Fulton-Freeman Team

J Fulton & Brad Freeman, NMLS# 211848 | 211845

Address: 4480 Cox Rd. Suite 101, Glen Allen, Virginia 23060
O: 804.673.2150 F: 804.419.8494

Fulton-Freeman Team

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.

 

J Fulton | Branch Manager NMLS #211848
jfulton@cfmortgagecorp.com | 804.673.2150 x73516

Brad Freeman | Production Manager NMLS #211845
bfreeman@cfmortgagecorp.com | 804.673.2150 x73512

Customer Reviews

  • Friendly and fast service.
    5.00
    Merry B.
  • Brad made this whole process as painless and possible. Great communication the whole time. It was stress free and I felt completely informed with each step. Thank you!
    5.00
    Kathleen L.
  • The amazing interest rate speaks for itself.
    5.00
    Ronald J.
  • Wonderful team to work with - we look forward to a great relationship!
    5.00
    Kyle H.
  • J. Fulton made it GREAT! He is so easy to work with and is very thorough. He happily answered any questions I had along the way. His whole team was friendly and courteous.
    5.00
    Jody E.
  • As always, J Fulton and team are excellent to work with! We have used them several times for our homes and sent friends and colleagues his way. Thank you again.
    5.00
    James R.
  • I've worked with Brad as a first time home buyer and for this refinance. Brad has also helped me navigate financial questions that I have had in past years. IRead more
    5.00
    David L.
  • Great rate, and an unbeatable level of service.
    5.00
    John J.
  • Great group to work with and very responsive to every detail needed to close our loan!
    5.00
    Robert B.
  • Brad was extremely easy to work with, was always available to answer questions, and helped to make our home buying process as smooth as it could be in this very busy market. Thank you, Brad!
    5.00
    Amy L.
  • Thank you very much.
    5.00
    Matthew J.
  • The people were easy to talk with and were very accomadating.
    5.00
    John F.
  • Brad and his team were great to work with! Brad always answered our calls or got back to us quickly with our millions of questions- thank you so much forRead more
    5.00
    Kathleen P.
  • Brad was very helpful explaining everything that I needed to know as a first time home buyer. He made it very easy to coordinate and understand all the forms thatRead more
    5.00
    Mark J.
  • J and Teresa were amazing! So quick to respond and very knowledgeable. And they could not have made the process any easier for us. I also really appreciated the callRead more
    5.00
    Kelsey H.
  • Brad was always able and willing to answer my many questions.
    5.00
    Robert D.
  • Brad Freeman was very attentive and answered our questions extremely quickly. I have worked with Brad before and have always been impressed with how quickly he responds to questions. ThatRead more
    5.00
    Alexander B.
  • Jay and his team made miracles happen.
    5.00
    Adam A.
  • Every step of the way was lined with support and a willingness to answer questions. Every person I talked to was a real human who acted like a real human.Read more
    5.00
    Garreth C.
  • I was not sure that re-financing would be beneficial to me, but after speaking with Brad, He presented me with a couple of scenarios, where I learned that by refinancing,Read more
    5.00
    Kim J.
  • Very knowledgeable staff, very efficient and pleasant.
    5.00
    Valerie L.
  • Brad Freeman was so helpful reviewing our refinancing options - he shares options we didn’t even consider and we are so happy with our decision.
    5.00
    Melanie L.
  • We love working with J--the whole team treats us with diligence and class. It's always great to work with this team.
    5.00
    Graham H.
  • Brad and his whole team were outstanding through our 6+ month process
    5.00
    Kyle B.
  • Everything was easy over the Internet and we were kept apprised of all progress or the need for additional information.
    5.00
    Dianne S.
  • Second round process with this terrific team and I highly recommend them! Every step is made easier with their guidance, and I’m grateful for their partnership!
    5.00
    Jennifer A.
  • An incredible team, amazing communication, and it felt like we could trust everyone! Which is huge when it comes to making big financial decisions! Thank you all!!!
    5.00
    Hannah M.
  • Very helpful
    5.00
    Kathleen A.
  • J is super responsive and knowledgeable, always available to answer questions and make sure everything goes smoothly.
