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
Simple and painless process from start to end. I am certain there had to have been issues, but I never knew about them. Valerie and her team took care of everything
5.00
Kimberley D.
September 04, 2024
Valerie is very helpful and super responsive. She went and above and beyond to guide and help me through out the process. I couldn't ask for much better loan officer.
5.00
Narasimha S.
August 28, 2024
Never thought buying would be so straightforward. It was a pleasant experience and the people were excellent to deal with.
5.00
Bobby T.
August 21, 2024
Val was so amazing and really answered all my crazy questions. Thanks for your help Val!
5.00
Maribel S.
August 16, 2024
Valerie is the best with numbers! She make my dream come true to be a homeowner! Several time I need my numbers for different houses applications and she make them so fast! Thanks you!
5.00
Ileen Z.
August 11, 2024
Job well done. Awesome service. Couldn't ask for anything better.
5.00
Antione R.
August 08, 2024
AWESOME. So EASY, professional, Friendly, quick responses, NO ISSUES. Feel Like I made a new friend
5.00
Patrick P.
July 23, 2024
It was a great experience and I love my new home thank you so much team
5.00
Abdulai K.
July 22, 2024
Valerie did an amazing job helping us buy our first home. She always took the time to explain things to us and was quick to answer any of our questionsthat we had. She advocated for us when issues arose and made the process easy for us. I would recommend her to any of our friends looking to buy a house!Read more
5.00
Anna B.
July 17, 2024
Very simple process and was always updated on what was happening
5.00
Kellie T.
July 12, 2024
Does a great job
5.00
Jason M.
July 12, 2024
Valerie is the standard for ALL Loan Officers
5.00
Samuel M.
July 10, 2024
It was wonderful. Valerie is so sweet and helpful.
5.00
Martha B.
July 10, 2024
We could not have ask for anyone better than Valerie. She went above and beyond the whole process.
5.00
Nathan S.
July 01, 2024
Amazing!
5.00
Berkley C.
June 10, 2024
I am so happy we found Valerie and her team, they made our home buying experience easy and painless. Valerie is truly enigmatic, engaging and phenomenal to work with, shewas very thorough and provided her expertise and time whenever it was needed, and her team worked tirelessly to help in securing the exact mortgage we had wanted. I will be recommending her to all of my friends when they are ready to purchase a home. We couldn’t be happier with everything she and her team did for us, and we Ho early can’t say enough good things about her. Read more
5.00
Kristen H.
May 08, 2024
First time every thing went smoothly
5.00
Ernest S.
April 21, 2024
Fast and easy
5.00
Sandra M.
April 19, 2024
Fast and easy
5.00
Sandra M.
April 16, 2024
Our loan officer was the best part of our building experience. If we could give more than 5 stars I would.
5.00
Kevin R.
April 15, 2024
Valerie was absolutely amazing! She deserves all the stars! She was so easy to work with. She was prompt and attentive! She makes you feel like she has known youfor years which is so nice during a stressful period! I would recommend her to anyone that ever needed help buying a home! Read more
5.00
Christina D.
April 04, 2024
Everything went smoothly.
5.00
Heather M.
April 03, 2024
Valerie was there every step of the way with every little question I had.
5.00
Jasmyne G.
March 14, 2024
Absolutely perfect! We had had a tight schedule and they helped to make it happen! Highly recommend!
5.00
Brandon H.
March 08, 2024
Made us feel like a family, and they were not bothered by the million questions we had. Took the time to explain all the details to us till we understood them fully. Would recommend them to anyone
5.00
Shannon C.
February 27, 2024
Good experience
5.00
Juan A.
February 05, 2024
GREAT
5.00
Robert S.
January 17, 2024
Valerie Holbrook was amazing to work with. She explained everything from beginning to end and went above and beyond to assist me with how to retrieve the required documentsthat were required for closing my loan. She was patient and answered all of my questions and/or concerns. She followed through on all her promises and made me feel comfortable from the start.Read more
5.00
Dawn C.
January 05, 2024
Valerie was the ABSOLUTE BEST for my refi. She was supportive, responsive and so helpful throughout the entire process.
