karen frank
Karen Frank Team

Karen Frank & Paige Bryant, NMLS# 460056 | 831263

Address: 520 Lew Dewitt Blvd Suites 104 and 105, Waynesboro, Virginia 22980
O: 540.941.7633 M: 540.294.0462 F: 804.419.2969

Your Local Industry Expert.

At C&F Mortgage, rest assured we are focused on you. C&F was built on the simple truth that when we pay attention to people and the community, we can make a difference. We are here to guide you on your pathway to home financing from start to finish.

Contact us today to learn more about the mortgage process and how we can work together on your journey to home financing.

Karen Frank | Vice President/Regional Manager NMLS #460056
kfrank@cfmortgagecorp.com | 540.294.0462

Paige Bryant | Loan Officer NMLS #831263
pbryant@cfmortgagecorp.com | 540.849.0638

Customer Reviews

  • Paige and they entire team had great communication and explained everything very well.
    Daniel J C.
  • Overall a very good experience. Karen kept us up to date on everything that was happening. I would highly recommend her to anyone looking for a mortgage
    Travis James H.
  • This is my 2nd Re-Fi with Karen. I completely trust her to find the best interest rate and handle my financial information. The online process was absolutely seamless and moved quickly! This was the best mortgage experience I've ever had!
    Leigh A. G.
  • Karen was always quick to respond to everything we never had to wait on anything.
    Keith E S.
  • Quick response to questions, flexible when we had scheduling conflicts, resolved issues that came up
    Richard L. M.
  • Karen was accessible, informative, and supportive. Great experience.
    Shirley Jean M.
  • So easy, simple, and stress free.
    James Tyler R.
  • Karen and her team were so attentive and promptly answered our questions. Every detail was explained to us thoroughly! Made a difficult process go so smooth! Quick closing! Great job!
    Sherrie L. E.
  • The whole process was so easy and seamless.
    ryann.coles .
  • It was a quick process and good communication
    Whitney L. T.
  • She makes the process so easy and upfront and clear with all steps.
    Rebekah-Joseph F.
  • Karen has assisted us with both our original mortgage and the re-financing experience and is absolutely fantastic to work with. She was very informative and quick to respond to ourRead more
    Brannon James O.
  • She was extremely helpful and very knowledgeable and made the process feel like a breeze
    Christian Thomas B.
  • Everyone very Professional Kept me informed about everything that was going onA great group to work with
    Michael Lewis F.
  • Karen is knowledgeable, timely, and efficient. She and Paige were patient and kind while helping me navigate the refinance after divorce. What could have been very scary and overwhelming wasRead more
    Mary Evans L.
  • Karen was so wonderful throughout the whole experience. She made sure she answered all of our questions and made the home loan process so simple. We are so grateful forRead more
    Martin S.
  • Karen and her team are great. Very thorough and professional. Never had a question or concern that wasn't immediately addressed and explained. Highly recommend C&F
    Michael T C.
  • Paige was awesome. She takes pride in her job and was always available for questions and feedback. Another great experience with Karen frank and team. Thanks for all you do.
    Brian S.
  • The entire team was focused and friendly. They worked hard to get the loan through in time for the closing. Each member of the team was caring and made usRead more
    Betty J. S.
  • Karen Frank worked her tail off for us! Thank you!
    Ryann T C.
  • Prompt responses, professionalism.
    Janet Rosemary H.
  • Uncomplicated pleasant to work with easy to communicate with
    Harry L T.
  • This was my first time buying a house and you guys were very helpful answering all my questions and very helpful leading me along. Thanks God Bless all Thanks Joe.
    Joe F. S.
  • Karen was very efficient. She was able to get the lowest rate available to me and had my loan completed and closed in under 30 days!!
    Michelle Lynn K.
  • It was a great experience and would refer everyone to Karen and her team.
    Terry L. D.
  • We had a GREAT experience with Karen and her team. As first-time home buyers we had a lot of questions. Karen really helped us through, and we also feel likeRead more
    Shayna G.
  • Very helpful every step of the way.
    Isaiah R.
  • Excellent service
    Gavin E D.
  • Paige was awesome and made the finance part of getting a home loan amazing and easy! She is very knowledgeable about the current market and helped lead us inRead more
    David B.
  • Great!
    Christine B.
  • This is the second time I have been helped by Karen Frank she always come through on her end and gets the jobs done!
    Karima M.
  • Although my mortgage needed to be completed rather quickly during very busy times, Karen and her team worked hard to make it happen on time. I have heard others complainRead more
    Ramona N.
  • I worked with Julie Smallwood. She was great!
    Jolynn E.
  • As a first time home buyer, Karen provided me with the service I was really looking for. She explained every step ahead during the process. She as well as herRead more
    Youhanna Y.
  • The process was fast and easy. Very good to be on top of sending me the information I needed to complete the next steps
    Christopher S.
  • Karen was wonderful to work with, she stayed on top of things. We had a few curve balls thrown our way and she knocked them out of the park eachRead more
    Mason M.
  • Karen was so great to work with!
    Gail S.
  • Karen
    Robert L.
  • Karen was well informed and professional through the entire process. We couldn't have done this without her! Her assistant Paige was equally helpful and knowledgable. Downsizing and going through theRead more
    Donald D.
  • Karen took my call just a few minutes before five on a Friday and coached me through the entire refinance process for the next half hour. It was immediately apparentRead more
    Daniel B.
  • Easiest mortgage ever! Thx Karen
    Sanford C.
  • Great experience
    Aaron T.
  • Karen has done multiple loans for us, and several other family members. She is always professional and makes the loan process virtually effortless for her clients. She is a rockstar and I would recommend Karen and her team to everyone!!
    Dane D.
  • Everything could be done from home
    Raymond W.
  • Friendly people. Answered all my questions.
    Kimberly K.
  • Karen is knowledgeable, accessible, patient, and informative.
    Boyce E.
  • 5.00
    Harley N.
  • Very fast response, prompt in returning calls and emails
    Lisa M.
  • The follow up and explanations given for our needs.
    Richard A D.
  • KAREN. She was efficient and thorough. She knows her stuff.
    Sheree Monroe K.
  • The entire process went smooth with all questions answered.
    James Lee K.
  • Smooth easy process thanks to Karen and her team was a great experience would recommend everyone to use c&f thank you for my new home!!
    Robert M.
  • Karen and her team were very friendly and helpful through out the entire home buying process.
    William F.
  • Karen is the best! She and her team are efficient, prompt, and friendly. They handled our first time home buying process and we are so grateful for the speed andRead more
    Melissa M.
  • Very helpful & informative. Everything went smoothly.
    Michael L.
  • Karen was very helpful and knowledgeable
    Sharon B.
  • They were always willing to talk to me and help me to understand procedures. Also I am not computer smart and they right there with assistance.
    Gail C.
  • Karen, Paige, and Angie went above and beyond to give me a stress free home buying experience. The house I was buying fell through 2 1/2 weeks before our closingRead more
    Nicole M.
  • Karen and her team kept me informed of where we were in the process and was quick to respond and resolve any questions or concerns! This is the second timeRead more
    John W.
  • Karen is absolutely at the peak of the customer service game. I wouldn't hesitate to recommend her to friends or family.
    Adam L.
  • Karen was there for us for our purchase of a second home
    Monique A. L.
  • Very organized and helpful on are lending needs.
    Donald J C.
  • After a very rocky start with a previous loan officer Karen took the bull by the horns and did a great job getting everything straightened out quickly. Very impressed withRead more
    Connie B.
  • Great customer service & willing to do more than required! It was a great experience working with the team.
    April Kay H.
  • She was easily available and answered questions promptly
    Rebecca H.
  • I did not think I could get a loan but Karen Frank had my back the whole way. She was definitely my super hero!
    Mindy C.
  • Great hustle and communication that allowed me to close on time.
    Kelly R.
  • Karen is quick to respond with any questions we had. Thanks Karen!
    Billie J S.
  • Karen was very helpful and informative
    Kristen S.
  • Everything went fine. no issues.
    Kelli D.
  • Thanks
    Raymond D.

