Nancy
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
E: npoteat@cfmortgagecorp.com

Your Local Industry Expert.

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

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

Five star mortgage professional for 2024.

 

Customer Reviews

  • The Absolutely Best Experience I've ever had in my life when it came to getting my Forever Home!! Nancy and Linda were always a phone call away if I hadRead more
    5.00
    Timothy C.
    October 16, 2024
  • They're the best. We love working with them!
    5.00
    Catherine R.
    October 07, 2024
  • Wonderful experience, Nancy and Linda made this process so easy and seamless. Thank you so much
    5.00
    Sharon B.
    September 11, 2024
  • Everything was so easy and fast. Nancy and Linda walked me trough everything and helped me tremendously!
    5.00
    Zachery R.
    September 10, 2024
  • Nancy is the best! So great to work with
    5.00
    Alexandria P.
    September 06, 2024
  • Applying for a mortgage can be nerve racking. Nancy made the process so comfortable. She communicated effectively throughout the process. Although we just met, working with Nancy was like dealing with a lifelong friend!
    5.00
    Joseph P.
    August 01, 2024
  • 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
    5.00
    Michael H.
    July 16, 2024
  • Nancy was wonderful
    5.00
    Gregory E.
    July 10, 2024
  • easy, quick and excellent communications
    5.00
    Kalvin M.
    June 20, 2024
  • easy and quick
    5.00
    Kalvin M.
    June 19, 2024
  • Excelent
    5.00
    Melvin M.
    May 29, 2024
  • Very easy and smooth transaction.
    5.00
    Frank M.
    April 08, 2024
  • I love working with Nancy and her team. She is excellent at being responsive and patient with all my questions.
    5.00
    Christy B.
    March 28, 2024
  • Thank you to everyone that helped do our loan. The process was easy and everything was explained steep by steep. And a special thanks to Nancy Poteat she wasRead more
    5.00
    Michael C.
    March 27, 2024
  • Everyone was professional and timely with any questions or follow up.
    5.00
    Rocksann C.
    February 21, 2024
  • Very pleasant for me being a first time home buyer! Nancy has been amazing to work with and always helped me when I had questions or concerns. Very lovely lady!
    5.00
    Catherine W.
    February 08, 2024
  • Nancy was awesome, she walked us throughout the process, answer all of our questions and was available instantly. Overall we were pleased and thankful for her. 100+
    5.00
    Andrea L.
    January 29, 2024
  • Nancy and the team are good at what they do and made this process as smooth as it could have went. Thanks for all of the help.
    5.00
    John C.
    December 22, 2023
  • Easy, seamless, stress-free. Nancy and her team were a dream to work with!
    5.00
    John L.
    December 21, 2023
  • Communication was amazing, directions were clear and explained thoroughly, and everything I needed was handled swiftly and promptly — from start to finish.
    5.00
    Laura X.
    December 07, 2023
  • My experience with Nancy Poteat and her team as well as C&F Mortgage was excellent. Nancy was always willing to explain in detail anytime I had a question forRead more
    5.00
    Ernest P.
    November 22, 2023
  • Nancy Poteat made everything easy to understand and easy to do! Highly recommend her! She answered all my questions and helped me out tremendously!
    5.00
    Albert M.
    November 21, 2023
  • I felt comfortable in that I had full support from my lending officer. She stayed in touch all the way.
    5.00
    Anna H.
    November 02, 2023
  • Nancy was an absolute dream to work with! She explained everything and help wherever she could! Communication could not have been better!
    5.00
    Joanne L.
    October 24, 2023
  • Nancy was an absolute dream to work with! She explained everything and help wherever she could! Communication could not have been better!
    5.00
    Joanne L.
    October 23, 2023
  • Nancy and Linda were absolutely amazing to work with. They were kind and patient, explained things to us, and I could tell the truly cared for us and shared inRead more
    5.00
    Bennett K.
    September 28, 2023
  • The process was very easy, almost too easy. Thank you all who helped us into our first home.
    5.00
    Bennett K.
    September 25, 2023
  • Nancy and Linda are the best. If I could give 6 stars I would.
    5.00
    Warren B.
    August 31, 2023
  • great.
    5.00
    John S.
    August 21, 2023
  • It could not have been smoother or more pleasurable. Nancy is a consummate professional, able to answer all questions and is exceptionally responsive.
    5.00
    Kathi R.
    August 15, 2023
  • I feel like I gained a friend in Nancy. She is the best person to help me through this process. She is fabulous!
    5.00
    Tracy C.
    August 07, 2023
  • Great experience! Nancy and Linda answered every question we had during the process and we enjoyed working with them!
    5.00
    Staci D.
    August 02, 2023
  • Very good
    5.00
    Roger L.
    July 28, 2023
  • 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!
    5.00
    Sarah S.
    June 27, 2023
  • 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!
    5.00
    Sydney S.
    June 27, 2023
  • 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
    5.00
    Michael H.
    June 16, 2023
  • Nancy was the bomb and still is the bomb. She is great.
    5.00
    Charles R P.
    May 06, 2023
  • Nancy was very helpful
    5.00
    Kyle T D.
    May 05, 2023
  • 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
    5.00
    Cameron H J.
    May 02, 2023
  • Nancy and her team had the answer to all the question we had and helped us get the house we wanted.