    5.00
    Melissa G.
  • The Fulton-Freeman team helped guide us through our first home buying experience. They were patient with us and helped to make the process easier for people who needed a lot of guidance. Thank you!!
    5.00
    Veronica N.
  • The group was quick and punctual with updating me on the status of my transaction. If there was further information needed the platform used made information sharing instantaneous. They wereRead more
    5.00
    Stephanie D.
  • As always, very helpful and professional. Refinance was a breeze. Thank you!
    5.00
    Natallia C.
  • Working with C & F Mortgage and Brad is always a great experience.
    5.00
    John G.
  • Brad was very knowledgeable about the refinance process and answered all of my questions.
    5.00
    Dalibor T.
  • You kept us informed and made it easy.
    5.00
    Richard R.
  • Professional service
    5.00
    David M.
  • This was a seamless experience.
    5.00
    Sandra C.
  • J and the team kept us informed of what was happening and the next steps. Options were explained in understandable ways that left us feeling confident.
    5.00
    Thomas J.
  • I have worked with Brad Freeman in the past on other home financing. He was always there to answer all my questions. He was always vey knowledgeable and professional. I will always turn to Brad for my financing needs
    5.00
    Kim S.
  • Great communication and responsiveness!
    5.00
    Matthew B.
  • Brad and Teresa were wonderful. They explained every step of the mortgage process along the way. They responded quickly to our questions. Communication from Brad and Teresa was exceptional which made everything go smoothly, and gave us peace of mind!
    5.00
    Julie Y.
  • Jay and Teresa were wonderful to work with every step of the way, as always. I am very thankful and appreciative for their professional, prompt, courteous nature and consistent attentionRead more
    5.00
    Marcy K.
  • Brad made what could be a stressful process not stressful at all and very easy. Thank you!
    5.00
    Gregory S.
  • Good follow-through with the primary agent
    5.00
    Dennis S.
  • The Fulton - Freeman team made the refinancing process easy. They were very responsive to all my questions and provided several options so I could make the best decision to meet my needs. I would highly recommend them.
    5.00
    Kellie A.
  • Jacob Smith was very helpful in every step. He was courteous and patient. I have already recommended him to others. He made the whole process easy.
    5.00
    Rickey A.
  • The staff was friendly and helpful. Everything went smoothly.
    5.00
    Virginia B.
  • Easy communication and personable folks!
    5.00
    Phillip S.
  • Great customer service and fast responses
    5.00
    Claire R.
  • Jay and team were very easy to work with. Process was easy and smooth
    5.00
    Julie S.
  • If anyone is NOT interested in good 'ole fashion customer service then don't contact J and Team. If you prefer automated voice mail systems, a complicated loan process with terribleRead more
    5.00
    William D.
  • Attention to detail. Fast communications. Ease of filling out documents.
    5.00
    Clarence B.
  • Consistentcy!
    5.00
    Beverley M.
  • My experience with the Fulton - Freeman Team was great. Everything was done in a timely matter and everyone was so helpful and polite. Jacob Smith was very helpful and in detail. I would definitely refer people to him. Thanks!
    5.00
    Julian M.
  • Everyone at C&F was delightful to work with! The entire team was so friendly and very prompt at getting back to us. They guided us through the process smoothly, andRead more
    5.00
    Leslie R.
  • .
    5.00
    Ashli B.
  • J. Fulton and his team are amazing. Such a smooth loan process with excellent communication. I highly recommend their team!!
    5.00
    Norma H.
  • I was able to reach someone any time I had questions. I would definitely have preferred to sit face to face across the desk from someone but understand why thatRead more
    5.00
    Deborah R.
  • I was solicited by another firm trying to catch me with a "lower interest rate". I flatly refused. The excellence of the Freeman Team and the people is worth far more!
    5.00
    Jeremy L.
  • Brad is an honest, knowledgeable and accessible professional. He was incredibly patient with my many questions (first timer here). Also, his staff was highly engaged as we collected paperwork andRead more
    5.00
    Bruce M.
