Nancy Poteat 2023_500
Nancy Poteat

Vice President/Branch Manager, NMLS# 107969

Address: 1562-C Union Road, Gastonia, North Carolina 28054
O: 704.867.3997 M: 704.460.2006 F: 804.419.2999

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 knowledgeable. Explains the process step by step in easy to understand terms. Nancy made everything go through smoothly. Will definitely recommend her to friends and family.
    Kathy J.
  • This is the 2nd time we have used Nancy Poteat and I couldn’t imagine using anyone else. She is amazing to work with and makes the process so easy.
    Justin C.
  • Nancy Poteat and Linda VanCamp very knowledgeable and easy to work with. Entire experience was unbelievably straightforward and simple for us to navigate. We have already informed friends and family. They made us feel comfortable, almost like family.
    Jack E.
  • Nancy was great. Made refinancing so easy.
    Kendall C.
  • Great rate. Kept the process moving. Excellent service. The transaction closed as scheduled.
    Johnathan L.
  • Nancy went above and beyond for my husband and I on the purchase of our first home. She stuck to her word 100% of the time and really made sureRead more
    Sara A.
  • Nancy always answered my questions and was very helpful. She does her job very well. She always got back to us in a timely manner.
    Pauline D.
  • The communication between Nancy and Linda were amazing. I didn’t worry about anything because I knew they were on top of it!
    Dawn M.
  • Nancy and Linda were amazing. They kept me informed along the way and made sure we closed ON TIME.
    Lindsay B.
  • Nancy was the most wonderful person I have ever worked with! She was so helpful and informative! She made my refinancing easy and I was able to do everything online! Thank you Nancy for all your help and support!
    Beth N.
  • Nancy was great to work with, she explained everything thoroughly and make the process smooth. We enjoyed working with her and Linda.
    Abraham Z.
  • We loved working with Nancy and her team. This was the easiest mortgage application we have completed in our history of home mortgages. They always kept us apprised of whatRead more
    William H.
  • I was able to communicate with Nancy throughout this whole process even on weekends and late nights. She was able to make push our process on faster due to our own timing of things.
    Francis A.
  • Nancy is very knowledgeable and always helpful in any way she can. She responds promptly and always so kind. Nancy and Linda were great! I have used Nancy for loans multiple times!
    Dena H.
  • I contacted Nancy 5 years ago when my husband & I first started looking for a house & she was very kind & extremely patient with me & the dozensRead more
    Rebecca L.
  • Work with me every step of the way, Nancy and her team are Amazing.
    Charles L.
  • It was a great experience!
    Joel W.
  • Nancy was very professional but also put together a package that was tailored for us. She cared and it shows in her work. Our second time to work with her.
    Robert D.
  • The help I was given and just the ease of the home buying experience with Nancy was awesome. This was my first home purchase. Nancy did everything right and itRead more
    Michael G.
  • Nancy is always so responsive, even after business hours. This is the third transaction she has helped me with, and I have recommended her to both friends and family.
    Laura T.
  • Nancy and Linda were very professional and polite.
    John L.
  • Nancy and her team are on top of it!! They communicate (FAST), are so knowledgeable, and really care about the process. They are detail oriented and go above and beyondRead more
    Bridget V.
  • Nancy and Linda are awesome to work with.
    Mary H.
  • I could not have asked for better care and service than I received from Nancy and Linda!! I have already given Nancy's number out to 3 people that are going to be buying homes in the near future!
    Michael A.
  • Nancy is fantastic! She has helped our family buy a couple of homes now. Nancy is always available and goes out of her way to make sure the loan processRead more
    Carl A.
  • Nancy was so knowledgeable and helpful with everything even with things she didnt have and my family cant thank her enough for her hard work....thank you you were so wonderful to work with
    Eliud R.
  • What made this such a great experience is how clear everything was. When something needed to be submitted, I was notified with adequate amounts of time, and was able toRead more
    Jared C.
  • Nancy was always on top of things and very organized. She was such a delight to work with and made everything so easy for us. We would definitely recommend ourRead more
    Lori F.
  • Everything. No questions left unanswered and I was always updated on the process. She's great.