    5.00
    Samuel Grayson H.
    April 30, 2023
  • 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!!
    5.00
    Jennifer N H.
    April 27, 2023
  • 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
    5.00
    Jeannie F P.
    April 20, 2023
  • 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.
    5.00
    Paula B.
    March 30, 2023
  • 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!
    5.00
    Philip E M.
    March 09, 2023
  • Nancy and her team are awesome. I could not have asked for a better experience in purchasing our Dream Home.
    5.00
    Shawn B L.
    March 08, 2023
  • Very nice and professional. Made this this process very easy for first time home buyers.
    5.00
    Camden S V.
    February 17, 2023
  • Nancy knows all the inns and outs of her job
    5.00
    Michael P F.
    January 26, 2023
  • We could not have survived this moved and home buying process without Nancy. Her words of wisdom were spot on and timely!
    5.00
    Charles H.
    December 29, 2022
  • We loved working with Nancy. This was the smoothest mortgage and home buying experience ever!
    5.00
    Betsy H.
    December 29, 2022
  • 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.
    5.00
    Sarah Keever F.
    December 29, 2022
  • Nancy was on top of everything immediately.
    5.00
    Bryan L P.
    December 24, 2022
  • 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
    5.00
    Debra R P.
    December 24, 2022
  • Nancy always takes great care of us! She is very knowledgeable, compassionate and always goes above and beyond to get the job done.
    5.00
    Bobby Joe K.
    December 18, 2022
  • 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
    5.00
    Richard A E.
    December 14, 2022
  • Nancy kept us very informed and was so pleasing to work with
    5.00
    Lloyd M R.
    November 10, 2022
  • 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.
    5.00
    Sandra M.
    September 06, 2022
  • 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
    5.00
    John Michael G.
    September 02, 2022
  • Nancy was very prompt to respond and was great at answering all question throughly and accurately.
    5.00
    Katherine Nicole M.
    September 02, 2022
  • 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!
    5.00
    Aaron J L.
    August 23, 2022
  • Nancy is absolutely amazing. She took the time to explain everything and handled our case with care.
    5.00
    Jessica T O.
    August 09, 2022
  • 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
    5.00
    Elmer Ray R.
    August 09, 2022
  • 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!
    5.00
    Jenna S S.
    August 08, 2022
  • Nancy was great as usual. This was our third home purchase and Nancy has done all three. We wouldn't use anyone else.
    5.00
    Bradley S S.
    August 05, 2022
  • The process was super fast Nancy gave me the best and honest advise Understood my needs and helped me the best way she could
    5.00
    Lindsay C.
    July 30, 2022
  • 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
    5.00
    John L C.
    July 28, 2022
  • Nancy made this process very easy for us. We enjoyed working with her and C and F mortgage.
    5.00
    James D W.
    July 16, 2022
  • Nancy was great to work with throughout the process and her team was all great with communication.
    5.00
    Jamie L.
    May 31, 2022
  • 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
    5.00
    Nicholas R F.
    May 27, 2022
  • Nancy was great. Communication was great. Very good experience.
    5.00
    Cameron L S.
    May 24, 2022
  • Nancy is the best! She makes the loan process very easy. I would recommend her to anyone looking for a loan.
    5.00
    Charles Jason M.
    May 23, 2022
  • 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
    5.00
    Marquis Dante G.
    May 20, 2022
  • 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
    5.00
    Catora M W.
    April 06, 2022
  • 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
    5.00
    Hoby R G.
    April 05, 2022
  • I love working with Nancy. She is so friendly and responsive. She makes the mortgage experience so much easier.
    5.00
    Christy D P.
    March 18, 2022
  • 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
    5.00
    Jon Christopher B.
    March 08, 2022
  • Great customer service!
    5.00
    Karla M L.
    March 05, 2022
  • 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.
    5.00
    Royer A P.
    March 02, 2022
  • Nancy Poteat was very knowledgeable, helpful, and kind throughout the whole process!
    5.00
    Megan E P.
    February 25, 2022
  • 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.
    5.00
    Gary A B.
    February 25, 2022
  • She was awesome and very timely with things!!!
    5.00
    Kylie W.
    February 16, 2022
  • Great communication and fast return of calls/emails if we needed something! Answered all questions we had as first time home buyers!
    5.00
    Matthew J D.
    February 15, 2022
  • 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!!
    5.00
    Lisa A B.
    February 11, 2022
  • She kept me informed and stayed on top of everything for me.
    5.00
    Jeffery Scott Y.
    February 05, 2022
  • 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
    5.00
    Michael S S.
    January 31, 2022
  • 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.
    5.00
    Matthew Garrison S.
    January 30, 2022
  • 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
    5.00
    Clinton D B.
    January 21, 2022
  • Very patient, attentive, and helpful throughout the entire process.
    4.83
    Eric R W.
    January 12, 2022
