Karen Pfeil
Karen Pfeil

Branch Manager, NMLS# 218587

Address: 27 S. Main Street, Keyser, West Virginia 26726
O: 304.788.1188 M: 240.447.3180 F: 804.419.8479

Your Local Industry Expert.

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.

Karen Pfiel | Branch Manager NMLS #218587
kpfeil@cfmortgagecorp.com | 304.788.1188

Jessica Kitzmiller | Loan Officer NMLS # 2420948
jkitzmiller@cfmortgagecorp.com | 681.209.3339

Customer Reviews

  • Karen was so easy to work with. She was very knowledgeable in her field and was always available. If she didn't have the answer she found it and got backRead more
    Michael A.
  • I’ve heard forever now that buying a house is extremely stressful. Karen made it easy! She answered all my questions and was super nice!
    Randall S.
  • Karen provided a great experience while I purchased my home!
    William D.
  • By far the best customer service I’ve ever had! Helped us get an amazing interest rate, and kept us updated during the whole process! I would recommend Karen and herRead more
    Brian K.
  • She was very helpful and understanding with our availability and with COVID to complete the paperwork .
    April M.
  • Karen answered all my questions honestly. Karen always responded with in 24 hours if not sooner. Karen was very professional and easy to communicate with. Couldn’t be happier and hopeRead more
    Roland L.
  • All of my communications with C&F was by email and phone. I didn't miss work! I was off 1 day to sign at closing. They made the impossible happen withRead more
    Patricia W.
  • I’ve bought 2 houses using Karen and also sold my house and the couple used Karen as well. Karen stays on it from start to finish, as soon as youRead more
    Christina F.
  • Very organized and fast process. This was our first home purchase and everything went super smooth. I was able to communicate anytime with any of the girls in the officeRead more
    Christopher A.
  • Karen was very informative throughout everything. Her and her staff made the whole process seamless.
    Stephanie F.
  • Karen was very informative and prompt with replies.
    Ashley E.
  • After having such an awful time with my last lender karen was like a breath of fresh air. I appreciate everything you did for me.
    Sara G.
  • Karen walked us through each step of the process and Sue was wonderful to work with as well. Highly recommend and the customer service was superb!
    Charlotte W.
  • Went above to get my load through.
    Colin R.
  • Karen was the best loan officer I could have asked for. I was a first time homebuyer so I had a lot of questions about the whole mortgage process, andRead more
    Nicole C.
  • Great communication, easy application process, Karen is very helpful along with her entire staff.
    Crystal J.
  • Overall a great experience. Any questions we had they responded immediately. Would definitely recommend!
    Robert A.
  • Always willing to help and quick at answering any questions I had!
    Brittany N.
  • Karen made this process fast, easy, and simple !! She is amazing.
    Sarah C.
  • Karen was very responsive and extremely helpful
    Rodney D.
  • Everything went so smooth and the employees really did a great job of making us feel like we’ve know them forever. It just felt like friends taking care of friends! Loved everything about the experience!
    Derek M.
  • Karen is great and easy to work with. Made what could be a tedious process, very comfortable and almost effortless.
    Selena K.
  • Karen and her team provided exceptional customer service and closed my loan very quickly with no problems. This process could not have gone any smoother. This is one hard working team!!
    Amanda L.
  • The staff and communication was great. They were very flexible to work with.
    Robert J.
  • The staff is friendly and informative. Professional atmosphere, yet relaxed. Knowledgeable to answer all of our questions to guide us through our loan process. Would definitely recommend to others.
    Kelly A.
  • Very understanding, involved, and caring throughout the whole process. Made it much easier for me to understand the nuances of the loan process as a first time home buyer.
    Jennifer A.
  • Answered all my questions and responded quickly! Was a smooth process and very happy with how I was treated! Love my new home!!!
    Amanda F.
  • Wonderful experience!
    Natalie R.
  • Karen is great to work with. She provides all the necessary information to make the transaction as easy as can be. She goes above and beyond for her clients.
    Lorri C.
  • Everything was very simple and easy
    Jon P.
  • We appreciated that we were kept up to date with everything going on with the loan! The individuals we worked with were quick to respond to emails and made gettingRead more
    Emily E.
  • I have been very impressed by this mortgage company. Every issue, every roadblock I anticipated was overcome with strategic problem-solving, patience, and understanding. I firmly believe that I would notRead more
    Jessica L.
  • She was always there to answer any questions I had along the way. Great people and great communication
    LeAunna R.
  • Karen was great to work with and made the purchasing process as easy as can be!
    Matthew J.
  • You all were so good to work with. Anytime I called everyone was always polite and very helpful. My agent and the lawyers office both said that you all wereRead more
