Nicole Patch

Loan Officer, NMLS# 1909365

Address: 1320 Central Park Boulevard Suite 201, Fredericksburg, Virginia 22401
O: 540.548.8855 ext 73628 M: 703.232.3514 F: 804.419.2998
E: npatch@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.

Customer Reviews

  • Nicole was very helpful and quickly answered in questions or concerns that we had. This was something my husband and I had never gone through and she and C&F made it a breeze. Thank you!
    5.00
    Danny A.
    August 20, 2024
  • Smooth , everything was great .
    5.00
    Brent S.
    July 14, 2024
  • Fast, efficient, and helpful.
    4.00
    Alfred P.
    May 17, 2024
  • Nicole was very helpful through the whole process.
    5.00
    Michael S.
    April 18, 2024
  • Nicole Patch is on the ball! She is one of the most helpful people in business I have ever met! THANK YOU!
    5.00
    Elizabeth H.
    December 08, 2023
  • Nicole is Amazing!! She takes the time to answer wvery and all questions no matter how big or small. This company is full of great team members and I'm soRead more
    5.00
    Shannon S.
    December 02, 2023
  • Nicole and her team were great! Appreciate everything she did. Thanks!
    5.00
    William L.
    October 23, 2023
  • Good
    4.00
    Adonis A.
    September 23, 2023
  • Nicole Patch was so great to work with. She went above and beyond for us. She explained everything very well and it was a great experience.
    5.00
    Pamela S.
    September 21, 2023
  • Nicole was with me every step of the way and I am so grateful for her and all her help
    5.00
    Antonio S.
    June 07, 2023
  • Nicole was very patient and made time to explain everything to someone who had no idea how to go about getting a loan. I was most impressed by our firstRead more
    4.16
    Kira N.
    May 26, 2023
  • Easy process. The staff was friendly and helpful
    5.00
    Jody H.
    May 25, 2023
  • Nicole is Fun, professional, and considerate.
    5.00
    Corbin R.
    April 26, 2023
  • Nicole was nice and encouraging to me and also doing her best for me to get a place to stay. I appreciate her a lot. Thank you
    5.00
    Anita Serwaa A.
    April 13, 2023
  • Nicole Patch is amazing
    5.00
    Tiffany M.
    April 08, 2023
  • communication, explanation of process, and quick closing process
    5.00
    Anthony Q.
    February 25, 2023
  • The constant communication and the feeling of genuine concern for my wellness doing the process.
    4.50
    Wayne Leon J.
    January 10, 2023
  • Just working with Nicole made it GREAT.
    4.16
    Audrey Hermenia R.
    December 16, 2022
  • Awesome and smooth process. Thank you Nicole.
    5.00
    Taryn R.
    August 16, 2022
  • MICHELLE AND Nicole work miracle for me..Thank you ...Thank you....
    5.00
    Amy Delorise W.
    July 17, 2022
  • She was always available when we had questions and got us answers as fast as she could
    4.83
    Jerry Wayne C.
    June 29, 2022
  • Great communication and help throughout the process.
    5.00
    Anthony Caprio D.
    June 01, 2022
  • Nicole and Paula and her team did everything they could to help us get our loan for our new home they were very professional and friendly what a team
    5.00
    Brian Lee A.
    May 20, 2022
  • Nicole kept in contact and responded when I called or emailed. You all also had great rates
    4.50
    Travis D. D.
    April 26, 2022
  • Both Nicole and Michele kept me well informed and was easy to get in touch with whenever I had a question. They both were also very personable and made it seem more than just a business transaction.
    5.00
    David Lyn K.
    April 19, 2022
  • Nicole and Alica were phenomenal at helping us find the perfect house and being patient with our craziness and 3 million questions.
    5.00
    Katherine L. M.
    April 19, 2022
  • Nicole helped us every step of the way and keep us updated with the whole process.
    5.00
    Stephanie Ann B.
    February 17, 2022
  • This was a smooth process and Nicole along with our realtor Eric made this a great transaction. Nicole was knowledgeable and she helped me with issues I was having withRead more
    5.00
    Billie L. K.
    December 29, 2021
  • All my expectations were met.
    5.00
    Hilda O.
    November 30, 2021
  • Nicole guided me through the process every step of the way. I never would have been able to do this without her!!!!
    5.00
    Mia A. D.
    November 30, 2021
  • Nicole listened to all my concerns and was very helpful with every question I had. I appreciate her calming me down when the procress was causing me anxiety. I reallyRead more
    5.00
    Kristen Elizabeth D.
    November 09, 2021
  • Nicole was amazing, she was patient, kept us informed and at ease throughout the entire process. I highly recommend Nicole to anyone who is nervous or unsure about buying theirRead more
    5.00
    Tracey H.
    November 07, 2021
  • Everything was handled quickly and efficiently. I felt very comfortable about my loan and understood the terms
    5.00
    Sam P.
    November 03, 2021
  • Nicole cares about her client's. She will do everything in her power to guide in in the right direction
    5.00
    Melissa B.
    November 03, 2021
  • Nicole went above and beyond to get me to where I needed to be I buy a house. I could not have done this without her!
    5.00
    Erica W.
    June 17, 2021
  • Timeliness in responses and being knowledgeable when I had questions.
    5.00
    Kristin H.
    May 14, 2021
  • Nicole and Gabby were great to work with, always available to answer any questions, and worked endlessly to get us to our closing date. They made our first time homebuyer experience as stress free as possible! Fantastic team!
    5.00
    Tracy T.
    April 24, 2021
  • Our family had an excellent time working with Nicole and Michele!!!!!! They both are so very professional and caring!!!!! Will recommend them to all my friends and family!!!!!!!!!
    5.00
    Michael H.
    March 24, 2021
  • The on hand experience and feeling that Nicole had had my best interest at hart...I knew that I was in good hands with Nicole.....!!!!!!
    5.00
    Gregory H.
    March 24, 2021
  • Nicole was very thorough and attentive to my needs during the process of me buying my home. She always answered all of my questions and provided continuous reassurance and support.Read more
    5.00
    Christina N.
    September 26, 2020
  • Because Nicole had consistent communication with us we established trust with her. She was able to keep us informed and involved of the loan process, which can be a veryRead more
    5.00
    ellen p.
    September 14, 2020
  • Professional and friendly.
    5.00
    Andrew B.
    September 07, 2020
  • Nicole was very informative and was able to answer all of my questions in a clear and detailed manner. She was responsive and let me know if potential opportunities I could take. She made the experience pleasant and easy!
    5.00
    Julie H.
    August 28, 2020
  • Great service, easy process.
    5.00
    Kevin P.
    August 28, 2020
  • Nicole was always available and would respond to our many questions even when asked late on a weekend.. With her guidance we were able to repair our credit to theRead more
    5.00
    John N.
    August 28, 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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