5.00
Amy E.
January 03, 2024
Valerie was SO helpful to us getting our loan. She looked countlessly on ways to get our payment down and get us the best rate. We adjusted things multiple times,and she was always happy to do it. we are so thankful for Valerie and all her help! Read more
5.00
John C.
December 10, 2023
Ms. Valerie is very knowledgable. I trusted her judge 100%, found a house and purchased a house with equity going in to new purchase. Thank you Ms. Valerie.
5.00
Jean M.
November 30, 2023
Valerie has am amazing personality and she is ready to address clients needs and answers questions accurately at all time. she goes above and beyond for customer. Thank you Valerie you make the road for buying a house easy????
5.00
Kadiatu B.
November 10, 2023
Valerie was exceptional! Her attentiveness to our specific needs, ability to “read the room” and the mere fact that she held our hands until we signed the papers made this the best experience we’ve ever had.
5.00
Charles H.
October 06, 2023
Great
5.00
William K.
October 03, 2023
Easy peasy from start to finish. Valerie kept us up to date every step of the way.
5.00
Steven C.
September 25, 2023
Valerie was amazing to work with always professional, and set time aside to make sure we understood everything about our house buying experience would recommend her to anybody
5.00
Katie H.
August 18, 2023
Great experience, would recommend.
5.00
Jamie S.
August 03, 2023
Valerie made our 800 mile move seamless. She kept us aware of every step in the process. She was easily accessable by phone or email whenever we had questions.
5.00
Donna Z.
July 23, 2023
Valerie was such a pleasure to work with. She was always available and so helpful with all my questions.
5.00
Alicia J.
July 05, 2023
Valerie went above and beyond helping me through this process.
5.00
Kerri S.
June 09, 2023
Fantastic experience. We are repeat customers and would always use Valerie for our mortgage needs!
5.00
Chelsea D.
June 04, 2023
Valerie was super helpful, 1010 would recommend.
5.00
Carleigh B.
June 04, 2023
Valerie is an angel! She was very thorough and answered our MANY questions from the first of our journey to the beautiful ending! We have recommended her to our friends and family ! Love you so much Valerie 🙂
5.00
Kimberly C.
June 02, 2023
Valerie is super responsive, thorough, and was so valuable to us during this process. I can’t imagine working with anyone else other than Valerie! She was recommended to usby our friends, and I’m so glad we worked with her. Thank you Valerie for everything you did for us!Read more
5.00
Madeleine C.
May 31, 2023
Valerie was a great help thru out our closing process. we would recommend her to our family and friends for future purchases.
5.00
Kinjalben Abhishek P.
May 22, 2023
Valerie is an amazing woman. She looked out for us and made sure we were well cared for. She calmed me when I was stressed about potential issues and keptus on track towards our goal. We were blessed to be able to work with her.Read more
5.00
Gina R K.
April 22, 2023
Everything was explained clearly, the process went by very quick and simply.
5.00
Shay L C.
April 20, 2023
She is absolutely amazing! I don't think we would have made it through this process without her! She is very easy to get in touch with and can answer every question you have.
5.00
Andrea C C.
April 20, 2023
Valerie from the beginning made the whole process easy and stress free. She explained everything so well and we always felt supported by Valerie. She is the only person wewill ever want to have help us with our loan. Valerie is truly an amazing human being and your company should definitely give her a raise, he more than deserves it.Read more
5.00
Hayley P L.
April 15, 2023
Valerie went above and beyond to ensure my Wife and I had a painless homebuying experience! I would recommend Valerie to anyone who is trying to mortgage their home in the Greater Richmond Region!
5.00
Domenic F.
March 04, 2023
Very quick responses, extremely courteous and easy to work with. Valerie went above and beyond to ensure that our homebuying experience was as painless as possible!
5.00
Jessica F.
March 04, 2023
Valerie and her team were super responsive and so helpful throughout the whole process. They care about their clients and truly want what is best for them. We're so grateful to them for making our loan process so smooth.
5.00
Katherine C.