    Thomas A.
  • Everything was done at a quick and timely fashion. Would definitely do that again.
    Matthew D.
  • Very timely and helpful throughout the process.
    Jason C.
  • Karen was always very approachable. She answered all my questions and was responsive. I knew she would get back to me in a timely manner. I cannot thank her enough for making this an easy process!
    Kathryn A.
  • Being there to answer every question
    Jason S.
  • Karen made the process simple and stress-free.
    Arnold F.
  • It was a great overall experience!!! Thanks!
    Thomas W.
  • How easy everything was.
    Michael S.
  • During a busy time of the year, Karen and her team worked around the clock to make sure my closing wasn't delayed. It would have been easy to push closingRead more
    Paul A.
  • Worked quickly considering the circumstances and also answered all of my question quickly and accurately.
    Ryan A.
  • Thank you so much you made it very easy for us to get the house
    Dylan E.
  • Karen was wonderful to work with. We closed on a house that was being sold by our Landlords, so we didn't have a realtor. Karen made sure we were protectedRead more
    James E.
  • Karen was incredibly responsive and the whole process only took 26 days from the first email I sent until closing. It was so smooth and easy I wouldn’t hesitate forRead more
    Michael B.
  • Karen is great from the moment we met her! So seamless
    Benjamin C.
  • Worked quickly and answered any questions promptly.
    Gary L.
  • The process of refinancing went smoothly.
    Misty D.
  • Karen is awesome! It was a fast and easy process!
    Jacki B.
  • Very easy to talk to. Puts things in easy to understand terms. Quick responses to questions. Great communication.
    Michael A.
  • Was very smooth process, with no stress and worry.
    Rebecca L.
  • I am a Realtor and I've worked with Karen for years. She is always honest, reliable and gets the job done.
    Judy E.
  • All we had too do was sign paperwork
    Dale A.
  • As a Real Estate Agent, many many of my clients use Karen so when it came time for me to buy, I had no doubt who to use. THANK YOURead more
    Diana L.
  • Karen and her team were very responsive and professional throughout the mortgage process. They completed the process ahead of schedule and we settle sooner than anticipated. Great job!!
    Monti D.
  • Karen was very patient, and communicated very well answered questions promptly. Overall great experience working with Karen.
    Heath T.
  • Extremely responsive
    Jeffrey J.
  • Karen was great to work with and helped us each step of the way. She went beyond to help us with an issue that we were having with a cellRead more
    Kelley A.
  • Replied quickly to any questions or concerns (even while on vacation!). Explained all my loan options and was quick to show me estimate changes based on my various scenarios. Very easy to work with.
    Blair G.
  • The best thing was she was always just a phone call or text away
    Christopher R.
  • Karen's drive and ambition
    Mark S.
  • Karen and her team made my loan process straight forward and easy!
    Joel A.
  • Very smooth process
    Christian T.
  • Whole process was so quick. Would recommend in a heartbeat
    Donald L.
  • Karen and her team were amazing to work with. Excellent communication and went above and beyond to make everything happen. Highly recommended.
    Richard E.
  • Karen made it so easy for us! We had so much fun working with her. Would recommend to anyone!
    Kieran E.
  • they made the buying process painless, there were no hidden expenses what she said i needed was was exact, her employees were awesome. They kept me informed all the wayRead more
    Robert J.
  • Karen and staff are a pleasure to work with and made the process extremely easy!
    Stacy M.
  • Always great experience. This is the 3rd time I've worked with Karen for my loans!
    Krista A.
  • Closing was quick and painless! Very responsive with questions and answers even after the sale!
    Daniel H.
  • Karen was extremely helpful. Took her time to explain details and offered follow-up in a timely manner.
    Mindy S.
  • Karen and her team were amazing!!!! Fast and efficient with everything.
    Heather M.
  • Karen, thank you for being so helpful in our first home buying process. You were a joy to work with.
    Megan C.
  • I’m so grateful to have worked with Karen. She was so friendly and caring.
    Cynthia A.
  • Karen is very down to earth and genuine. She gave us options that we didn't know or consider and she was always available if we had any questions.
    Joseph M.
  • Quick communication and friendly service!
    Naomi J.
  • Karen and her team made buying a house for a 21 year old not only realistic but an absolute breeze. They were nothing short of great!!
    Sheldon B.
  • Quick to answer any questions I had and patient with me
    Katie A.
  • Karen Pfeil is awesome to deal with. She was on top of everything and made buying a house without having any worries! I would HIGHLY recommend her to anyone!!!
    Lisa N.
  • Quick and simple and staff was very helpful
    Andrew J.
  • I really appreciated the communication and how Ms. Pfeil broke down the steps of the financing process. The portal software used to upload documents and track what needed to be done was very helpful.
    Stephanie D.
