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
Chaytor and his team where a dream to work with. They are on top of it for sure. I will highly recommend anyone I know to call Chaytor and his team!
5.00
Kara D.
May 22, 2023
Chaytor, Alecia, and Mollie.
5.00
Larry Tyrone G.
May 08, 2023
you made my husband Tyrone and I feel very comfortable in your company. Even the first night we met in your office. it was almost like we were friends foreverand you were easy to work with and you helped us with all our questions and to get all our ducks in a row. C&F is an awesome lending company to work with you made it happen in a timely matter. Actually it was a record breaking timing,19 days total wow, it was great I will recommend anyone and everyone to you all l was in awe. Actually we enjoyed our experience with C&F company. Thank you so much thank you ,thank you thank you. MJRead more
5.00
Mary Jean R.
May 08, 2023
Help us through the entire process and made the home buying experience easy to navigate.
5.00
William Edward R.
April 13, 2023
Chaytor was very knowledgeable and personable. I felt understood and that he actually listened to our needs. We did this whole process remotely since I was out of state andit has been the easiest loan process I have gone through.Read more
5.00
Peter Julius H.
April 04, 2023
The people that I dealt with throughout the whole process were professional and could not do enough for us. They made the whole process a pleasure. If any information hadto be communicated it was done promptly. Overall I would recommend this bank to everyone. What a pleasure Sincerely yours Craig and Patty SagerRead more
5.00
Craig S S.
March 29, 2023
Chaytor and his team are phenomenal. The solid advice, reliable information, and great communication throughout the process are why I used him more than once.
5.00
Christopher M.
March 29, 2023
Chaytor is knowledgeable and professional. Always felt he had our best interests front and center.
5.00
Maria C F.
March 20, 2023
Competence, understanding, and overall perspective was great……
5.00
Ronald D T.
March 17, 2023
Chaytor and his staff are the consummate professionals. Chaytor was extremely responsive, even on weekends and after hours, and answered all questions accurately and promptly. The loan process, from thefirst call to Chaytor through closing, went off without a hitch.Read more
5.00
Lawrence George D.
March 01, 2023
When you work with Chaytor you know you are his most important client. His focus is on your family’s specific situation and the results show his years of experience.
5.00
Anthony J A.
February 27, 2023
Clear and straightforward communication
5.00
Caleb G S.
February 07, 2023
The whole team is always great to work with! They know with my busy schedule how to motivate me to do what I need to do and how to access the information they need if I can't!
5.00
Joy C M.
February 06, 2023
Chaytor was incredible and was on top of everything from locking ok no rates to getting everything prepared in a short period of time.
5.00
Amy Elizabeth E.
December 23, 2022
Communication is key. You were able to take my account within a week, process all documentation required and allowed me to settle within a week. That could not have been completed without communication.
4.66
David M.
September 18, 2022
He was always available to answer any questions and assist with any thing. Chaytor made the entire process smooth and easy going. He is very knowledgeable, he made us feelat ease when things were stressful. It was on overall great experience. I have bought 3 houses prior and it felt very transactional but with C&F mortgage you felt like part of the family. Thank you again to Chaytor and team!Read more
5.00
Carolina Elizabeth L.
August 01, 2022
Chaytor and his team were excellent throughout the entire buying process.
5.00
Mykell L A.
July 08, 2022
Chautor was extremely helpful every step of the way.
5.00
Clayton C.
June 29, 2022
It was a pleasure working with Mr. Midgett and his team. The ups & downs of going through a new construction house was very emotional, and we are glad theloan process part was consistent. Thank you for assisting us! We will share our positive experience from your company with any potential home buyer.Read more
5.00
Kathleen Rose Ignaci V.
June 23, 2022
Explanation of everything
5.00
Zachary Lesley U.
April 21, 2022
His professionalism and his attention to detail made it a pleasure to work with as well as his delightful staff at C&F Mortgage !
5.00
Harry Eugene R.
April 14, 2022
Chaytor's personal attention and advice throughout the whole loan process was phenomenal. He is a wonderful person to work with, and we are so appreciative of all his hard workand dedication. Wonderful folks at C&F Mortgage in Chesapeake, VA. Thank you Chaytor and team!!Read more
5.00
Shannon Dawn H.
