for a loan or you click on the apply now link, this is the process to start your loan and how you download the mobile app.
Enter your email address and create a password.
Click on the link in the email you receive to download the app.
Open the app in app store to download. Download the app.
After downloading the mobile app for the first time, getting signed into the app will require a small setup process. After opening up the app, the home screen will display two options: ‘Get Started’ and ‘Sign In.’ Using the ‘Sign In’ button will be used once your username and password has been setup. For first time users, we will want to select the ‘Get Started’ button to create your account profile.
After selecting ‘Get Started’ you will be taken to a screen to enter the email address you would like to use for your account profile. Be sure to check the spelling is correct and then tap on the ‘Connect’ button to proceed. If the email listed is not listed in our system, you will then be asked to provide additional information, such as your name and phone number so that we can save that data for your loan officer’s use.
If the email address provided already is recognized in our system, rather than require more information, you will be taken to a page where we will send out a verification code to the email address. The verification code can be sent either by email or text. Select the ‘Send Code’ button to get that code issued out.
After the account profile has been created and the password set, you will be directed back to the home screen. Tap on the ‘Sign In’ button to proceed with logging into your app.
Enter the email address and password in the fields provided, then tap on the ‘Sign In’ button below, which is the login credentials are correct, will take you to the home or ‘Info’ tab of the mobile app where you can then begin to use the app as needed.
What documents do I need to apply?
To provide you with an accurate pre-qualification and process your loan application, we will ask you for a variety of documentation. Please note different programs require varying documentation.
At a bare minimum to complete your initial loan application, you will need the following:
30 days paystubs
2 months bank statements
Government issued ID
2 years W-2s
In addition to the list above, if you meet any of the scenarios below we will request additional documentation:
Divorced or Separated:
Divorce Decree and/or
Separation Agreement
Self-employed:
2 years tax personal tax returns
Based on type of self-employment, **may need business tax returns
Social Security Income:
2 years 1099
Awards Letter
Receiving a Monetary Gift:
Gift Letter
Based on Financing type, Gift Documentation will be different
Fully Ratified Sales Contract (Purchase only) once offer is accepted:
As a part of the loan application process, we need the last 2 months of your bank statements for your loan application. There are three ways to upload your bank statements:
Automatically syncing your financial institution(s) within the app (ideal scenario)
Digital e-statement from your financial institution(s) online banking platform
Scanned printed statements from your financial institution(s)
Syncing within the App
When the question comes up to verify your assets, click on the “Automatic Check” option to continue.
After clicking the Automatic Check button, you will be able to select and/or search your financial institution where your checking, savings, investment and/or retirement accounts are held.
As you type, the search engine will produce a list of close matches.
Once the login page is displayed, enter your online banking credentials to sign in. Because your security is our highest priority, your login credentials are never visible to anyone and are encrypted to ensure confidentiality.
Once AccountChek is authorized to connect to your financial institution, you will be taken to the Review and Submit page. You can click +Add Another Financial Institution to add more accounts while we finish gathering account data.
Once you have added all accounts needed to qualify for your loan, please select which accounts you would like to share by checking the checkbox to the right of each account. Once all desired accounts are Linked, click Finish & Share to complete the process! Your lender will notify you if you need to log back in and provide further information.
If you could not connect your financial institution within our automatic portal, you can provide them manually to us in the following ways:
Digital e-statement from your financial institution(s) online banking platform
Scanned printed statements from your financial institution(s)
Note: We need the actual bank statement with all pages listed, even if the last page is blank. We cannot use screenshots. We need a statement for each bank account you have.
Uploading Digital E-statement
Login to your financial institution’s online platform (preferably on your desktop)
Typically, there should be a section under your account that says “Documents” or “Statements.” Below are two examples of how it might look:
On this page, you should be able to select the statements you would like to download by either a download icon (arrow pointing down) or selecting the check box next to the two months of statements you would like to download. An example of how it might look:
When you click the download button, you will need to save these as a PDF to your computer. To save, you can do so by clicking “Save As” on the initial download or if they open on your computer you can click “File” and then “Save As.” Or, you can click the “Print” icon or “File” and then “Print” then you could change the Printer to “Save to PDF.” Example below:
Finally, login to your Simple Nexus application and upload these documents directly within your portal. Go to the “Documents” tab and upload the PDF.
Scanning Printed Statements: To scan printed statements, please view the how-to guide below that says “How do I scan documents within the mobile app?”