  • J. and his team are knowledgeable, hard-working, and always available for questions. They did a great job!
    5.00
    James T.
  • The Fulton-Freeman Team at C&F Mortgage supported me throughout the entire process of purchasing a home -- from loan application all the way through to closing. Their communication was clear,Read more
    5.00
    Lisha G.
  • As a first time home buyer I was overwhelmed and nervous coming into this whole process. Brad and Teresa went above and beyond to make this whole process painless andRead more
    5.00
    Christopher R.
  • Communication about the process was great beginning to end!
    5.00
    David G.
  • Brad Freeman and his team was great to work with. There were always available to answer any questions we had throughout this crazy process. It is unfortunate that they areRead more
    5.00
    Allison B.
  • We got a low cost loan. And a great rate. Our loan agent led us through the process with necessary communication and was upfront with us during the entire process.Read more
    5.00
    Horace S.
  • Team was responsive and helpful. Website was very easy to use.
    5.00
    David C.
  • Brad and the team are always a pleasure to work with! The quick responses and follow up is second to none!
    5.00
    Melissa L.
  • Granted US Bank set the bar very, very low. But from our first conversation, we new we would have a great experience with Jay & company.
    5.00
    Craig Russel W.
  • Good follow-up, stayed on top of issues and let me know about them.
    5.00
    William C P.
  • Brad thoroughly explained all the options we had when choosing a mortgage and ran through countless scenarios with us so we could feel good about the down payment and monthlyRead more
    5.00
    Eric William C.
  • Jacob was very friendly and helpful and offered great advice!
    5.00
    Kendra Murphy H.
  • Great communication was the key to our experience. Professional yet personal care.
    5.00
    Thomas Irvin B.
  • Jay Fulton and his team
    5.00
    John Wesley S.
  • Great support from Teresa Bobinsky.
    5.00
    Thomas Allen J.
  • Jacob, Teresa, and J. They are the All-Star team.
    5.00
    Michael A S.
  • I have worked with Jay Fulton and Teresa Bobinsky in the past 5 years with the purchase of my home and 2 refinances. They have been above wonderful, helpful and pleasant to work with!
    5.00
    Tracy E L.
  • Brad was phenomenal at communicating, and his team was great!
    5.00
    Danielle H.
  • Jacob put sooooo much into following up and letting me know everything. The “team” folks were wonderful. The bank stood up for me and decided you wanted me to haveRead more
    5.00
    Frances B B.
  • It was quick, easy and was a pleasure working with Jacob. I would definitely call him again
    5.00
    Donna N. M.
  • Brad is awesome!
    5.00
    Ashley R N.
  • The communication was the best I have ever experienced and everything was taken care of in a very timely manner! I couldn’t have had a better experience
    5.00
    Courtney Danielle G.
  • This is our second time using J Fulton and his team and we can’t say enough how helpful and efficient they all are. The communication is excellent and they areRead more
    5.00
    Lauren L.
  • I was a first-time homebuyer, and the team made me feel comfortable and confident throughout the entire process. They were open to hear my myriad questions and answered them quickly,Read more
    5.00
    Carey Robert K.
  • J was so helpful and patient in answering all of my questions. Communication was great from everyone involved.
    5.00
    Betty Walker C.
  • Teresa was fantastic and we had a lot of laughs as the request for info kept coming. She guided me through all the hurdles
    5.00
    Richard W R.
  • We had a rent back to the seller, so your team allow my wife and I to close remotely preventing the need to travel to Richmond for the closing. The communication and support was outstanding. Thank you!
    5.00
    Stacy William M.
  • Teresa and Jay both had excellent communication during the entire process. They were happy to help my client in less than 2 weeks before closing! Everyone worked very quickly and they were very welcoming to my client!
    5.00
    Shana M.
  • Everyone I worked with was very helpful! The explained everything thoroughly and everyone was very responsive!
    5.00
    Colleen Ann K.
  • The staff was fantastic!
    5.00
    Jordan Timothy M.
  • Brad was great and available. Without him we wouldn’t have gotten our house at 8 pm on a Saturday night.