    Donald R.
  • They were awesome and easy to deal with
    Jake W.
  • Nancy is the best person to go to for a loan! Friendly, quick and really knows her job! She is an asset to your company for sure! Thank you Nancy!
    Wanda W.
  • Nancy and Linda were amazing. They answered every question I had during the process and worked together to make this as easy on me as possible. It was a pleasureRead more
    Brandon R.
  • As first time home buyers, Nancy helped us along the way by quickly responding to emails and answering all of our questions! She made the home buying process so much easier.
    Heather C.
  • This was the easiest and most pleasant mortgage process I’ve ever had. Nancy always quickly responded if I had questions, she was so kind, and the ability to do everything online was especially convenient during COVID.
    Aaron P.
  • From beginning to end Nancy and her team are informative, thorough and on task. I deeply appreciate the professionalism and effort they put into the entire process. I highly recommendRead more
    Emerson L.
  • I thought the refinancing process was going to be as hard as it was when I bought my house but Nancy walked me through everything I needed to do. IRead more
    Jon C.
  • Nancy was extremely helpful. As a first time homebuyer, it was so reassuring to have such an understanding and caring human being assisting me through this process. I couldn’t beRead more
    Tessa A.
  • Nancy is great to work with.
    Gregory H.
  • Nancy was always available to answer our questions in a positive and professional way.
    Nancy M.
  • Very helpful! Always answered my questions very quickly. Would highly recommend Nancy to anyone in need of mortgage services.
    Ryan T.
  • This is the second time I have had the honor of working with Nancy and Linda.. They make the process so easy. They both keep you informed about the progressRead more
    Donna S.
  • I believe the company is really in the business to help people. Nancy Poteet is exceptional for every part of the business from beginning to end. I have recommended the business and Nancy to several people.
    Theresa M.
  • Nancy and her team were great to work with. Online process was seamless and efficent. I highly recommend Nancy!
    Grant B.
  • I got an excellent rate and the the loan process was smooth from beginning to end! I was provided quality customer service and everyone involved was very pleasant to workRead more
    Jennifer R.
  • Nancy knows her stuff. Her knowledge and experience is why I chose her and she did not disappoint. She knew from the beginning what I would need to document myRead more
    Toni K.
  • Nancy Poteat and her team are the absolute best people to work with and have by my side through a home buying process. Every time I had any questions orRead more
    Kyle D.
  • GREAT service from day 1 thanks
    Guillermo M.
  • This is the 3rd time I've used Nancy and she makes the process so easy. She's a pleasure to work with!!
    Edward V.
  • Nancy worked tirelessly on my financing. We had a tight close date and she hit the date!
    Gregory S.
  • We’ve been going to Nancy for years! She’s always very patient and accommodating. She answers our questions in a timely manner and has looked out for us and made suggestionsRead more
    Carlos A.
  • Nancy is the best! This is our second mortgage with Nancy & she’s done a fantastic job with both of them. I’ll recommend her to anybody I know looking to buy a home.
    Charles J.
  • Nancy and her team were very personable and informative and able to answer all my questions.
    William W.
  • Nancy is always such a pleasure to work with. She explains everything so well so that we understand the whole process. She is timely In responding to questions that weRead more
    Randall J.
  • Good people aren’t as easy to find as they used to be. However, the whole team at C&F are easy to work with and helpful at every step of theRead more
    Andrew P.
  • Everything! The process was smooth and informal.
    Matthew A.
  • Nancy was the best throughout the whole process. She was easy to get a hold of if needed and was always a pleasure to speak with.
    David W.
  • Wonderful communication and advice. Fast and friendly service.
    Abigale L.
  • She made everything very easy. Thank you so much!
    Lou A.
  • Nancy and team made the process very easy to follow. They are polite and professional at all times. Very friendly and fun to deal with. Joe
    Joseph R.
  • Nancy was wonderful on our loan! Fantastic to work with! Telling everyone to get home loans with Nancy!!!
    James L.
  • Nancy was fantastic! She made the whole process go so smoothly and was there with us every step. The system they use was easy to navigate and any questions weRead more
    Jennifer I.