As the loan application is being filled out, we need 30 days of pay stubs for your loan application. There are three ways to upload your income documentation:
Automatically syncing your payroll provider within the app (ideal scenario)
Digital pay stub PDF from your payroll provider
Scanned printed pay stub
Syncing within the App
You can connect automatically within our app, or you can opt to manually enter the information.
By selecting “Automatic Check” a screen will then load where you will be presented with a search menu. You can search for your employer.
As you type, the search engine will produce a list of close matches.
Click on your employer’s name and click Continue.
Next you will be asked to select your Payroll Provider. Click on the provider name. After reviewing permissions, click Continue to pull up the login page
Once the login page is displayed, enter your payroll provider credentials to sign in. Because your security is our highest priority, your login credentials are never visible to anyone and are encrypted to ensure confidentiality. If you do not know your login credentials, use the “reset now” link below the submit button.
If you could not connect your payroll platform within our automatic portal, you can provide the following documentation manually to us:
Digital pay stub PDF from your payroll provider
Scanned printed pay stub
Note: We need a full 30 days of pay stubs, so if the last two payroll cycles are less than 30 days, please pull an additional pay stub. We need the actual PDF download, we cannot use screenshots.
Uploading Digital Pay stub PDF
Login to your payroll provider offered by your employer, such as ADP or UKG Find your pay statement, typically under “Pay” and “Pay History.” Pay History will allow you to capture more than one pay stub, as we need 30 days. An example of how it might look:
You should either be able to select multiple pay statements and click the download icon (arrow pointing down). Or, click into each individually and click the download icon. An example of how it might look:
When you click the download button, you will need to save these as a PDF to your computer. To save, you can do so by clicking “Save As” on the initial download or if they open on your computer you can click “File” and then “Save As.” Or, you can click the “Print” icon or “File” and then “Print” then you could change the Printer to “Save to PDF.” Example below:
Finally, login to your Simple Nexus application and upload these documents directly within your portal. Go to the “Documents” tab and upload the PDF.
Scanning Printed Pay stub:
To scan printed pay stubs, please view the how-to guide below that says “How do I scan documents within the mobile app?”
Uploading required documentation for your mortgage application is necessary to ensure your loan can move forward. This process can be done in one of two ways:
From the web dashboard
From the mobile app
Both options are perfectly fine, but they have unique aspects to it worth mentioning. Uploading a document from a mobile device has you create the document file as you go through the process using our mobile scanner feature, whereas the Web Dashboard will require the documents already be scanned in and saved to the computer being used.
Using the Mobile App, uploading documents starts by selecting the ‘Add Document’ as shown below.
From Add Document, select the option that is needed to make sure you get the document uploaded.
Take a Picture – Start the process of getting the document(s) to your
Send a File – Select a file on your phone if the document is already on the
Drafts & Sent – Resume sending a document that you’ve already started the process with
As we are starting the process, select the ‘Take Picture’ option. (nothing will be saved to your phone)
First you will need to name the document you are uploading. There is a list of options already you can select if you find the document name that you are uploading. If you don’t see the title of the document you are uploading, you are able to name it whatever you would like. Once the document name is intact, select ‘OK’ to continue.
A scan mode option will then be displayed. Most cases, ‘Recommended setting’ works just fine for all documents, but for color documents, such as licenses and IDs, we have a ‘Requested in Color’ option for that. Choose the scan type and click ‘OK.’
A set of scanning instructions will be shown giving the user tips on how to properly scan the document. Your camera will then turn on letting you take the photo of the document. When you have the document fully lined up properly, select the middle button on the bottom option to take the scan.
Once the scan is taken, there will be a cropping tool that will let you make any adjustments needed. Once the adjustments are made, select the ‘Crop’ option to continue. If you need to take a scan of the document again though, you are able to click ‘Back’ to retake the scan of the document.
Next will be a contrast adjustment filter to make sure the document is clearly legible. Once you can read it clearly, select ‘Done’ to finalize these edits.
After completing the edits to the scan, there will be a review page where you give a final approval on the document. If the document looks great, you can click ‘Send’ to upload the document to your account profile. If the document has more than one page, you can instead click the ‘Add Page’ option to scan the next page, where you can repeat this process until you have the full document ready to upload.
Once you are done, select the ‘Send Securely’ button to upload the document. You will get a confirmation once the document has upload successfully, and you can then close out of the app, or you can instead just click the ‘OK’ button that would appear to go back to the home page of your app.
Final notes: Scanning your documents in via the app is secure. Also, the scanned documents are not saved on your phone like they would be if you take a picture and send them in via email.