  • Clear instructions and expectations, willingness to answer questions patiently, good communication all the way around. Best mortgage experience we've ever had.
    5.00
    Lynn D. O.
    January 06, 2022
  • You guys were very easy to work with, very knowledgeable, and always available when we had questions.
    5.00
    Kyndra Leigh M.
    December 14, 2021
  • Quick and easy.
    5.00
    Charles V C.
    December 14, 2021
  • Very knowledgeable, every step of the process, Nancy was there to help.
    4.83
    Larry A N.
    December 13, 2021
  • Nancy is so wonderful to work with. She is on top of things and very responsive.
    5.00
    Pamela H H.
    November 24, 2021
  • 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.
    5.00
    Amy C J.
    November 18, 2021
  • 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.
    5.00
    Janet M C.
    November 12, 2021
  • 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!
    5.00
    Angela M D.
    November 03, 2021
  • 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!
    5.00
    Candy S.
    October 31, 2021
  • Everything was so easy. Nancy is so kind and easy to work with. It was like we had been friends forever.
    5.00
    Catherine Stephens H.
    October 19, 2021
  • Extremely communicative and honest. Sets realistic expectations and the whole team goes above and beyond!
    5.00
    Patrick J G.
    October 11, 2021
  • 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.
    5.00
    Dana Wiseman L.
    October 08, 2021
  • Very professional
    5.00
    Richard L D.
    October 07, 2021
  • Answered all my questions no matter how many i had
    5.00
    Morgan A S.
    September 21, 2021
  • 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!
    5.00
    Amanda K F.
    September 21, 2021
  • 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.
    5.00
    Rose W.
    September 12, 2021
  • She was very helpful. She answered all of our questions quickly and completely. Just a nice person
    5.00
    Walter W.
    September 12, 2021
  • 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
    5.00
    Julia A B.
    September 08, 2021
  • Communication. Excellent customer service
    5.00
    Ricky H B.
    August 26, 2021
  • She was very thorough and made sure to explain things when I didn’t not understand them
    5.00
    Benjamin L M.
    August 26, 2021
  • Nancy communicated very well. She provided exceptional customer service
    5.00
    Patricia H B.
    August 21, 2021
  • She was easy to talk to and answered all of my questions. This was my first home so I had lots of questions!
    5.00
    Jessica R N.
    August 14, 2021
  • Outstanding Customer Service!
    5.00
    Robert Scott C.
    August 13, 2021
  • Nancy and her assistant were responsive to our questions. They walked us through every step
    5.00
    Darrell C K.
    August 07, 2021
  • 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
    5.00
    Lara Vae P.
    August 05, 2021
  • 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
    5.00
    April M.
    June 26, 2021
  • 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
    5.00
    Zachary S.
    June 18, 2021
  • 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
    5.00
    Glenn E.
    June 12, 2021
  • 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
    5.00
    Bobby J.
    June 08, 2021
  • Excellent service!
    5.00
    Joseph A.
    May 29, 2021
  • Nancy is responsive, helpful, and so nice. With this company, you are a person, not just another internet page hit.
    5.00
    Heather C.
    May 28, 2021
  • 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.
    5.00
    Linda A.
    May 26, 2021
  • 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!!!
    5.00
    Joshua T.
    May 15, 2021
  • 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
    4.83
    Ryan J.
    May 13, 2021
  • 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!
    5.00
    Dennis W.
    May 12, 2021
  • Nancy was so accommodating and very helpful in this process. Great experience and would recommend Nancy to anyone!
    5.00
    Karen C.
    May 07, 2021
  • Well informed throughout the entire process. Felt like I was working with family.
    5.00
    Cory W.
    May 07, 2021
  • Nancy was fabulous! Would absolutely recommend she and her team. It was a seamless and low stress experience throughout the entire process.
    5.00
    Brian K.
    May 03, 2021
  • The communication between Nancy and Linda were amazing. I didn’t worry about anything because I knew they were on top of it!
    5.00
    Dawn M.
    April 30, 2021
  • 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.
    5.00
    Bradley S.
    April 30, 2021
  • 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
    5.00
    Jennifer I.
    April 28, 2021
  • 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
    5.00
    Mikaela G.
    April 27, 2021
  • Nancy was wonderful on our loan! Fantastic to work with! Telling everyone to get home loans with Nancy!!!
    5.00
    James L.
    April 22, 2021
  • 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
    5.00
    Joseph R.
    April 19, 2021
  • She made everything very easy. Thank you so much!
    5.00
    Lou A.
    April 15, 2021
  • Wonderful communication and advice. Fast and friendly service.
    5.00
    Abigale L.
    April 12, 2021
  • 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.
    5.00
    Charles J.
    April 10, 2021
  • 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.
    5.00
    David W.
    April 09, 2021
  • Everything! The process was smooth and informal.
    5.00
    Matthew A.
    April 04, 2021
  • 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
    5.00
    Andrew P.
    April 02, 2021
