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Diane Williams

VP / Branch Manager / Loan Officer, NMLS# 310452

Address: 1320 Central Park Boulevard Suite 201, Fredericksburg, Virginia 22401
O: 540.548.8855 ext 73611 M: 540.842.6031 F: 804.419.8784

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 helpful getting credit straight to get better rate.
    Jesse E.
  • Easy breezy, the entire transaction was awesome from start to finish, highly recommend Diane and her team!!
    Allen L.
  • Knowing what you had to deal with working with WV realtor's you pulled it off and got the job done! Thanks for your support and hard work!
    Danny B.
  • Being a first time homebuyer is one of the most stressful things one can do alone, having Diane and her team to walk me through the process made made myRead more
    Larry J. L.
  • She really listened to us and helped us make it happen.
    Judith L. D.
  • Diane really knows her stuff!
    Danna Lee B.
  • Personal help
    Jack Dale C.
  • Diane Williams and Paula Turner were very professional to work with for our refinancing our home. I would recommend them without a second thought.
    Glenn L.
  • As a first time home buyer I had lots of questions and Diane was always there to answer them. She also did a great job of finding the right loan for me and explaining all of my options.
    Erica D.
  • Easy and efficient to work with. Answered all our questions, was willing to work with our odd hours due to work, and we greatly appreciate her services.
    Ryan J.
  • Diane helped me for about two years fully told me exactly what I needed to do to get to the point to buy never gave up on helping me she was wonderful through the whole process
    Ashley N.
  • She was so involved with anything I needed or asked her. Was extremely patient.
    Ottoway C.
  • Very professional and prepared.
    William F.
  • My loan was approved.
    John D.
  • Diane Williams and Paula did a exceptional job,they both worked with us through every detail. I would highly recommend them to anyone.great experience and great people to know.
    Patricia Marie B.
  • Diane was very knowledgeable, timely, thorough and friendly. She made sure everything was in order and we knew what to expect and why. I found it easy to talk toRead more
    Richard B.
  • Dianne has been the loan specialist I have ever dealt with. She made sure my husband and I knew everything from the beginning to the end and made it a great experience!!! Highly recommended
    Cierra H.
  • They are super fast!!
    Melissa A.
  • Dianne and her associate helped me navigate through this process with ease. Great experience
    Peter J.
  • Diane personally was a pleasure to work with. She is professional and courteous. I will definitely recommend her to anyone I know that needs her services.
    Krystal Y.
  • Diane guided us ecery step and went above and beyond the call to make sure we closed on time
    Bryan K.
  • Completely seamless transaction. Staff went above and beyond to work through different options to help me find the best and most financially smart way to accommodate my needs. This isRead more
    Mary K.
  • Diane was super helpful , she answered all my questions, promptly an directly. Would highly recommend her to anyone seeking a mortgage
    Christopher M.
  • Amazing! Easy. Great communication. 10/10.
    Tiffany T.
  • Top notch experience
    Nicholas Y.
  • Could not have asked for a better experience
    Bryan P.
  • Diane made the process very easy. She was very responsive whenever I reached out with questions. I was very happy with the experience.
    Richard C.
    James R. B.
  • Diane answered all my questions in a timely fashion, and made the home buying experience seem effortless on my end. I would absolutely recommend her and her team at C&F to everyone I know.
    Steven B.
  • Great experience.
    Robert D.
  • My entire experience was AMAZING!! I had the best team! And I LOVE MY NEW HOME!! It’s everything I asked for and more! I couldn’t be happier!
    ShaKeiya N.
  • Diane was the very first contact I had in my home buying process, she is the one that informed me that I was approved to purchase a home & helpedRead more
    Eden C.
  • She made the home buying process easy and stress free
    Kenneth A.
  • Diane's professionalism, empathy, friendliness, and she has the Best Laugh! She's just good at what she does HANDS DOWN!!!!
    Tonya R.
  • Kind, friendly and very timely service!
    Marion S.
  • Diane was on top of it, the best loan closing we have ever experienced
    Robert J.
  • Dianne and Gabriela were wonderful to work with. We bought our home from the owner directly without a realtor involved so there was no middle man to communicate questions andRead more
    Kellylee E.
  • Diane was excellent. She helped me not only with my loan, but my communication with my builder. She is a true asset to the company, and I would give herRead more
    Sara A.
  • Ms. Williams made this process very easy for me. She took her time to explain everything, and followed up with me on a consistent basis. I greatly appreciate her time and understanding during this process.
    Krystal M.
  • We really enjoyed working with C&F. The automated DocuSign and upload processes were terrific. Everything occurred in a timely and stress-free fashion. Thanks very much
    John A.
  • I can't express how pleasant my wife and I were to have Diane Williams assist in our first time purchasing a house. Diane was very responsive to any questions orRead more
    James Michael M.
  • Diane is very knowledgeable and efficient! She made our entire experience very pleasant!
    Wendi May C.
  • Diane and her team were so helpful and answered ALL of my questions quickly and thoroughly. She made the process as smooth as possible.
    Christina Lynn E.
  • Diane was professional, consistent in her follow up with me and most knowledgeable about all aspects of the process. I am a very satisfied recipient of her services!
    Gloria Anita W.
  • Diane Williams and her colleagues were knowledgeable, attentive and VERY professional. A glaring difference in customer service compared to the firm that coordinated my previous mortgage refinance.
    Walter P.
  • Very personable, explained answers to most questions. Comforting when needed
    Jessica Lee O.
  • She was very professional and took the time to educate me about the whole process.
    Dewon G.
  • Explaing each step and every question along the process
    Micheal DeShawn T.
  • Walk me thru every step
    Robin Almond G.
  • Diane was very helpful and knowledgeable when we had questions pertaining to the loan. She responded to our emails quickly and was pleasant to speak with.
    Tela P. H.
  • Diane and Paula are a great team and work together to get the job done quickly and professionally.,
    Rose M. W.
  • Ms. Williams was very patient and thorough during the entire process. She walked us through our entire loan process and taught us a lot along the way. She is aRead more
    Johnetta Hill G.
  • Great communication, walked me through everything and was able to answer any questions I had.
    Nicholas K. N.
  • This was my first experience buying home all the realtor and Realsteate agents were great and helpful
    Sayed Habiburahman N.
  • very professional and friendly.
    Dannielle B.
  • Everyone worked together to help streamline the d process.
    Jay Allen S.
  • There were too many requests for documents And there were many calls to my office to see if I was still employed by myself. Seemed silly
    Clifton S.