  • My husband and I just bought our first home....without a realtor. It was so daunting, and I had heard so many horror stories about how difficult the process is, butRead more
    Mikaela G.
  • It's has always been a pleasure working with Nancy Poteat she makes everything easy. This was our third home purchase and all have been with Nancy at C & F Mortgage.
    Bradley S.
  • Well informed throughout the entire process. Felt like I was working with family.
    Cory W.
  • Nancy was fabulous! Would absolutely recommend she and her team. It was a seamless and low stress experience throughout the entire process.
    Brian K.
  • Nancy was so accommodating and very helpful in this process. Great experience and would recommend Nancy to anyone!
    Karen C.
  • Nancy is friendly and courteous! We had no technology at our RV and Nancy and Linda went above and beyond to help us get paperwork signed and done. We greatly appreciated the extra help!
    Dennis W.
  • Every person involved made the process of buying my first home smooth. Any question, concern or worry I had she would help in any away shape or form. Amazing work and professionalism! 10000/10 stars!!!
    Joshua T.
  • Nancy was absolutely amazing to work with along with her sister Linda. Everything was so easy and smooth and they stayed on top of things the whole process.
    Linda A.
  • Nancy is responsive, helpful, and so nice. With this company, you are a person, not just another internet page hit.
    Heather C.
  • Excellent service!
    Joseph A.
  • Nancy is the very best. Not only does she do an awesome job and work her hardest but she also genuinely cares about people. She is compassionate not about theRead more
    Bobby J.
  • i appreciated the personal attention we were given when we had questions ,they were always there for us i recommend this company to any and every body
    Glenn E.
  • Nancy went above and beyond in every step of our homebuying experience. From pre-approval to closing, every time we had a question or concern we received an immediate detailed explanationRead more
    Zachary S.
  • Doing anything without your parents can be stressful I have lost both of mine so was so scared buying a home but Nancy went above any standard I could haveRead more
    April M.
  • Nancy was absolutely AMAZING throughout the whole process of purchasing my first home! Nancy answered any question I had and guided me in the right direction of what I neededRead more
    Lara Vae P.
  • Nancy and her assistant were responsive to our questions. They walked us through every step
    Darrell C K.
  • Outstanding Customer Service!
    Robert Scott C.
  • She was easy to talk to and answered all of my questions. This was my first home so I had lots of questions!
    Jessica R N.
  • Communication. Excellent customer service
    Ricky H B.
  • Nancy communicated very well. She provided exceptional customer service
    Patricia H B.
  • She was very thorough and made sure to explain things when I didn’t not understand them
    Benjamin L M.
  • Nancy (and Linda) are knowledgeable and prompt. Nancy stayed on top of the various changes and articulated the available options. I had no worries about their work, Nancy’s advice orRead more
    Julia A B.
  • She was very helpful. She answered all of our questions quickly and completely. Just a nice person
    Walter W.
  • Nancy was pleasant and very easy to work with. She didn't mind answering my question no matter how trivial and she answered quickly. I am very thankful she was recommended to us and I would certainly recommend her to others.
    Rose W.
  • Nancy was very friendly and quick to respond to all of our first-time-home-buyer questions. We would definitely recommend Nancy to any of our friends or family in the future!
    Amanda K F.
  • Answered all my questions no matter how many i had
    Morgan A S.
  • Very professional
    Richard L D.
  • Extremely communicative and honest. Sets realistic expectations and the whole team goes above and beyond!
    Patrick J G.
  • Any questions I had you were always happy to help with and took care of everything even when we hit a bump in the road. You guys are the best. Thanks for everything.
    Dana Wiseman L.
  • Everything was so easy. Nancy is so kind and easy to work with. It was like we had been friends forever.
    Catherine Stephens H.
  • Nancy was such a delight and so helpful in every way! Even if I’d call her multiple times a day she was pleasant and so kind. Couldn’t ask for better!
    Candy S.
  • Nancy is extremely knowledgeable, precise with figures, and Conscientious to close on time …every time. I am a realtor who works daily with hundreds of lenders and Nancy is at the TOP as a professional !! The BEST!
    Angela M D.
  • Nancy is so wonderful to work with. She is on top of things and very responsive.