February 09, 2022
Chaytor is always quick to respond to any question and makes sure the entire process is great!
5.00
Christopher William S.
February 08, 2022
Excellent service. Constant effective communication that made the process easy.
4.83
Douglas Newell E.
January 05, 2022
Great guy makes the process super easy can’t ask for more.
5.00
CRAIG THOMAS L.
December 16, 2021
Chaytor was incredibly easy to get a hold of, talk with, and is very informative. Honest guy. I value his experience and character.
5.00
Jonathan David B.
December 15, 2021
Chaytor and Alecia were personable, highly responsive, and super knowledgeable. Chaytor kept us well informed throughout the entire process and the organization throughout the experience was impeccable.
4.50
Kristen Aurea M.
December 10, 2021
The ease with which everything was completed made the entire process pleasant.
5.00
Elizabeth Ann C.
November 28, 2021
Chaytor was responsive and provided wise counsel when asked. We felt as if he had our best interest in mind from start to finish and advocated for us when required.Overall, Chaytor contributed greatly to a successful home buying experience. Much appreciated.Read more
5.00
Joseph Ryan M.
November 23, 2021
Chaytor and his team made the process so smooth, the communication was prompt and helpful. It was great from start to finish. Thank you.
5.00
Lindsey Gilliam S.
November 18, 2021
Communication was awesome
5.00
Steven Ross H.
November 03, 2021
Chaytor and his team were always quick to respond to my questions, they made the whole process very easy. When an unexpected issue came up at closing, they fixed theproblem very quickly. It was a pleasure to work with them.Read more
5.00
Mary Martha D.
October 21, 2021
Not just Chaytor, but the whole team, was always available for any questions I had during the process of buying my first home. It really helped make the overall experience a great one!
5.00
Joseph Paul F.
October 18, 2021
professional team/made this refi easy and swift
5.00
MARSHA R S.
October 15, 2021
Professional courteous and most of all made this very easy and simple process!
5.00
JAMES A B.
October 15, 2021
Chaytor Midgett was very friendly, yet professional and made the entire process very easy. I would definitely recommend him to anyone seeking a lender.
5.00
katinbahrain .
October 15, 2021
The entire process from start to finish.
5.00
Frank James E.
October 15, 2021
Chaytor and staff were very helpful and expedited our refi quickly and professionally!
5.00
David D H.
September 21, 2021
Chaytor, Alecia, and Mollie were amazing to work with! As a first time home buyer they made the entire process stress free and made each step easy and straightforward tounderstand. They care for their clients like family! We will always recommend Chaytor and his team.Read more
5.00
Whitney C.
September 19, 2021
Chaytor and he team are awesome. The personal service with their knowledge is amazing. This is my 4 loan with him and his team. Thank you Chaytor for making it so easy.
5.00
STACEY E C.
August 31, 2021
Constant communication and answered all questions thoroughly.
5.00
Geraldine M B.
August 25, 2021
Willing to help provide clarity when needed
4.83
Jonathan Christopher B.
August 24, 2021
Excellent customer service with plenty of communication. Chaytor and his team definitely delivered!
5.00
Frederick J B.
August 19, 2021
Chaytor was great to work with. He was very informative always available too answer any questions we had during the approval process!
5.00
Jerron C.
June 17, 2021
Chaytor and his entire team worked hard to get our crazy refi to completion! They know their products and exactly what needs to be done to make things happen! Amazing team!
5.00
Lynn D.
June 13, 2021
Chaytor was always available.
4.83
David R.
May 30, 2021
Communication and overall friendliness of everyone.
5.00
Kenvir R.
May 20, 2021
Chaytor and his team were awesome through our whole buying process! I highly recommend C and F mortgage!!!
5.00
Heather J.
May 10, 2021
Chaytor came highly recommended from our realtor. He made the process very easy and was there at any time to answer any questions that we had.
5.00
Christopher W.
May 10, 2021
Chaytor went above and beyond given the circumstances of the process. He and his team worked diligently to ensure the closing deadline was met, despite being given only 13 daysby my builder to pull everything together. It was all hands on deck and Chaytor was phenomenal to do business with when it came to my mortgage.Read more
5.00
Ashley L.
May 06, 2021
Great customer service and made it easy to go through.
5.00
Kristin S.
May 02, 2021
Love this Guy!!!