February 21, 2023
Valerie went above and beyond. We went under contract just before the Christmas holiday and she was available every step of the way. She educated us on the loan processand sent us multiple loan scenarios so we could understand what our monthly payments would look like with different loan options. Valerie was incredible and we felt like we were in good hands throughout the entire process.Read more
5.00
Emily M.
February 02, 2023
Valerie and team were super proactive in their communication, guidance and availability. They made the entire process easy and pleasant!
5.00
Christopher C.
January 31, 2023
Everything done fast and in professional manner
4.33
Salah G E.
January 15, 2023
IT WAS VERY FAST AND PERFECT JOB AND SHE KNOW HER JOB WILL AND MAKE ME AND MY KIDS HAPPY .THANK YOU VERY MUCH FOR YOU DID FOR US.
5.00
Nada H K.
January 04, 2023
Valerie walked us through the process step by step and made herself available anytime to answer any questions we had. She truly cares about her clients and making the processas smooth as possible. I value her expertise and care for people and would highly recommended her to others!Read more
5.00
Melissa Von Herbulis C.
December 09, 2022
Val was outstanding to work with on the mortgage for our new home. Her communication was consistent, thorough, and frequent. She is extremely knowledgeable and she always made herself availableto us whenever we had questions or we wanted to talk through various loan scenarios.
It was the most pleasant and easiest mortgage process I've ever had.
I would highly recommend Val to anyone needing a mortgage!Read more
5.00
Christopher P. M.
November 07, 2022
Valerie is amazing at what she does! My fiancé and I were first time home buyers and Valerie made the process so easy and less daunting. She was there togive us advice when we needed it and was always so supportive of our decisions. We would recommend Valerie to anyone looking to buy a home!Read more
5.00
Olivia G.
September 30, 2022
It was a quick and easy process. Great communication.
4.16
John A.
September 30, 2022
Valerie was always available for questions. I felt that she was a true partner in my home purchase journey.
I plan on looking for another property in 2023 and Valerie wi be my first call.
5.00
Kathy J.
September 27, 2022
Everything was great easy friendly and I had to do little as possible as val did everything and very fast made the experience very easy
5.00
Lacy A.
September 26, 2022
Great communication, very helpful
5.00
Melissa R.
September 23, 2022
Responsiveness and customer service.
5.00
Sean M.
September 23, 2022
I didn’t know much at all about mortgage loans or how to even get started. Valerie was very helpful and was there every step of the way to help methrough it. She answered any questions that I had and made me feel confident in the whole home buying experience.Read more
5.00
James R C.
May 08, 2022
Valerie is awesome! She always responded very quickly when I had questions and was always available- even when on vacation! Thank you!!!
5.00
Semir S.
April 22, 2022
Valerie made this entire process phenomenal. From the start of putting an offer in for a house all the way to the finish of signing documents at settlement she mademe feel like I was her only client. I cannot stress how exceptional of an employee she is and I will be recommending her to anyone and everyone I know that is interested in buying a house in the Richmond area.
Val was always extremely responsive when I called or texted her, she answered all of my questions in elaborate detail, and she held my hand through the whole process of buying my first home. Never in my life have I had service as impeccable as hers with any other service based company. Do everything you can to make sure that she stays on your team and is rewarded for her constant "above and beyond" attitude with her clients.
Val even came to my settlement and helped explain some of the documents lawyers were rushing through with me. We still keep in touch even after our business has concluded, and I can tell she really cares about her clients and gives 110%. If I could give her more than 5/5 stars I think I would give her a 7/5. You really have a special person here and don't take that for granted.
-EvanRead more
5.00
Evan B G.
April 20, 2022
She did every possible thing to achieve what I needed in order to able to get my new home, and I couldn’t have been more thankful to work and meetthis woman. Truly the best part of my experience was having to got to work with her.Read more
5.00
Katrina N S.
April 19, 2022
Valerie was an incredible partner through the whole
Process. She made what was a little bit scary and overwhelming very easy & doable! Thank you Valerie!
Lynnleigh Maloney
5.00
Lynnleigh S M.
April 12, 2022
She just gets her JOB done and done right!