    Pamela H H.
  • Nancy is especially good at navigating unique loan situations and breaking down information for borrowers. It makes for a very pleasant and less intimidating experience.
    Janet M C.
  • Nancy and Linda are great at what they do. They are knowledgeable, courteous and very client centered. I would not hesitate to use them again for future needs.
    Amy C J.
  • Quick and easy.
    Charles V C.
  • You guys were very easy to work with, very knowledgeable, and always available when we had questions.
    Kyndra Leigh M.
  • Clear instructions and expectations, willingness to answer questions patiently, good communication all the way around. Best mortgage experience we've ever had.
    Lynn D. O.
  • Nancy is a joy to work with. Great communication the whole way through. She made a very stressful situation as easy as she could. We appreciate her and her team so much
    Clinton D B.
  • Nancy pays attention to the process and makes sure you have all details covered . She stays in touch and is a pleasure to deal with. I recommend her to all friends
    Michael S S.
  • Absolutely loved working with Nancy. She made the process of buying our first home so smooth and enjoyable. Will definitely seek her out again one day if we need to purchase another home.
    Matthew Garrison S.
  • She kept me informed and stayed on top of everything for me.
    Jeffery Scott Y.
  • She was awesome and very timely with things!!!
    Kylie W.
  • Great communication and fast return of calls/emails if we needed something! Answered all questions we had as first time home buyers!
    Matthew J D.
  • Nancy & Linda both are great at letting you know what is needed and the process was so smooth. Highly recommend them. Had us a clear to close early on!! Thank you!!
    Lisa A B.
  • Nancy was so knowledgeable about the process and kept us informed with each and every step. We appreciate her and Linda's communication and help in the lending process.
    Gary A B.
  • Nancy Poteat was very knowledgeable, helpful, and kind throughout the whole process!
    Megan E P.
  • Nancy and Linda were great. They communicated very well and accommodate to our needs during the refinance process. This is our second time working with Nancy and Linda with our loans.
    Royer A P.
  • Great customer service!
    Karla M L.
  • This was our 2nd loan with Nancy Poteat and what I really appreciated was the sense that she wanted to make our dreams come true as much as we did.Read more
    Jon Christopher B.
  • I love working with Nancy. She is so friendly and responsive. She makes the mortgage experience so much easier.
    Christy D P.
  • Nancy and Linda both were amazing and took the time to make sure we understood all the options, why we needed what we needed, where we were in the processRead more
    Hoby R G.
  • I felt as if we were working as a team, I was always informed, included and advised. They knew exactly what was needed to complete to close the loan. ItRead more
    Catora M W.
  • My whole experience with Nancy was one to remember. With everything that happened with my situation, Nancy did everything in her power to make it happen. She is a veryRead more
    Marquis Dante G.
  • Nancy is the best! She makes the loan process very easy. I would recommend her to anyone looking for a loan.
    Charles Jason M.
  • Great communication and great understand about what needed to be done. Also Nancy is just a great person and makes you feel like you are taken care of
    Nicholas R F.
  • Nancy was great. Communication was great. Very good experience.
    Cameron L S.
  • Nancy was great to work with throughout the process and her team was all great with communication.
    Jamie L.
  • Nancy made this process very easy for us. We enjoyed working with her and C and F mortgage.
    James D W.
  • Nancy was a pleasure to work with, she made the whole process very easy to understand and explained everything. She made us feel like she was there for us andRead more
    John L C.
  • The process was super fast Nancy gave me the best and honest advise Understood my needs and helped me the best way she could
    Lindsay C.
  • Nancy is absolutely amazing. She took the time to explain everything and handled our case with care.
    Jessica T O.
  • Nancy and Linda were great to work with..they communicated very well with us and was available whenever we had a question…Nancy previously handled the transaction for my previous home purchaseRead more
    Elmer Ray R.
  • Nancy and Linda have always been great! They make the entire process a thousand times easier!! I would never use or recommend a different lender!
    Jenna S S.
  • Nancy was great as usual. This was our third home purchase and Nancy has done all three. We wouldn't use anyone else.
    Bradley S S.