5.00
Henry L.
April 29, 2021
Chaytor was always very helpful and would respond even after hours. I would recommend C&F and Chaytor to any of my friends!
5.00
KEVIN R.
April 26, 2021
Chaytor and his staff were very pleasant to deal with and very helpful throughout the entire process.
5.00
Wendy W.
April 19, 2021
Our entire experience with Chaytor Midgett at C&F Mortgage was outstanding. He was very helpful, informative and always timely in answering our calls or emails. We highly recommend using him for purchasing a home.
5.00
CRAIG A.
April 13, 2021
I was continually kept up to date on what was needed and how the process was going. Everything was very orderly and easy to understand.
4.83
JAMES E.
April 09, 2021
Chaytor, Alecia and the whole team a great! Responsive, informative and made the first time homebuyer experience and easy one for me
5.00
John J.
April 07, 2021
Expertise, Ease of process, friendliness, and communication
5.00
Joel S.
April 06, 2021
Chaytor and his staff are amazing. It's always a pleasure doing work with them.
5.00
NATHAN A.
March 29, 2021
Very easy to work with and very helpful and knowledgeable about loans.
5.00
SHERLEN B.
March 26, 2021
Great service as usual!
5.00
Kenneth E.
March 24, 2021
Chaytor is an absolute pleasure to work with. My family was moving from out of town and Chaytor was incredibly helpful during the process, whether it was recommending schools, restaurantsor hidden vacation spots. He was as communicative as humanly possible about the loan, the process and the steps required for a smooth transaction. I would certainly recommend Chaytor to anyone who is looking for a lender or for anyone who just wants to have a friendly conversation!Read more
5.00
Jason M.
March 16, 2021
Everything was communicated, fast and easy process.
4.83
ADRIAN U.
March 11, 2021
Chaytor and his team provided answers to all of our questions, moved quickly on our loan and any changes, and we’re very friendly. We will definitely use them again in the future.
5.00
Daniel T.
March 07, 2021
Excellent and easy to use website.
Consistently good communication with company.
4.83
Mark W.
February 27, 2021
Very good and responsive communication and told about everything that was going on in the process.
4.83
Michelle B.
February 25, 2021
I always feel like Chaytor and his team have my best interest in mind and are working to get me the best product. I've been using Chaytor for 13 yearsnow and he always delivers. They make the whole process very easy and are super friendly to work with.Read more
5.00
Jeffrey P.
February 17, 2021
Pleasant and easy to work with.
5.00
Alice V.
February 11, 2021
Chaytor went above and beyond to enable use to purchase out new home. He communicated with us and kept us in the loop with everything that was going on duringthe entire process. He took the extra time to ensure we were able to get the deal that best fir our needs. His dedication to the process, professionalism, hard work, and communication separated him from others. We appreciate everything Chaytor did to complete the sale of our new home.
We highly recommend Chaytor !Read more
5.00
William M.
February 10, 2021
A
5.00
Michele M.
February 06, 2021
Very smooth process from start to finish.
5.00
George A.
February 06, 2021
Chaytor and his team are a real pleasure to work with. I received multiple calls from Chaytor with updates on my loan and at times advice on what we shoulddo. If you are looking for the red carpet treatment C&F Mortgage is the place to use for all your mortgage services!!Read more
5.00
Jon R.
February 06, 2021
The service from your office was great. Things out of their control because of COVID was not so much fun. Closing slid several times and I know it added additionalcalls from me that added to your work load and tasking. I appreciate your patience with me.Read more
4.17
Patrick A.
February 01, 2021
Chaytor and his team are amazing. They met all of our goals for refinancing and we will definitely use C&F again.
5.00
Daniel W.
January 01, 2021
Communicated well and looked out for the best rate.
5.00
John A.
December 30, 2020
Throughout my professional and personal life I have worked with a lot of different vendors, agencies, contractors, etc...none of them compare to the level of Chaytor at C&F. The customerservice was impeccable. Every time we spoke he made us feel as though we were his only client. The key to great business is communication communication communication...he over communicated every step of the way and we were never left wondering. Absolutely amazing experience!!! Highly recommend!!!Read more
5.00
Leland J.
December 28, 2020
Great communication!
5.00
STEVEN R.