Why C&F Mortgage?

Local Industry Expert

We’ve built our reputation as a trusted lender since 1995 by supporting 100,000+ families, closing $20+ billion in loans and earning a 98% customer satisfaction rating.

Innovative Financing Solutions

We provide the best financing options to meet your specific goals. We are equipped with the right loan solutions and years of industry expertise to enable us to exceed your expectations.

Focused on You In-Person or Online

Complete your mortgage application digitally via C&F Express or contact us directly — we are here to provide you with our undivided attention.

First-Time Buyer Specialist

Nearly half of our borrowers are buying for the first time. We are committed to helping everyone navigate the homebuying journey.

C&F University

C&F Mortgage is focused on helping all homebuyers navigate the home financing journey with ease. We’ve built robust tools and resources to allow you to expand your mortgage knowledge and build home-buying confidence.

Helpful Articles

Let’s get your home financing journey started.

Ready to get started?  

Apply Now

Have questions or need support?

How do I download the mobile app?

When your loan officer sends you the link to apply for a loan or you click on the apply now link, this is the process to start your loan and how you download the mobile app.


Enter your email address and create a password.


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


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


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


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


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


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


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

What documents do I need to apply?

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

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

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

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

Divorced or Separated:

  • Divorce Decree and/or
  • Separation Agreement


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

Social Security Income:

  • 2 years 1099
  • Awards Letter

Receiving a Monetary Gift:

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

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

  • Fully Ratified Sales Contract

Veteran / VA Loan:

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

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

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

Syncing within the App

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


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


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


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


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

If you could not connect your financial institution within our automatic portal, you can provide them manually to us in the following ways:

  • Digital e-statement from your financial institution(s) online banking platform
  • Scanned printed statements from your financial institution(s)

Note: We need the actual bank statement with all pages listed, even if the last page is blank. We cannot use screenshots. We need a statement for each bank account you have.