  • My wife and I feel that Nancy went above and beyond to get the best possible loan for us. She was extremely informative and communication was outstanding! We will be recommending C and F to everyone we know!
    Aaron J L.
  • Nancy was very prompt to respond and was great at answering all question throughly and accurately.
    Katherine Nicole M.
  • Nancy is a great communicator. She was very patient, informative and helpful. I appreciated her communicating every step as to what we needed. The process was fast and efficient.
    Sandra M.
  • Nancy kept us up to date on what was going on and if something needed to be signed or taken care of. Very professional, kind, and willing to go above and beyond to help
    John Michael G.
  • Nancy kept us very informed and was so pleasing to work with
    Lloyd M R.
  • Nancy Poteat kept in constant contact with us throughout the entire process. I'm 72 and have had to move several times with my work. She has always been there forRead more
    Richard A E.
  • Nancy always takes great care of us! She is very knowledgeable, compassionate and always goes above and beyond to get the job done.
    Bobby Joe K.
  • This is the second time I have used Nancy. She made this process so simple for me. Arranged everything from the beginning to the very end. Wouldn’t use anyone else.
    Sarah Keever F.
  • All I can say is Nancy made everything so easy. If I had know the process was going to be this easy I would have done this a long timeRead more
    Debra R P.
  • Nancy was on top of everything immediately.
    Bryan L P.
  • We loved working with Nancy. This was the smoothest mortgage and home buying experience ever!
    Betsy H.
  • We could not have survived this moved and home buying process without Nancy. Her words of wisdom were spot on and timely!
    Charles H.
  • Nancy knows all the inns and outs of her job
    Michael P F.
  • Very nice and professional. Made this this process very easy for first time home buyers.
    Camden S V.
  • Nancy helped us every step of the way. She went beyond what was necessary to help with the processes that were needed. Always returned our calls promptly. Her and Linda are awesome!
    Philip E M.
  • Nancy and her team are awesome. I could not have asked for a better experience in purchasing our Dream Home.
    Shawn B L.
  • I received excellent communication from the team. I received advise on how to approach an issue with a mortgage that was not "satisfied" when paid off. That was much appreciated.
    Paula B.
  • Communication help me tremendously I had no ideas idea how to ensign but Nancy needed to push me through very grateful for her and patty my friends for life
    Jeannie F P.
  • Nancy and her team had the answer to all the question we had and helped us get the house we wanted.
    Samuel Grayson H.
  • Nancy and her team were super thorough and answered every question I had in a timely manner. Nancy even helped me find better home owners insurance! Thank you for an easy experience with buying my 1st home!!
    Jennifer N H.
  • This was my first home purchase. The process was new to me, and Nancy did an incredible job teaching me about the process, and keeping me informed. I will neverRead more
    Cameron H J.
  • Nancy was very helpful
    Kyle T D.
  • Nancy was the bomb and still is the bomb. She is great.
    Charles R P.
  • It could not have been smoother or more pleasurable. Nancy is a consummate professional, able to answer all questions and is exceptionally responsive.
    Kathi R.
  • I feel like I gained a friend in Nancy. She is the best person to help me through this process. She is fabulous!
    Tracy C.
  • I cannot say enough about my experience! Nancy and Linda are incredible and made the whole process extremely easy and we’re both so very helpful and professional ! I couldn’tRead more
    Michael H.
  • We are first time home buyers and have had such an amazing experience with Nancy and Linda! Their quick communication and openness about the process made us feel so comfortable with them. Definitely recommend them to anybody!
    Sydney S.
  • Very good
    Roger L.
  • This is my third time using Nancy. There is no one else that I would recommend besides her and her team! She is truthful, honest and someone you can always rely on!
    Sarah S.
  • Great experience! Nancy and Linda answered every question we had during the process and we enjoyed working with them!
    Staci D.
  • Great service
    Steven W.
  • Working with you, we had excellent costumer service, thoughtfulness, care, and on top of it all, true wisdom and skill in loan expertise. Thank you
    Ryan J.
  • Very knowledgeable, every step of the process, Nancy was there to help.
    Larry A N.
  • Very patient, attentive, and helpful throughout the entire process.
    Eric R W.

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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