  • Karen was on it from the get go! From the time we went to look at our house until the day we moved in, it was a little less thanRead more
    Lorrie D.
  • Karen was incredibly helpful throughout the process, was able to help me manage everything, and kept me from having to stress to much.
    Noah P.
  • Karen and her staff are very Friendly, helpful and speedy.
    Cassandra K.
  • Karen and the Team were great to work with and made the experience so simple. Highly recommend.
    Derek H.
  • This is are very first home and Karen and her whole team made this very easy! From the very first phone call to the end, they were always available! IRead more
    William R.
  • Quick and easy
    John M.
  • Karen was always available to answer any questions we had. The process was quick & painless, Karen was amazing & I would recommend her to anyone interested in refinancing or purchasing!
    Patricia S.
  • I have done a finance and refinance with this company. It was very easy and fast. I highly recommend this company.
    Troy J.
  • Very responsive to my questions and always knew what to do to help me.
    Jami Lyn H.
  • Karen was amazing. She always knew the answers to my questions and if she didn’t she was quick to find out for me!
    Jami Lyn H.
  • The staff were all very kind. Anytime you needed help or had a question they were there to answer. Very quick with responses back. Loved working with thus company and would recommend to anyone!
    Amber Marie B.
  • Easy to communicate with and always worked to get the best for the customer.
    Travis Scott L.
  • Made it easy
    Dalton Mathew D.
  • Karen was always available and able to answer any questions I had. She was very helpful in the entire home buying process.
    Dalton Steven B.
  • Karen was always there too answer any questions and made this process quicker and easier than I thought it would be. I would recommend 100 out of 100 times. Thank you so much.
    Dalton Steven B.
  • Karen is Very Professional. Karen and her staff provided us with excellent service. They were very knowledgeable and helped us with every step of the process. They made the processRead more
    Clinton Jeffrey F.
  • Expert in the home buying, selling, renting field. Extreme expertise! Plus an awesome person who manages many people going through the home buying process all at once!
    Hunter M. N.
  • Very easy process for someone that had no clue what they were doing!
    Amanda Rose F.
  • She was always available to respond all of our questions and colombia nacernos.
    Ana Milena L.
  • She treated us like we were family ensuring we got the best rate possible.
    Jada Lee W.
  • They keep me up to date and I felt like I was in with the whole process of buying my house.
    Maiah Jade H.
  • Thank you to Karen I was able to get a good loan program, her knowledge and her professionalism made us to possible to buy a home!!!
    Elyzabeth J. V.
  • The thing that stood out the most was how easy C&F made it to upload and complete the necessary documentation. 10/10 experience.
    Aaron William M.
  • Karen was very helpful and
    Terena Carol R.
  • Answered any questions I ever had. Very helpful
    Emily Paige G.
  • Karen and her team did an awesome job helping us purchase our first home. She amd her team was willing to work through some issues that popped up on theRead more
    Jessica W.
  • Karen was always available for questions even on days off and vacations. She gave us helpful advice that potentially saved us lots of money.
    Corey Aaron H.
  • The service
    Delmas R. B.
  • availability and follow through on responses to questions
    Robin L. W.
  • Very knowledgeable and extremely helpful.
    Jessica Lynn L.
  • They kept me updated on every step. And the buying process was easy and very quickly.
    Jamie L. B.
  • Timely communication, very knowledgeable
    Susan Elizabeth S.
  • Great communication and great staff to work with. Fast and effective. I highly recommend Karen and her group at C&F.
    Dean D.
  • This is now the 3rd time we have worked with Karen and the staff in Keyser. Every single instance we have had a great experience, felt ever part of theRead more
    James Frederick G.
  • Karen is amazing! She just makes things happen!
    Steven Wayne M.
  • Organized and Efficient. Clear in all communications. Accurately set expectations.
    Todd C. B.
  • Very smooth process
    Judy A. B.
  • Karen is diligent, communicates well, and I felt supported by her determination in making my first home purchase. She gets the job done and cares about her clients. My experience was GREAT!
    Terena K.
  • Karen was super responsive and helped us through the entire process. She answered any and all questions quickly and easily and is super knowledgable.
    Jeanna H.
  • Fast and easy process
    Jason H.
  • Thank you for all your advice, and patience your expertise and knowledge helped make everything great
    Stephen Wilbur S.
  • Was helpful throughout the whole process and great during closing day.
    Andrew T.
  • Super easy to communicate with! Very nice people!
    Cory W.
  • She is great.
    Felomina Sabug B.
  • They made it a quick and easy process and closed earlier than expected
    Hunter A.
  • I never had to wait or wonder if you or any of your staff had received a communication from me. It was never long before I received an answer orRead more
    Paul Scott K.
