Ann Painter 2023 500
Ann Painter

Harrisonburg Market Leader / Loan Officer, NMLS# 1071320

Address: 520 Lew Dewitt Blvd Suites 104 and 105, Waynesboro, Virginia 22980
O: 540.433.7140 M: 540.271.0145 F: 804.419.8789
E: apainter@cfmortgagecorp.com

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.

Customer Reviews

  • Very smooth process and quick to respond to my questions
    5.00
    Ellen F.
    October 01, 2024
  • Ann Painter and the team were great. She was proactive, keeping me up-to-date on everything that was happening, when, how, and what I could expect. If IRead more
    5.00
    William E.
    September 08, 2024
  • .
    5.00
    Quintin W.
    August 30, 2024
  • Ann was outstanding. Excellent customer service. She answered every question I had promptly via text or phone. I had an A+ experience.
    5.00
    Herschel S.
    August 30, 2024
  • I enjoyed working with my mortgage lender, Ann Painter
    5.00
    David M.
    June 17, 2024
  • Ann could not have done any better with assisting us through the whole process. She is great and we appreciate all she did!
    5.00
    Morgan A.
    March 19, 2024
  • Ann was wonderful the whole experience smooth
    5.00
    Gregory L.
    November 02, 2023
  • Anne was wonderful and always willing to help me!
    4.00
    Danny J.
    November 01, 2023
  • Ann and c&f was wonderful to work with. This was our third time working with them and we knew we wanted to use Ann again, even after she relocated. Couldn't ask for a better experience!
    5.00
    Kaylin P.
    October 03, 2023
  • Anne was very responsive and tenative to all my questions as a first time homebuyer. She got us closed quickly. I appericate her more than she knows.
    5.00
    Ashley G.
    June 29, 2023
  • Ann is very nice and a friendly person. She explained things very well and she was always available to answer my questions. It was nice being able to speak withRead more
    5.00
    Patricia Ann C.
    May 11, 2022
  • Very helpful was always able to answer any questions we had. Ann made this an easy process for us
    5.00
    Lauren Elizabeth I.
    April 20, 2022
  • Yes great everything
    5.00
    Soran M.
    February 04, 2022
  • Thanks for helping us
    5.00
    Alison E M.
    December 10, 2021
  • Ann makes this whole process so easy to get through, she took excellent care of us every step of the way!
    5.00
    Brandy R P.
    December 03, 2021
  • Pretty much stress free & smooth sailing. A great experience!
    5.00
    Jennifer Lynn S.
    November 25, 2021
  • My experience with C&F Mortgage Corporation Was the GREAT! Their service made it very stress free for me and always there when I needed assistance. All my questions were answered quickly and precisely. Definitely recommend!!!
    5.00
    Kelin C.
    November 13, 2021
  • Great job !!!!!
    5.00
    Milton Alexander S.
    November 07, 2021
  • As soon as I walked into the office and met with Ann she made me feel very comfortable, we spoke of families and people we know. She went over eachRead more
    5.00
    Daniel M.
    October 13, 2021
  • Ann was quick to respond from the beginning. She was patient with me and always willing to help explain and answer all my questions. She made the process easy andRead more
    5.00
    Amanda Dawn C.
    October 06, 2021
  • Always answers her phone and helps to the best extent possible! She helped me every step of the way with my first home purchase and I can’t be more thankful.
    5.00
    Caleb Marion G.
    October 05, 2021
  • Ann stayed in touch constantely every step of the way.Always answered my calls or called me right back if she was busy.Ann was fantastic to work with!
    5.00
    William Robert R.
    September 29, 2021
  • Prompt communication, very personalized and helpful
    5.00
    TAMMY JO C.
    September 16, 2021
  • Ann was always willing to answer any questions I had and communication during the entire process was great!
    5.00
    Leo Alfredo F.
    August 18, 2021
  • Ann was great.
    4.83
    Crystal A.
    July 13, 2021
  • Ann was such a great help! She made everything really easy for us to understand and always found a solution to our problems!
    5.00
    Ana S.
    June 23, 2021