5.00
Anna Marie H M.
March 31, 2022
Valerie was so nice and helpful & her team were very good as well. She answered all my questions and explained everything very well. She is a joy to work with.
5.00
Farnaz D C.
March 18, 2022
Great service
5.00
E Sean T.
January 17, 2022
Valerie was always willing to go the extra mile to help me out. There were many late nights that she responded to my emails immediately! Overall, buying my first home was a wonderful experience because of Valerie!!
5.00
Megan E A.
January 06, 2022
Valerie and crew could not have been more pleasant and professional. Top rated
5.00
Ali R T.
December 29, 2021
Valerie was great to work with. Her communication was excellent and she was easy to get a hold off to answer any questions we had. We highly recommend Valerie.
5.00
samork23 .
December 21, 2021
Valerie is amazing and so patient. I would highly recommend her.
5.00
Chansok S O.
December 18, 2021
Valerie made sure we stayed on track and closed by our original closing date.
4.50
Jenelle L P.
November 09, 2021
I felt like the team made every effort possible to get me in a home. I am very appreciative.
5.00
Rondel C C.
October 21, 2021
Time efficient, good communication, honesty/openess, trustworthy
5.00
Kaylyn M S.
October 15, 2021
Valerie Holbrook is truly special! She is both a professional of the highest degree and an incredibly caring person. Valerie is fantastic and I would recommend her to anyone looking for a GREAT loan officer.
5.00
Whitney C. T.
September 27, 2021
Valerie is very professional and friendly, she is really knowledgeable about the process and she is a pleasure to work with. She always took good care of me and I will recommend her company as often as I can.
5.00
Valerie D C.
September 18, 2021
I've never done this before, and was getting confused by different lenders and terms. Valerie patiently explained everything to me, and got me on the right track to successfully refinancemy home after a divorce. I highly recommend her to anyone who who needs mortage and refinance help!Read more
5.00
Cheryl L P.
September 13, 2021
Valerie was very attentive and worked with us to restart the entire loan process. She provided timely updates and made the experience SO much better from beginning to end. Wegreatly appreciate her guidance and determination to keep the ball rolling until the end. We can't thank Valerie enough!!Read more
5.00
Marie Y C.
August 25, 2021
As first time homebuyers, we were inexperienced with the mortgage lending process. Valerie was able to guide us through this process for the first time, answering all the questions wehad along the way! Without her help and availability on a moment’s notice, it would have been a much more challenging process!Read more
5.00
Philip P.
August 24, 2021
They explained the loan process step by step and answered any question that I had quickly
4.83
Lillian L.
August 24, 2021
Valerie was always on top of my purchase of my new home. She was proactive and always provided excellent customer service. She is definitely an asset to your organization.
5.00
Carolyn L.
August 23, 2021
Valerie provided guidance and support even prior to submitting an application. She was very clear and laid out all of our available options. Valerie and her team hit the groundrunning from the moment an application was created. She answered questions quickly and provided a sense of calm in the midst of the craziness. Our family is/was truly grateful for having her onboard our team!!Read more
5.00
Marie Y C.
August 19, 2021
Valerie answered all of our questions, provided helpful information up front, and responded quickly!
5.00
Nikki N.
August 18, 2021
Answers your questions
5.00
Christopher C S.
August 17, 2021
The good communication between me and my loan officer
5.00
Jevon B M.
August 11, 2021
To be honest, I was nervous going into the loan/home buying process. I'm not even sure why because Valerie was ON IT. From start to finish Valerie answered my (manymany) questions, helped provide expert advice and guidance from application to closing. If you are looking for the ideal loan experience with an industry expert, call Valerie like yesterday! My family and I are blessed to have Valerie as a trusted friend and advisor. Thank you for helping make a decade long dream come true!!Read more
5.00
Sharon D.
July 29, 2021
Great communication and fast responses. Always pleasant. Just a joy to work with!
5.00
Lauren S.
July 06, 2021
Valerie was very responsive and helpful. We really appreciate how quickly and effectively she worked to get us to closing.
5.00
Andrea R.