  • Quick easy service
    Kimberly A.
  • Karen was very nice. They had my loan finished and had me close before my closing date.
    Danforth B. L.
  • All the gals at CF were terrific! I had some unforeseen hurdles and they never gave up. Thanks to them I now own my family home and am truly grateful.Read more
    Kathy Jean L.
  • C&F made this process super simple and stress free!
    Haley G.
  • Karen is extremely knowledgeable and professional.
    Daniel J. N.
  • Loved the home buying experience and professional service
    Dale R. L.
  • Denise Thompson is the Bees Knees! You all are amazing!
    Zachary Johnson V.
  • Everyone working together
    Cheryl Ann K.
  • Really enjoyed working with Karen and her team! They were always very responsive and made the entire loan process simple. Karen also helped with questions not involving the mortgage process, such as homeowners insurance and even purchasing furniture! Highly recommend!
    Lynmarie L.
  • Karen and her associates make sure you know what is going on in all steps of the process. The online features of the application were flawless.
    William Kenneth A.
  • Karen was quick to respond and made our first home buying experience a great one!
    Blake M.
  • Everything! She made the experience easy and less stressful! We closed earlier than expected and her and her team were amazing throughout it all.
    Amanda M.
  • Karen made our first time home buying experience smooth and understandable. Any questions I had, any time of day or night Karen answered them! Definitely going to recommend Karen to anyone buying a house!
    Taylor F.
  • Karen was really helpful in quickly getting my loan through with a rate and payment that worked for me. Thanks!
    Joshua Allan N.
  • Communication was easy and quick. The whole process was pretty seamless and went quickly. I am extremely happy with the experience I had.
    Noah Silas H.
  • Quick and easy process. Staff was informative. As smooth a transaction as I could ever imagine. Thank you!
    Jeremy Allen W.
  • Karen and her staff are first rate!!! Always there to help and answer any questions, made this such a simple and easy process. Would tell everyone about her and her team.
    Walter D.
  • This is the second home we have purchased with Karen. She is the best in the business!
    Whitney L.
  • I don’t think I have ever worked with a company that was as fluent and helpful as this one. From the beginning to the end, they were available for theRead more
    Michael N.
  • From the first day of getting information onto your website. Until the final days of our last attempt to purchase our home!
    Joyce G.
  • I primarily worked with Karen and Sue. Always received responses timely, often almost immediately. Their Availability was unmatched. Always friendly, kind, and patient! Karen reached out often and madeRead more
    Victoria S.
  • Succeeding after failing. We were given guidelines to meet and Karen helped us have ratios within the accepted level.
    James Gale L.
  • Painless
    Dustin K.
  • Everyone was very friendly and helpful
    Florence C.
  • The only thing that I found unpleasant was the shear number of documents I had to provide. And there were a few times when I had already sent the document that I was asked to send on another occasion.
    Dana S.
  • For the most part smooth process
    Kenneth M.
  • Everyone was excellent to work with! Very fast in responses and friendly.
    Timothy B.
  • Was very impressed how quickly things got done. I've heard horror stories about trying to buy a house. It was a very pleasant process. Thanks again.
    Carolyn A.
  • Very knowledgeable and easy going people to get along with!
    Tristan S.
  • Very quick responses to our questions. No hiccups in the loan process!
    Derek L.
  • Thank you
    Justin D.
    Lisa D.
  • Made buying my first home a breeze.
    Stafford J.
  • Karen was always very helpful and available for any questions or concerns. Her guidance through the process was extremely appreciated.
    Dana L.
  • Everyone was very patient with me.
    Frances Marlene C.
  • This was my husband’s and I first time purchasing a home. We didn’t really know what to expect. Karen’s office would send us papers to digitally sign and return. TheRead more
    Candice M.
  • The communication and updates
    Margaret Ellen B.
  • Moved along rapidly and I was kept up with the progress
    Doris F. C.
  • When I had any question I felt comfortable calling Karen and she was always ready and able to answer my quesrtions.
    Janet Suzanne S.
  • We worked mostly with Jessica Kitzmiller and she was fantastic! She was easy to reach, communicated often and answered all of our questions. She made the process easy and asRead more
    Caroline H.
  • everyone was super helpful this was my first time buying a home and they made it so easy as least stressful as possible.
    Jessica H.
  • My experience was very pleasant and fast...over all experience was great, a little confusing before closing...but we survived...and have a new home!
    Gaye Lynn S.
  • When other failed this Branch stepped up and got things done! Very Fast and Proficient.
    Kevin Jerome W.
  • I really didn’t deal directly with her. My partner in the cabin did most of the work since he is a realtor.
    Leslie E.
  • I was able to email all the info instead of using the doc portal.
    Clayton D.