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.


Enter your email address and create a password.


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


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


After downloading the mobile app for the first time, getting signed into the app will require a small setup process. After opening up the app, the home screen will display two options: ‘Get Started’ and ‘Sign In.’ Using the ‘Sign In’ button will be used once your username and password has been setup. For first time users, we will want to select the ‘Get Started’ button to create your account profile.


After selecting ‘Get Started’ you will be taken to a screen to enter the email address you would like to use for your account profile. Be sure to check the spelling is correct and then tap on the ‘Connect’ button to proceed. If the email listed is not listed in our system, you will then be asked to provide additional information, such as your name and phone number so that we can save that data for your loan officer’s use.


If the email address provided already is recognized in our system, rather than require more information, you will be taken to a page where we will send out a verification code to the email address. The verification code can be sent either by email or text. Select the ‘Send Code’ button to get that code issued out.


After the account profile has been created and the password set, you will be directed back to the home screen. Tap on the ‘Sign In’ button to proceed with logging into your app.


Enter the email address and password in the fields provided, then tap on the ‘Sign In’ button below, which is the login credentials are correct, will take you to the home or ‘Info’ tab of the mobile app where you can then begin to use the app as needed.

What documents do I need to apply?

To provide you with an accurate pre-qualification and process your loan application, we will ask you for a variety of documentation. Please note different programs require varying documentation.

At a bare minimum to complete your initial loan application, you will need the following:

  • 30 days paystubs
  • 2 months bank statements
  • Government issued ID
  • 2 years W-2s

In addition to the list above, if you meet any of the scenarios below we will request additional documentation:

Divorced or Separated:

  • Divorce Decree and/or
  • Separation Agreement


  • 2 years tax personal tax returns
  • Based on type of self-employment, **may need business tax returns

Social Security Income:

  • 2 years 1099
  • Awards Letter

Receiving a Monetary Gift:

  • Gift Letter
  • Based on Financing type, Gift Documentation will be different

Fully Ratified Sales Contract (Purchase only) once offer is accepted:

  • Fully Ratified Sales Contract

Veteran / VA Loan:

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

As a part of the loan application process, we need the last 2 months of your bank statements for your loan application. There are three ways to upload your bank statements:

  • Automatically syncing your financial institution(s) within the app (ideal scenario)
  • Digital e-statement from your financial institution(s) online banking platform
  • Scanned printed statements from your financial institution(s)

Syncing within the App

When the question comes up to verify your assets, click on the “Automatic Check” option to continue.

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.


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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