  • 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
    5.00
    Randall J.
    April 02, 2021
  • Nancy and her team were very personable and informative and able to answer all my questions.
    5.00
    William W.
    April 01, 2021
  • 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
    5.00
    Carlos A.
    March 27, 2021
  • Nancy worked tirelessly on my financing. We had a tight close date and she hit the date!
    5.00
    Gregory S.
    March 22, 2021
  • This is the 3rd time I've used Nancy and she makes the process so easy. She's a pleasure to work with!!
    5.00
    Edward V.
    March 18, 2021
  • GREAT service from day 1 thanks
    5.00
    Guillermo M.
    March 17, 2021
  • 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
    5.00
    Kyle D.
    March 14, 2021
  • 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
    5.00
    Toni K.
    March 12, 2021
  • 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
    5.00
    Jennifer R.
    March 11, 2021
  • Nancy and her team were great to work with. Online process was seamless and efficent. I highly recommend Nancy!
    5.00
    Grant B.
    March 10, 2021
  • 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.
    5.00
    Theresa M.
    March 08, 2021
  • 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
    5.00
    Donna S.
    February 18, 2021
  • Nancy was always available to answer our questions in a positive and professional way.
    5.00
    Nancy M.
    February 15, 2021
  • Very helpful! Always answered my questions very quickly. Would highly recommend Nancy to anyone in need of mortgage services.
    5.00
    Ryan T.
    February 15, 2021
  • Nancy is great to work with.
    5.00
    Gregory H.
    February 11, 2021
  • 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
    5.00
    Tessa A.
    February 11, 2021
  • 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
    5.00
    Jon C.
    February 10, 2021
  • 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
    5.00
    Emerson L.
    February 04, 2021
  • 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.
    5.00
    Aaron P.
    January 21, 2021
  • Great service
    4.83
    Steven W.
    January 17, 2021
  • 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
    5.00
    Brandon R.
    January 06, 2021
  • 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.
    5.00
    Heather C.
    January 06, 2021
  • 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!
    5.00
    Wanda W.
    December 24, 2020
  • They were awesome and easy to deal with
    5.00
    Jake W.
    December 21, 2020
  • Everything. No questions left unanswered and I was always updated on the process. She's great.
    5.00
    Donald R.
    December 15, 2020
  • 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
    5.00
    Lori F.
    December 11, 2020
  • 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
    5.00
    Jared C.
    December 11, 2020
  • Nancy was so knowledgeable and helpful with everything even with things she didnt have to....me and my family cant thank her enough for her hard work....thank you you were so wonderful to work with
    5.00
    Eliud R.
    December 05, 2020
  • 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
    5.00
    Carl A.
    November 15, 2020
  • 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!
    5.00
    Michael A.
    November 14, 2020
  • Nancy and Linda are awesome to work with.
    5.00
    Mary H.
    November 13, 2020
  • 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
    5.00
    Bridget V.
    November 11, 2020
  • Nancy and Linda were very professional and polite.
    5.00
    John L.
    November 08, 2020
  • 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.
    5.00
    Laura T.
    November 02, 2020
  • 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
    5.00
    Michael G.
    November 01, 2020
  • 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.
    5.00
    Robert D.
    October 30, 2020
  • It was a great experience!
    5.00
    Joel W.
    October 14, 2020
  • Work with me every step of the way, Nancy and her team are Amazing.
    5.00
    Charles L.
    October 09, 2020
  • 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
    5.00
    Rebecca L.
    October 09, 2020
  • 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!
    5.00
    Dena H.
    October 06, 2020
  • 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.
    5.00
    Francis A.
    October 06, 2020
  • 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
    5.00
    William H.
    October 05, 2020
  • Nancy was great to work with, she explained everything thoroughly and make the process smooth. We enjoyed working with her and Linda.
    5.00
    Abraham Z.
    October 02, 2020
  • 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!
    5.00
    Beth N.
    October 01, 2020
  • Nancy and Linda were amazing. They kept me informed along the way and made sure we closed ON TIME.
    5.00
    Lindsay B.
    September 26, 2020
  • 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.
    5.00
    Pauline D.
    September 20, 2020
  • 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
    5.00
    Sara A.
    September 15, 2020
  • Great rate. Kept the process moving. Excellent service. The transaction closed as scheduled.
    5.00
    Johnathan L.
    September 13, 2020
  • Nancy was great. Made refinancing so easy.
    5.00
    Kendall C.
    September 06, 2020
  • 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.
    5.00
    Jack E.
    September 05, 2020
  • 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.
    5.00
    Justin C.
    September 03, 2020
  • 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.
    5.00
    Kathy J.
    September 03, 2020