Uploading Digital E-statement

Login to your financial institution’s online platform (preferably on your desktop)

Typically, there should be a section under your account that says “Documents” or “Statements.” Below are two examples of how it might look:

On this page, you should be able to select the statements you would like to download by either a download icon (arrow pointing down) or selecting the check box next to the two months of statements you would like to download. An example of how it might look:

When you click the download button, you will need to save these as a PDF to your computer. To save, you can do so by clicking “Save As” on the initial download or if they open on your computer you can click “File” and then “Save As.” Or, you can click the “Print” icon or “File” and then “Print” then you could change the Printer to “Save to PDF.” Example below:

Finally, login to your Simple Nexus application and upload these documents directly within your portal. Go to the “Documents” tab and upload the PDF.

Scanning Printed Statements:
To scan printed statements, please view the how-to guide below that says “How do I scan documents within the mobile app?”

How do I provide my income documentation?

As the loan application is being filled out, we need 30 days of pay stubs for your loan application.  There are three ways to upload your income documentation:

  • Automatically syncing your payroll provider within the app (ideal scenario)
  • Digital pay stub PDF from your payroll provider
  • Scanned printed pay stub

Syncing within the App

You can connect automatically within our app, or you can opt to manually enter the information.


By selecting “Automatic Check” a screen will then load informing you that we will be connecting using our income provider to import that information. Click on ‘Get Started’ to begin the process.


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


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


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

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


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


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

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


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


If you could not connect your payroll platform within our automatic portal, you can provide the following documentation manually to us:

  • Digital pay stub PDF from your payroll provider
  • Scanned printed pay stub

Note: We need a full 30 days of pay stubs, so if the last two payroll cycles are less than 30 days, please pull an additional pay stub. We need the actual PDF download, we cannot use screenshots.

Uploading Digital Pay stub PDF

Login to your payroll provider offered by your employer, such as ADP or UKG
Find your pay statement, typically under “Pay” and “Pay History.” Pay History will allow you to capture more than one pay stub, as we need 30 days. An example of how it might look:

You should either be able to select multiple pay statements and click the download icon (arrow pointing down). Or, click into each individually and click the download icon. An example of how it might look:

When you click the download button, you will need to save these as a PDF to your computer. To save, you can do so by clicking “Save As” on the initial download or if they open on your computer you can click “File” and then “Save As.” Or, you can click the “Print” icon or “File” and then “Print” then you could change the Printer to “Save to PDF.” Example below:

Finally, login to your Simple Nexus application and upload these documents directly within your portal. Go to the “Documents” tab and upload the PDF.


Scanning Printed Pay stub:

To scan printed pay stubs, please view the how-to guide below that says “How do I scan documents within the mobile app?”


How do I scan documents within the mobile app?

Uploading required documentation for your mortgage application is necessary to ensure your loan can move forward. This process can be done in one of two ways:

  1. From the web dashboard
  2. From the mobile app

Both options are perfectly fine, but they have unique aspects to it worth mentioning. Uploading a document from a mobile device has you create the document file as you go through the process using our mobile scanner feature, whereas the Web Dashboard will require the documents already be scanned in and saved to the computer being used.

Using the Mobile App, uploading documents starts by selecting the ‘Add Document’ as shown below.

add document

From Add Document, select the option that is needed to make sure you get the document uploaded.

  • Take a Picture – Start the process of getting the document(s) to your
  • Send a File – Select a file on your phone if the document is already on the
  • Drafts & Sent – Resume sending a document that you’ve already started the process with

As we are starting the process, select the ‘Take Picture’ option. (nothing will be saved to your phone)

take picture

First you will need to name the document you are uploading. There is a list of options already you can select if you find the document name that you are uploading. If you don’t see the title of the document you are uploading, you are able to name it whatever you would like. Once the document name is intact, select ‘OK’ to continue.

click ok

A scan mode option will then be displayed. Most cases, ‘Recommended setting’ works just fine for all documents, but for color documents, such as licenses and IDs, we have a ‘Requested in Color’ option for that. Choose the scan type and click ‘OK.’

scan mode

A set of scanning instructions will be shown giving the user tips on how to properly scan the document. Your camera will then turn on letting you take the photo of the document. When you have the document fully lined up properly, select the middle button on the bottom option to take the scan.

scan crop

Once the scan is taken, there will be a cropping tool that will let you make any adjustments needed. Once the adjustments are made, select the ‘Crop’ option to continue. If you need to take a scan of the document again though, you are able to click ‘Back’ to retake the scan of the document.

scan crop back

Next will be a contrast adjustment filter to make sure the document is clearly legible. Once you can read it clearly, select ‘Done’ to finalize these edits.

adjust contrast

After completing the edits to the scan, there will be a review page where you give a final approval on the document. If the document looks great, you can click ‘Send’ to upload the document to your account profile. If the document has more than one page, you can instead click the ‘Add Page’ option to scan the next page, where you can repeat this process until you have the full document ready to upload.


Once you are done, select the ‘Send Securely’ button to upload the document. You will get a confirmation once the document has upload successfully, and you can then close out of the app, or you can instead just click the ‘OK’ button that would appear to go back to the home page of your app.

send securely

Final notes: Scanning your documents in via the app is secure. Also, the scanned documents are not saved on your phone like they would be if you take a picture and send them in via email.

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