July 02, 2021
I can’t put into words exactly how we feel about Valerie, except she is exceptionally well at her job. We can’t thank her enough for the countless hours she putinto our home buying process. We felt like family when she was working with us. My family truly appreciates her. Despite how crazy the market is right now we we’re able to find our dream home. Much love Campbell Family!Read more
5.00
Cory L.
June 30, 2021
Valerie was very helpful in all aspects of the loan process even if there was something that was not specifically part of her job. I would highly recommend this lender
5.00
Daniel L.
June 16, 2021
She was very pleasant and helpful
5.00
Bialines A.
June 09, 2021
Valerie was very great and helpful to us if there was any questions she answered them right away and is very knowledgeable I would recommend anyone to use her 100%
5.00
Colby S.
May 20, 2021
I loved always having communication with Valerie. She was always there to help. I would 100% recommend her to anyone!
5.00
Kristen W.
May 20, 2021
Valerie was friendly and easy to work with. She had awesome advice and was very knowledgeable. She took the time to answer my questions. She was very prompt with herresponses to email, phone calls and text messages. She always sent a messages to make me aware of how things were progressing with the process. She was great!Read more
5.00
Krista K.
May 15, 2021
Valerie was super helpful, super responsive, and very easy to work with. I would highly recommend her for your mortgage needs!
5.00
Dustin E.
May 10, 2021
Valerie made this entire process so easy. She was open and honest throughout and made everything simple to understand. She was always available to talk, regardless of when I called.Valerie really makes you feel like you are her only client, I’m so appreciative of her hard work! I would not go through any other agent...Not to mention the rate I got and the money I will be saving on this refinance. Thank you Valerie!!!Read more
5.00
Melissa A.
April 18, 2021
Valerie was amazing at explaining anything we had questions about. She was knowledgeable and always there to help. She definitely made this process so easy and pleasant.
5.00
Meagan L.
April 16, 2021
Valerie was helpful
5.00
Robyn A.
April 13, 2021
We had dealt with 2 other lenders an we were referred to Valerie just to see if she could beat the competition. Needless to say she slayed it, probably oneof the best referrals I've ever received. She walked us through step for step from start to finish for the whole process. She would reply to any questions we had in a timely manner around the clock even on a Sunday. I would strongly recommend Valerie for anyone looking to purchase a home.Read more
5.00
Tracy R.
April 13, 2021
In one word, Valerie. Her style of communication, professionalism, and ability to remain patient during unforseen complexity made for a confident closing on my part. A great rate, and a great representive ...Thanks .
5.00
Rolf R.
April 03, 2021
There is so much to love about Valerie. She is prompt, courteous, knowledgeable, creative, assertive, and she cares about her clients. She goes above and beyond to help her clientsthrough the loan process. She does much more than her clients know about to help them through the process. I have several loans with her now and several in the past and I recommended her yesterday and last week and will continue to do so in the future.Read more
5.00
Julie V.
April 02, 2021
Valerie was amazing! She was there for us and supported us through every step of the process. We couldn't have done it without her.
5.00
Emily J.
April 01, 2021
This was my second time working with Valerie and C&F and I would never want to work with anyone else. The level of survive is spectacular and she was alwayswilling to answer any and all questions. She made what could’ve been a stressful process, amen smooth and seamless. Thank you so much!Read more
5.00
Stephanie L.
March 27, 2021
Communication efficient and thorough. Document upload system easy to use. Rates great
4.83
Sarah F.
March 26, 2021
Valerie was patient and very helpful during my loan process. She answered all the questions I had in a very timely manner. I have thoroughly enjoyed working with Valerie in this somewhat intimidating process!
5.00
Ann B.
March 18, 2021
Valerie was a pleasure to work with. You always hear how home buying can be so stressful and Valerie made the process so easy and stress free. I would 10out of 10 recommend Valerie to anyone who is interested in purchasing a home. She is quick to respond to any questions you may have which in this market with homes flying off the shelves was so helpful. Thank you Valerie for everything.Read more
5.00
Amanda D.