Why C&F Mortgage?

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.

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.


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


  • 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.


Select the financial institution that you work with from the thumbnail provided below, or by using the search bar to type in the name of your financial institution.


Once the institution has been selected, you will be asked to provide your online login credentials to access your online banking account. Use the same username and password that you normally use to login into your mobile banking account, then click on the “Submit” button to continue.


Our integration will then use your login information to locate your financial account details and then display a list of results confirming the account number and account balance. Check the box next to the account you wish to provide, then select the “Share Account” button to include this information in the loan application. If you have multiple accounts to provide, simply select the “+ Add Another Account” link below the results to start this process again until all assets are listed.


Once all information is entered and the loan application completed, all of this information will be securely sent to your loan officer’s loan processing system where they will be able to continue the process of getting your loan created and arrange for next steps towards completing the process.

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 informing you that we will be connecting using our income provider to import that information. Click on ‘Get Started’ to begin the process.


A window will then display where “Employment Records” can be selected as the information needed. Once that is checked, select the “Submit” button to continue.


In order to locate the employment records, you will need to enter the last 4 of your Social Security Number, before clicking on the “Next” button to continue.


After a moment of searching, there will be confirmation of the employment records being found. To review the information that you want to be associated with the loan application, you can choose what type of employment record you would like, then select the “Next” button to proceed.

Note: This first record selected should be the information of your current primary employer. There will be future steps allowing to include other employers/income streams.


Once the initial employer information has been selected, the option to add additional information of employment, be it self-employed or otherwise, will be allowed. Checking those options will repeat the initial process. After all information has been added, the “No I’m done” option should be selected.


The final screen you come to will confirm that you have selected to share all the “Employment records” you chose for the application. Clicking on the “Submit” button will generate the employment report and allow you to continue filling out the remaining sections of the loan application as normal.

If your employer does not show up in the search and you receive the message below and be redirected to manually enter your income and employment information.


Screen to manually enter Employment and income if it does not automatically populate.


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.


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.

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