    5.00
    Fred A.
  • You provided friendly and competent support throughout the entire process. Thank you!
    5.00
    Nancy Hollen H.
  • The entire team showed patience and expertise throughout the entire process.
    5.00
    Julio B.
  • Prompt responses, excellent advice, clarity on process and friendly staff
    5.00
    Sincere B.
  • Everyone was super helpful.
    5.00
    Timothy John D.
  • Always available to get ahold of. They were able to work through obstacles (not Fulton’s fault)
    5.00
    Kyle K.
  • Communication, response to questions, just made it smooth transaction and helped through every step!
    5.00
    Rhea B.
  • Nancy was awesome.
    5.00
    Julie Diana M.
  • Everyone was so helpful, and the process went smoothly!
    5.00
    John E. S.
  • Very responsive. Very helpful and insightful. Saved us as much money as possible. Great experience.
    5.00
    Sean P.
  • The team was very communicative and make the process quick and easy. We appreciated the eSign option for most of the documents.
    5.00
    Jillian A.
  • Brad Freeman is simply an outstanding mortgage broker. As a first time homebuyer, Brad was able to explain all my questions, quickly run the numbers to give me an ideaRead more
    5.00
    Stephen David W.
  • The prompt communication was HUGE for me. I like to have responsive/friendly communication and both Brad and Nancy were great at this. They were also amazing at explainging things toRead more
    5.00
    Julia E. L.
  • Very efficient process and very helpful loan persinnel
    5.00
    Stuart S.
  • Everything went without a hitch, from the application through closing. Communication was excellent. All of the esigning and other web based operations were flawless and easy to understand.
    5.00
    Steven G.
  • It was great working with C&F and appreciate them putting up with me.
    5.00
    William P.
  • It is difficult to put into words just how great the experience was working with this team. I truly felt like a family member because of how well they tookRead more
    5.00
    Jody T.
  • Mr Fulton explained everthing and Nancy stepped in whenever I needed her assistance. Awesome group!
    5.00
    Tammy C.
  • Brad and Nancy were amazing and answered all my questions. Awesome team!
    5.00
    Alixander L.
  • Brad and Nancy are fantastic. Very accessible, informative, and kind.
    5.00
    Samantha S.
  • everyone was very awesome and professional to work with! We enjoyed our experience!
    5.00
    Randy P.
  • outstanding customer service
    5.00
    Darryl M.
  • Excellent would do it again!
    5.00
    Taylor W.
  • Process went smooth. Outstanding and knowledgeable.
    5.00
    Tommy H.
  • Great experience. Easy to work with.
    5.00
    Lindsey S.
  • Very fast response to questions or concerns. Whole process moved very quick and smoothly.
    5.00
    Emma F.
  • Professional
    5.00
    Theresa S.
  • Helpful.. friendly..and answered the dumb questions we had without making us feel dumb!!????
    5.00
    Walter J.
  • Working with Brad was great. He was very patient answering all of our questions
    5.00
    Sheila H.
  • Nothing but smooth sailing through the entire process.
    5.00
    Gregory G.
  • wonderful!
    5.00
    Rebecca S.
  • Easy
    5.00
    Julie B.
  • Teresa and Jay were great doing all the legal leg work with me . Thks guys
    4.83
    Joan B.
  • Brad Freeman was incredibly helpful from day 1 when I called him and asked for a pre-approval turnaround in 24 hours - nothing too easy. From there, he continued toRead more
    4.83
    Joshua L.
  • j was great to work with! Very responsive to our questions and concerns. This js our 3rd time working with him and it has always been a good experience. Highly recommend!
    4.83
    Patsy J.
  • The people responded to my questions in a timely manner. They paid attention to detail and were well equipped to assist if I had any questions.
    4.83
    Louis E.
  • Brad Freeman was great to work with again. Quick communication and upfront about everything. Very good at explaining the details. No hidden surprises when closing time came about.
    4.83
    Andrew L.
  • Brad and team were great! I have used Brad for 2 mortgages and 2 refis and would use him again in the future if when/if we buy another home.
    4.83
    Christopher D.
  • TEAMWORK
    4.83
    Mark W.
  • Responsiveness throughout the process—excellent!
    4.83
    Susan Jeffers W.
  • The people. Process was good, people made experience great.