March 10, 2021
Valerie is very passionate about what she does! I am a realtor, and I have referred her to many clients in the past, because I know how great she is,so it was only natural for me to use her for my own financing needs. Valerie understands what her customers need, and is upfront with them every step of the way, and because of this, it creates an environment of trust and makes for a smooth transaction.
I am grateful for her help!Read more
5.00
Francis L.
January 16, 2021
Valerie was great to work with. Super knowledgeable. She did a great job keeping us informed. Besides that she is just a nice person.
5.00
Kenneth W.
January 09, 2021
Very informative and made the procedure with no stress.
5.00
Robert W.
January 07, 2021
Valerie!
5.00
Aaron M.
January 03, 2021
Valarie made refinancing very simple. She broke down each different loan and their pros and cons. We never felt pushed into making a decision.
5.00
Zachary S.
January 03, 2021
Valerie worked hard all hours of the day to process our loan. She was helpful, friendly, and knowledgeable!
5.00
Ramsay B.
December 29, 2020
Valerie is wonderful. She is very kind and personable while incredibly knowledgeable and professional. She has helped us with the purchase of our first home and now our second. I could not recommend her more highly.
5.00
Miranda L.
December 22, 2020
Valerie was quick, responsive, and kept the process moving. She was amazing to work with. Great follow through.
5.00
Wanda S.
December 16, 2020
Frequent communication, professional and kind
5.00
Amy D.
December 14, 2020
Completely on top of entire process from beginning to end. Responses were timely, even at nighttime. Closed on time. No hiccups along the way at all.
5.00
Buford M.
December 09, 2020
Valerie was awesome to work with. She gave me a lot of options, helped me lay out the best plan, and worked hard to get me exactly what I needed.The process was smooth and relatively painless! I’m grateful for her insight and professionalism - I’d definitely recommend!Read more
5.00
Sara L.
December 03, 2020
She helped us immediately with anything we needed and was always willing to explain anything!!! She was available literally any time it seemed like! We love her!!
5.00
Amy M.
December 01, 2020
Valerie and team were great. We had no problem getting our loan accepted and processed.
5.00
Daniel T.
November 28, 2020
Valerie was a great communicator and was so helpful. She answered all of our questions and was a pleasure to work with.
5.00
Anne W.
November 20, 2020
Valerie was so flexible in making time to answer any question my sister and I had plus she was just so approachable for us. She gave us honest answers whichfor first time home buyers, we greatly appreciated. She was a dream to work with. I would recommend her to anyone.Read more
5.00
Laura W.
November 18, 2020
Great follow up, professional, always got right back when we had questions. Valerie offered a very effective alternative to just refinancing which we went with. She really cares about her clients.
Valerie is the BEST.
5.00
Michael L.
November 11, 2020
Valerie was a great advisor to me throughout my process and was very flexible to work with!
4.50
Christopher J.
November 10, 2020
Valerie always answered my questions quickly! She is wonderful and this is my second time working with her. She makes the process less stressful!
5.00
Jaime E.
October 29, 2020
Fast, friendly and effective.
5.00
Samantha R.
October 20, 2020
Great communication. Very attentive to customers needs. Always helpful.
4.83
Andrew D.
October 14, 2020
I was kept well informed on a regular basis about all aspects of my loan process.
4.83
David L.
October 10, 2020
Personable, attentive, clear communication
5.00
Ali R.
September 29, 2020
Friendly, professional and assisting when needing help with questions quickly. Great all around asset to the C&F team.
5.00
Tammy J.
September 29, 2020
Valerie, was very professional and there to answer all my questions and concerns. Valerie also explained any and all of the process as we went through the mortgage process. Icouldn’t ask for better service than I received with Valerie. I will be referring Valerie and You all to all my friends and familyRead more
5.00
Robert A.
September 25, 2020
Excellent service and easy process!
5.00
Justin M.
September 24, 2020
Valerie was extremely knowledgeable and helpful throughout the entire process--- made it such a breeze!
5.00
Madeline H.