December 21, 2020
Easy to work with and kept an eye on the rate, informative along the way.
5.00
Kathy L.
December 19, 2020
Chaytor and Junior made the process easy and kept me up to date on status and things I needed to do and provide.
5.00
Gregory A.
December 16, 2020
My experience was informative, positive, and honest. Chaytor was EXTREMELY patient and understanding through the whole process of refinancing my home. Chaytor responded to all of my calls and emailsin a timely manner. I will continue to refer friends and family to Chaytor.Read more
5.00
Dena V.
December 14, 2020
Throughout the entire process, Chaytor Midgett and his team were beyond professional and exemplary with their services. They kept us well informed throughout the process and ensured the best outcomefor our situation. When the time comes to purchasing another home, Chaytor and his team will be the first group will contact!Read more
5.00
Mahari S.
December 04, 2020
Chaytor and his team had the challenging task of an accelerated timeline. They killed it, and in under 30 days. Highly recommend.
5.00
Doug R.
November 30, 2020
Chaytor and his team made the process clear, easy and transparent. They delivered. Great job all around
4.50
Bruce B.
November 14, 2020
Exceptional service as always!
5.00
KENNETH E.
November 11, 2020
Chaytor, Junior, and Mollie were such an amazing team to work with! Chaytor was so open and available from the very beginning to the very end, and did his bestto get me the best options possible for my first home buying experience. He and Junior were always readily available, even in the evenings and weekends when I had a question, or when I found the house of my dreams. I couldn’t have asked for a better team to work with. Thank you SO MUCH Chaytor, Junior, and Mollie!Read more
5.00
Lauren H.
November 01, 2020
Friendly, answered all questions, worked quickly to close. Thank you.
5.00
Sharon L.
October 30, 2020
Every one involved with my loan made this experience very pleasant. They walked my wife and I through every step. Not one problem from start to finish.
5.00
William C.
October 12, 2020
Chaytor is very friendly and is very respectful. His knowledge of the market and the product are exceptional. He is very willing to answer questions and address concerns. He isavailable any day, no matter what time. We would highly recommend Chaytor Midgett.Read more
5.00
RANCHIE G.
October 09, 2020
Great follow through
Timely responses
Thorough explanations of the process
Friendly help
Very professional
Most enjoyable to work with
Thank you
5.00
Joleen H.
September 29, 2020
Very professional and knowledgeable staff. Very easy to work with.
4.83
Kevin M.
September 24, 2020
Communication with Junior Gunter was on point He was always there to answer the phone when I called and had the answers. What is normally a painful experience when re-financing certainly was NOT with Junior. Kudos to Junior!
5.00
Mary C.
September 24, 2020
Chaytor is very knowledgeable and Professional. Kept us in the loop during every step of the mortgage process and gave good advice when needed.
5.00
Michael B.
September 24, 2020
People helping were great. Making a complicated process so much better
4.83
DYLAN R.
September 09, 2020
Chaytor and Junior are the best to work with. They are very personal and just AWESOME.
We’ve built our reputation as a trusted lender since 1995 by supporting 100,000+ families, closing $21+ billion in loans and earning a 98% customer satisfaction rating.
Innovative Financing Solutions
We provide the best financing options to meet your specific goals. We are equipped with the right loan solutions and years of industry expertise to enable us to exceed your expectations.
Focused on You In-Person or Online
Complete your mortgage application digitally via C&F Express or contact us directly — we are here to provide you with our undivided attention.
First-Time Buyer Specialist
Nearly half of our borrowers are buying for the first time. We are committed to helping everyone navigate the homebuying journey.
C&F University
C&F Mortgage is focused on helping all homebuyers navigate the home financing journey with ease. We’ve built robust tools and resources to allow you to expand your mortgage knowledge and build home-buying confidence.
When your loan officer sends you the link to apply for a loan or you click on the apply now link, this is the process to start your loan and how you download the mobile app.
Enter your email address and create a password.
Click on the link in the email you receive to download the app.
Open the app in app store to download. Download the app.
After downloading the mobile app for the first time, getting signed into the app will require a small setup process. After opening up the app, the home screen will display two options: ‘Get Started’ and ‘Sign In.’ Using the ‘Sign In’ button will be used once your username and password has been setup. For first time users, we will want to select the ‘Get Started’ button to create your account profile.