    4.83
    Edward F. D.
  • Very easy process
    4.83
    Robert Keith B.
  • Great lines of communication and flexibility.
    4.83
    Benjamin Spencer L.
  • Jacob Smith was great to work with. He really made us comfortable by answering all our questions and being proactive throughout the whole process.
    4.83
    Logan B.
  • No issues and very smooth process. As a first time home buyer they made sure I had everything I needed to close on time and more.
    4.83
    Hunter K.
  • Jay and his team were very professional through out the mortgage process. When they need information you, it was easily transmitted on line.
    4.83
    David V.
  • Good experience and quick service and responses to questions.
    4.83
    Karl Harry E.
  • Great communication and very patient with explaining all the terms to first time home buyers
    4.83
    Allison Sullivan H.
  • Many thanks! Responsiveness was superior
    4.83
    Anthony Francis G.
  • The team members were very personable and professional - especially my primary contact, Jacob Smith.
    4.67
    Ronald E.
  • Jacob was very interested in making the process easy and personally helped when we had difficulty with uploading documents. His attitude actually made my day better even if we were having difficulty.
    4.67
    Ann-Elise N.
  • The simple online tools less paper is better. E-signature. Great experience with title company. Accurate estimate of cost and what to expect at closing
    4.67
    Christina H.
  • The team was on top of everything, I did not have to keep checking in on them. I was confident I was being taken care of. Communication was constant. Great team and very proficient.
    4.66
    Darling Lily L.
  • Brad was wonderful to work with! He answered all of our questions quickly and worked through a complicated loan application.
    4.50
    Madeleine Z.
  • Brad was always very accessible and would return my phone calls in a timely manner if he was busy when I called. His support team is clearly very knowledgeable andRead more
    4.33
    Patrick C.
  • Great service and responsive
    4.17
    James T.
  • I was kept informed throughout the process and all changes and updates were explained. The entire process didn't take very long which was good since it was toy advantage to get the rate locked in.
    4.17
    Vicki V.
  • Both J and Teresa were very supportive and helpful through the process.
    4.16
    Patricia Alice E.
  • Frequent updates as to what was needed and as the process progressed
    4.16
    Sharon Aube M.

Why C&F Mortgage?

Local Industry Expert

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.

Helpful Articles

Let’s get your home financing journey started.

Ready to get started?  

Apply Now

Have questions or need support?

How do I download the mobile app?

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.

DownloadingApp1

Enter your email address and create a password.

DownloadingApp2

Click on the link in the email you receive to download the app.

DownloadingApp3

Open the app in app store to download. Download the app.

DownloadingApp4

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.

DownloadingApp6

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.

DownloadingApp7

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.

DownloadingApp8

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.

DownloadingApp9

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:

  • Fully Ratified Sales Contract

Veteran / VA Loan:

  • DD-214 and/or
  • Statement of Service
How do I provide my bank statements?

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?”

How do I provide my income documentation?

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?”

 

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:

  1. From the web dashboard
  2. 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.

add document

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)

take picture

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.

click ok

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.’

scan mode

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.

scan crop

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.

scan crop back

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.

adjust contrast

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.

send

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.

send securely

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.

Translate »