September 21, 2020
Valerie made herself available to answer any of my questions and communicate with our mortgage company and real estate agent. She answered calls in the weekend and afterbusiness hours which is above and beyond, and she was 9 months pregnant! We were first time home buyers and She was knowledgeable, flexible (writing up multiple offers on houses) and in our corner. We never would have got the low interest rate we did and secured our house if it weren’t for the hustle she put forth.Read more
5.00
Jill P.
September 20, 2020
Valerie was so great to work with. She was patient and made the process super easy.
5.00
Melissa L.
September 19, 2020
Valerie was always on top of things. She explained everything and made the stressful pieces more bearable.
5.00
Kristin M.
September 19, 2020
Valerie was very great at everything every step of the way. She worked very hard to help our family move in to our new home. Very great service and very professional. Top Notch.
Michael Ritenour & Family
5.00
Michael R.
September 17, 2020
Valerie is AMAZING! She was always available to answer my questions and she locked us in at an even lower rate than we first thigh we would get. She is my loan officer for life!
5.00
Sarah T.
September 17, 2020
This was mine and my boyfriend's first home buying experience and Valerie made it SO easy to go through the whole loan process. I would recommend her to friends, family, and anyone else looking to buy a house!!
5.00
Molly H.
September 16, 2020
Valerie and and the team at C&F made the home buying expierence less stressful. Valerie was was more than accommodating, answered every question and walked through my concerns with me.There was full transparency through the entire process. Honestly, I can't say enough great things about Valerie and her team.Read more
5.00
Christina B.
September 16, 2020
Valerie was on top of every aspect of my mortgage experience. She provided great communication and somehow, despite knowing that I am not, makes the experience feel like you areher only client. She was excellent to work with and I will absolutely recommend her to friends and family.Read more
5.00
Todd S.
September 16, 2020
Great communication throughout the entire process. And not just treating me like another number on her computer screen. Valerie was very helpful as a friend and loan officer at the same time.
4.83
Rex L.
September 16, 2020
Valerie is an angel! She made the home buying process I had been told was a nightmare a breeze. She works hard all day to get you where you needto be and is so incredibly helpful with taking all the information you need to move forward (A LOT of information) and simplifying for you! We purchased twice and have gone with Valerie both times and will continue to give her my business as well as recommend her to my friends and clients!Read more
5.00
Brittany K.
September 16, 2020
The whole process was seamless! This was our first house and first refinance experience and we are set for life now with Valerie!
5.00
David E.
September 16, 2020
Valerie went above and beyond getting me setup with my refinance. We emailed for 61 days until the refinance rate was right, then pulled the trigger. She seemingly was alwayssomehow available for my 1000 questions no matter what time I asked them. At no point did I feel lost and have any level of mistrust. She was very clear and to the point with every detail and left nothing out. She’ll be my first call for a refinance in the future. It was absolutely wonderful working with Valerie!Read more
5.00
Patrick B.
September 16, 2020
personal and prompt communication and availability, user friendly electronic systems for completing documentation
5.00
Parisa T.
September 16, 2020
We had been using another lender who made us feel like as 1st time home buyers, our questions to them were bothersome. Treated us like a customer and not afriend. They took forever to respond.. not Valerie! Ever! We are in our home because of Valerie! And I have already referred her to my brother and sister in law who are working with her now! So grateful! She’s AMAZING!Read more
5.00
Casey H.
September 16, 2020
Valerie was professional, informative, patient, and a delight to work with. Any questions or concerns I had were met with a swift explanation or solution. She made me feel like family.
5.00
Harrison P.
September 15, 2020
I was having problems getting company's of my checks from my bank! Argent is absoluty horrible. Valeria went out of her why to get them straight. She went up anbeyond! She is the best that your bank has ever had. You all should be greatful to have Valerie Holbrook.Read more
5.00
Tracey L.
September 15, 2020
Valerie was absolutely amazing! She was always available to talk and was so personable. All of our questions were answered before we even had the chance to ask them. Valerieis so thorough and we are so happy we had her as a part of our team when looking for our first house!Read more
5.00
Samantha L.
September 15, 2020
Valerie made the process so simple. Explained everyone of my many questions so I would understand better.
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.
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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.