After selecting ‘Get Started’ you will be taken to a screen to enter the email address you would like to use for your account profile. Be sure to check the spelling is correct and then tap on the ‘Connect’ button to proceed. If the email listed is not listed in our system, you will then be asked to provide additional information, such as your name and phone number so that we can save that data for your loan officer’s use.
If the email address provided already is recognized in our system, rather than require more information, you will be taken to a page where we will send out a verification code to the email address. The verification code can be sent either by email or text. Select the ‘Send Code’ button to get that code issued out.
After the account profile has been created and the password set, you will be directed back to the home screen. Tap on the ‘Sign In’ button to proceed with logging into your app.
Enter the email address and password in the fields provided, then tap on the ‘Sign In’ button below, which is the login credentials are correct, will take you to the home or ‘Info’ tab of the mobile app where you can then begin to use the app as needed.
What documents do I need to apply?
To provide you with an accurate pre-qualification and process your loan application, we will ask you for a variety of documentation. Please note different programs require varying documentation.
At a bare minimum to complete your initial loan application, you will need the following:
30 days paystubs
2 months bank statements
Government issued ID
2 years W-2s
In addition to the list above, if you meet any of the scenarios below we will request additional documentation:
Divorced or Separated:
Divorce Decree and/or
Separation Agreement
Self-employed:
2 years tax personal tax returns
Based on type of self-employment, **may need business tax returns
Social Security Income:
2 years 1099
Awards Letter
Receiving a Monetary Gift:
Gift Letter
Based on Financing type, Gift Documentation will be different
Fully Ratified Sales Contract (Purchase only) once offer is accepted:
As a part of the loan application process, we need the last 2 months of your bank statements for your loan application. There are three ways to upload your bank statements:
Automatically syncing your financial institution(s) within the app (ideal scenario)
Digital e-statement from your financial institution(s) online banking platform
Scanned printed statements from your financial institution(s)
Syncing within the App
When the question comes up to verify your assets, click on the “Automatic Check” option to continue.
After clicking the Automatic Check button, you will be able to select and/or search your financial institution where your checking, savings, investment and/or retirement accounts are held.
As you type, the search engine will produce a list of close matches.
Once the login page is displayed, enter your online banking credentials to sign in. Because your security is our highest priority, your login credentials are never visible to anyone and are encrypted to ensure confidentiality.
Once AccountChek is authorized to connect to your financial institution, you will be taken to the Review and Submit page. You can click +Add Another Financial Institution to add more accounts while we finish gathering account data.
Once you have added all accounts needed to qualify for your loan, please select which accounts you would like to share by checking the checkbox to the right of each account. Once all desired accounts are Linked, click Finish & Share to complete the process! Your lender will notify you if you need to log back in and provide further information.
If you could not connect your financial institution within our automatic portal, you can provide them manually to us in the following ways:
Digital e-statement from your financial institution(s) online banking platform
Scanned printed statements from your financial institution(s)
Note: We need the actual bank statement with all pages listed, even if the last page is blank. We cannot use screenshots. We need a statement for each bank account you have.
Uploading Digital E-statement
Login to your financial institution’s online platform (preferably on your desktop)
Typically, there should be a section under your account that says “Documents” or “Statements.” Below are two examples of how it might look:
On this page, you should be able to select the statements you would like to download by either a download icon (arrow pointing down) or selecting the check box next to the two months of statements you would like to download. An example of how it might look:
When you click the download button, you will need to save these as a PDF to your computer. To save, you can do so by clicking “Save As” on the initial download or if they open on your computer you can click “File” and then “Save As.” Or, you can click the “Print” icon or “File” and then “Print” then you could change the Printer to “Save to PDF.” Example below:
Finally, login to your Simple Nexus application and upload these documents directly within your portal. Go to the “Documents” tab and upload the PDF.
Scanning Printed Statements: To scan printed statements, please view the how-to guide below that says “How do I scan documents within the mobile app?”
As the loan application is being filled out, we need 30 days of pay stubs for your loan application. There are three ways to upload your income documentation:
Automatically syncing your payroll provider within the app (ideal scenario)
Digital pay stub PDF from your payroll provider
Scanned printed pay stub
Syncing within the App
You can connect automatically within our app, or you can opt to manually enter the information.