Why C&F Mortgage?

Local Industry Expert

We’ve built our reputation as a trusted lender since 1995 by supporting 100,000+ families, closing $21+ billion in loans and earning a 98% customer satisfaction rating.

Innovative Financing Solutions

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

Focused on You In-Person or Online

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

First-Time Buyer Specialist

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

C&F University

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

Helpful Articles

Let’s get your home financing journey started.

Ready to get started?  

Apply Now

Have questions or need support?

How do I download the mobile app?

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

DownloadingApp1

Enter your email address and create a password.

DownloadingApp2

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

DownloadingApp3

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

DownloadingApp4

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

DownloadingApp6

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

DownloadingApp7

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

DownloadingApp8

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

DownloadingApp9

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

What documents do I need to apply?

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

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

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

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

Divorced or Separated:

  • Divorce Decree and/or
  • Separation Agreement

Self-employed:

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

Social Security Income:

  • 2 years 1099
  • Awards Letter

Receiving a Monetary Gift:

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

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

  • Fully Ratified Sales Contract

Veteran / VA Loan:

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

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

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

Syncing within the App

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

After clicking the Automatic Check button, you will be able to select and/or search your financial institution where your checking, savings, investment and/or retirement accounts are held.

As you type, the search engine will produce a list of close matches. 

 

Once the login page is displayed, enter your online banking credentials to sign in. Because your security is our highest priority, your login credentials are never visible to anyone and are encrypted to ensure confidentiality.

Once AccountChek is authorized to connect to your financial institution, you will be taken to the Review and Submit page. You can click +Add Another Financial Institution to add more accounts while we finish gathering account data.

Once you have added all accounts needed to qualify for your loan, please select which accounts you would like to share by checking the checkbox to the right of each account. Once all desired accounts are Linked, click Finish & Share to complete the process! Your lender will notify you if you need to log back in and provide further information.

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

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

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

Uploading Digital E-statement

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

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

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

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

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

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

How do I provide my income documentation?

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

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

Syncing within the App

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

By selecting “Automatic Check” a screen will then load where you will be presented with a search menu. You can search for your employer.

As you type, the search engine will produce a list of close matches. 

Click on your employer’s name and click Continue.

Next you will be asked to select your Payroll Provider. Click on the provider name. After reviewing permissions, click Continue to pull up the login page

Once the login page is displayed, enter your payroll provider credentials to sign in. Because your security is our highest priority, your login credentials are never visible to anyone and are encrypted to ensure confidentiality. If you do not know your login credentials, use the “reset now” link below the submit button.

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

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

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

Uploading Digital Pay stub PDF

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

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

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

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

 

Scanning Printed Pay stub:

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

 

How do I scan documents within the mobile app?

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

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

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

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

add document

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

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

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

take picture

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

click ok

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

scan mode

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

scan crop

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

scan crop back

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

adjust contrast

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

send

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

send securely

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

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