  • Ann and her team handled our process with ease. Any issues that came up they were on top it. This is the 2nd time we've used C&F and both experiences were great.
    5.00
    Amber S.
    June 15, 2021
  • Ann was available when ever I needed. She answered all my questions and was very professional
    5.00
    Michael L.
    June 10, 2021
  • She was involved in the whole process. Every time I had a question or a doubt she was there and that was the best part. Highly recommended and I would do it again. Thanks.
    5.00
    Osmany A.
    April 26, 2021
  • Do to covid 19 I never met Ann or anyone from C&F mortgage but I never had a problem or a question that couldn't be answered by email in oneRead more
    5.00
    Daniel N.
    April 22, 2021
  • Great experience!
    5.00
    Sarah L.
    April 10, 2021
  • This process was made very painless on my end (very much unlike when our home was purchased originally with a different company). I provided paperwork when asked to, but everythingRead more
    5.00
    Christina M.
    April 06, 2021
  • All my questions were answered and they worked with me along the way in every aspect.
    4.17
    Jeremias C.
    March 27, 2021
  • The communication was outstanding and the help we received! Made the whole process smooth. Thank y’all!
    5.00
    Juan C.
    February 18, 2021
  • Ann Painter has been extremely helpful with the whole process of buying my home. She answered every question I had and made sure I understood what she meant. I wasRead more
    5.00
    Anthony M.
    February 09, 2021
  • The help we received allowed us to get the refinance that we wanted.
    5.00
    Corrie S.
    February 02, 2021
  • Always there to answer my questions, Quick response time and got us a great deal! Couldn’t be happier. We have used them 3 times now and will always stick with them if this is how we are treated. Great job!
    5.00
    Kelly R.
    January 29, 2021
  • This is the fourth time I've worked with Ann on a mortgage and each time was pleasant and smooth. She answers questions quickly and makes a stressful process much easier.
    5.00
    Brenda H.
    January 27, 2021
  • Everything
    5.00
    Jose E.
    January 08, 2021
  • Everything was very smooth. Any time I had questions when I called Anne was there to answer my questions.
    5.00
    Michael L.
    December 11, 2020
  • Ann is very helpful and stays in close contact throughout then entire process.
    5.00
    Lincoln T.
    December 09, 2020
  • Great service! Always on time and highly professional!
    5.00
    Lolis B.
    December 09, 2020
  • We were helped every step of the way which was great because we’ve never bought a home .
    5.00
    Alejandra A.
    December 05, 2020
  • They were very helpful with me throughout the whole process
    5.00
    Maribel S.
    November 14, 2020
  • Ann was great to work with very knowledgeable and helpful. I would recommend her to anyone
    5.00
    Joshua C.
    November 12, 2020
  • Buying a house during a pandemic is daunting. Especially when meeting face to face with someone is not always an option. Ann worked so hard for us and explained everythingRead more
    5.00
    Marc S.
    October 23, 2020
  • My experience was excelent Many papers yo complet, to get but those were necessary.
    5.00
    Robinson A.
    October 05, 2020
  • Highly recommended
    5.00
    Rebecca A.
    September 25, 2020
  • Ann is very responsive to questions and email. We appreciate that she reached out to us and inquired if we will be interested in refinancing. We would have not goneRead more
    5.00
    Buenafe T.
    September 05, 2020
  • Ann really went the extra mile to help us get this done. We had to scratch and claw to get the refinance done and Ann kept us informed and workedRead more
    5.00
    Ben B.
    September 02, 2020
  • She did a very good job. Thank you.
    5.00
    Lin D.
    September 01, 2020
  • Ann was great to work with while buying my first home.
    5.00
    Coty G.
    September 01, 2020
  • Ann was quick to respond to all of our questions, and always answered all of our calls. She made getting a mortgage loan during COVID-19 as least stressful as possible.
    5.00
    Carly F.
    September 01, 2020

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.

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