By selecting “Automatic Check” a screen will then load where you will be presented with a search menu. You can search for your employer.
As you type, the search engine will produce a list of close matches.
Click on your employer’s name and click Continue.
Next you will be asked to select your Payroll Provider. Click on the provider name. After reviewing permissions, click Continue to pull up the login page
Once the login page is displayed, enter your payroll provider credentials to sign in. Because your security is our highest priority, your login credentials are never visible to anyone and are encrypted to ensure confidentiality. If you do not know your login credentials, use the “reset now” link below the submit button.
If you could not connect your payroll platform within our automatic portal, you can provide the following documentation manually to us:
Digital pay stub PDF from your payroll provider
Scanned printed pay stub
Note: We need a full 30 days of pay stubs, so if the last two payroll cycles are less than 30 days, please pull an additional pay stub. We need the actual PDF download, we cannot use screenshots.
Uploading Digital Pay stub PDF
Login to your payroll provider offered by your employer, such as ADP or UKG Find your pay statement, typically under “Pay” and “Pay History.” Pay History will allow you to capture more than one pay stub, as we need 30 days. An example of how it might look:
You should either be able to select multiple pay statements and click the download icon (arrow pointing down). Or, click into each individually and click the download icon. An example of how it might look:
When you click the download button, you will need to save these as a PDF to your computer. To save, you can do so by clicking “Save As” on the initial download or if they open on your computer you can click “File” and then “Save As.” Or, you can click the “Print” icon or “File” and then “Print” then you could change the Printer to “Save to PDF.” Example below:
Finally, login to your Simple Nexus application and upload these documents directly within your portal. Go to the “Documents” tab and upload the PDF.
Scanning Printed Pay stub:
To scan printed pay stubs, please view the how-to guide below that says “How do I scan documents within the mobile app?”
Uploading required documentation for your mortgage application is necessary to ensure your loan can move forward. This process can be done in one of two ways:
From the web dashboard
From the mobile app
Both options are perfectly fine, but they have unique aspects to it worth mentioning. Uploading a document from a mobile device has you create the document file as you go through the process using our mobile scanner feature, whereas the Web Dashboard will require the documents already be scanned in and saved to the computer being used.
Using the Mobile App, uploading documents starts by selecting the ‘Add Document’ as shown below.
From Add Document, select the option that is needed to make sure you get the document uploaded.
Take a Picture – Start the process of getting the document(s) to your
Send a File – Select a file on your phone if the document is already on the
Drafts & Sent – Resume sending a document that you’ve already started the process with
As we are starting the process, select the ‘Take Picture’ option. (nothing will be saved to your phone)
First you will need to name the document you are uploading. There is a list of options already you can select if you find the document name that you are uploading. If you don’t see the title of the document you are uploading, you are able to name it whatever you would like. Once the document name is intact, select ‘OK’ to continue.
A scan mode option will then be displayed. Most cases, ‘Recommended setting’ works just fine for all documents, but for color documents, such as licenses and IDs, we have a ‘Requested in Color’ option for that. Choose the scan type and click ‘OK.’
A set of scanning instructions will be shown giving the user tips on how to properly scan the document. Your camera will then turn on letting you take the photo of the document. When you have the document fully lined up properly, select the middle button on the bottom option to take the scan.
Once the scan is taken, there will be a cropping tool that will let you make any adjustments needed. Once the adjustments are made, select the ‘Crop’ option to continue. If you need to take a scan of the document again though, you are able to click ‘Back’ to retake the scan of the document.
Next will be a contrast adjustment filter to make sure the document is clearly legible. Once you can read it clearly, select ‘Done’ to finalize these edits.
After completing the edits to the scan, there will be a review page where you give a final approval on the document. If the document looks great, you can click ‘Send’ to upload the document to your account profile. If the document has more than one page, you can instead click the ‘Add Page’ option to scan the next page, where you can repeat this process until you have the full document ready to upload.
Once you are done, select the ‘Send Securely’ button to upload the document. You will get a confirmation once the document has upload successfully, and you can then close out of the app, or you can instead just click the ‘OK’ button that would appear to go back to the home page of your app.
Final notes: Scanning your documents in via the app is secure. Also, the scanned documents are not saved on your phone like they would be if you take a picture and send them in via email.