Vickie Painter 2023 500
Vickie Painter

Fishersville Market Manager / VP / Loan Officer, NMLS# 310463

Address: 520 Lew Dewitt Blvd Suites 104 and 105, Waynesboro, Virginia 22980
O: 540.943.4484 F: 804.419.2996

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

  • Vickie helped us the entire time. She over exceeded my expectations. We are first time home owners and she made our VA loan as easy and pleasant as can be.
    5.00
    Kelly J.
  • Vicki was very knowledgeable and friendly. A joy to work with!
    5.00
    Tabitha V.
  • Vickie was so wonderful ! She helped us get on track to purchase our forever home ! It was so easy to always know what was next Vickie always keptRead more
    5.00
    Michael E.
  • Vickie told me and my spouse exactly what we needed to do from day one, and everything went so smoothly, we highly recommend Vickie Painter
    5.00
    Shawn D.
  • Vickie was extremely nice and very helpful! She made me feel comfortable to ask my questions and helped navigate the process and I really appreciated that!
    5.00
    Logoldia H.
  • Absolutely the best around!
    5.00
    Devon N.
  • Vicky was available any time I needed information
    5.00
    DAVID G.
  • This was my third mortgage with Vickie Painter. She was a speaker at a real estate class I was taking years ago. She was awesome and I have dealt withRead more
    5.00
    Maria S.
  • Vickie is the absolute best to work with. We have worked with her six times now and every time she has been very helpful, knowledgeable and there for us in every way. I would never recommend anyone but her!
    5.00
    Jami L.
  • First time home buyer , Vicki went above and beyond , took care of a lot of things to make the process easier , was in a house in less then two months , definitely a great loan officer
    5.00
    Jonathan L.
  • Vickie was helpful every step of the way! She was so kind and caring throughout the whole process. She answered all my questions quickly and always kept me updated on how everything was going!
    5.00
    GAIL K.
  • Vickie kept me informed every step of the way. She made sure that I understood everything that I was ask to give her and the reason behind it. She wentRead more
    5.00
    TAMELA M.
  • Wonderful working with Vickie.
    5.00
    JURGENE F.
  • This is my second time using Vickie and C&F to get a mortgage and both times I knew that I was getting the best service and someone who is veryRead more
    5.00
    TRACI L.
  • I have recommended Vickie and will continue to do so.
    5.00
    ORVIL W.
  • Vickie was always quick to respond to any communication I sent. She was reassuring when I needed it. She was just as invested in our process as we were.
    5.00
    Marsha L.
  • Vickie was absolutely amazing. She helped make the stressful home buying process as easy and seamless as possible. I always felt like she had my best interests in mind, andRead more
    5.00
    David M.
  • Very friendly and professional. Had a good process throughout the whole deal.
    5.00
    Corry W.
  • Vickie made it great with her experience and knowledge. So glad I chose her to work with me.Thank you!
    5.00
    MARY J.
  • Vickie is pleasant, personal, professional and very responsive. It was reassuring working with her, Twila and their team. Thanks for this opportunity. I would highly recommend her. -Geoff
    5.00
    EARLE G.
  • Vickie Painter, is a very patient and kind Woman.
    5.00
    COREY L.
  • Vickie!
    5.00
    Charity H.
  • This is my third time buying a home and third time using Vickie! If we ever move again... we'll choose Vickie!! Her professional experience,reliability,honesty and paired with her energetic andRead more
    5.00
    JENNY E.
  • She rocked our loan! Best ever.
    5.00
    Dustin M.
  • Vickie kept us informed in a timely manner throughout. Additionally, she added insight and advice that assisted with our loan process. We very much appreciate Vickie's support and help.
    5.00
    John W.
  • Vickie's knowledge of the business and her personality.
    5.00
    ELIZABETH M.
  • Vickie is amazing. She is quick in her response to my questions, always knows how to do the best thing for me. I would never trust another person as much as her.
    5.00
    Megan L.
  • This is my second refinance with Vickie. She is very knowledgeable of the loan process. I highly recommend Vickie.
    5.00
    REGINA J.
  • Did a good job
    5.00
    JAMES A.
  • Friendly, quick, and very informative communication. An expert and delight to work with.
    5.00
    Ryan L.
  • Wouldn't do business anywhere else, felt like family, and she helped me with anything I needed!
    5.00
    Cory M.
  • I dont even know where to start! The BEST! Vickie is passionate about what she does. She helps with getting your credit right, making sure your accounts are in order,Read more
    5.00
    Julia F.
  • Vickie is pleasant. She works hard and she is a clear expert in her field. We are impressed as well as grateful.
    5.00
    Fred L.
  • Vickie is extremely personable and friendly, as well as being helpful and client-oriented. She helped me through being a first-time homebuyer and laid out the very confusing process easily. I would recommend her to any first-time buyer!
    5.00
    Katelyn R.
  • Was able to manage everything from home
    5.00
    Dollas J.
  • Vickie is just amazing all around. Extremely helpful. The entire process went as smoothly as it possibly could.
    5.00
    BRITTANY R.
  • Vickie is so likeable and helpful. She makes everything easy and smooth with the entire transaction. I'm very grateful that I was connected with Vickie and hope we can remain in touch!
    5.00
    Jill A.
  • Vickie Painter has been perfect to work with. She answered all our questions, returned our calls promptly, kept us informed and everything up to and including closing was perfect. VickieRead more
    5.00
    Larry W.
  • Vickie was very helpful getting our loan approved.
    5.00
    Gary L.
  • Vicky was absolutely wonderful! She was always there and quick to respond to all emails.
    5.00
    ASHLEY W.
  • This was our first house and I had no idea how much work it was going to be. Vicky has been so helpful inconsiderate I highly recommend her. She wasRead more
    5.00
    Robert A.
  • Vicki Painter is a wonderful person. Understanding, kind, thoughtful, overall the best experience possible working with her !!!!
    5.00
    KATHY S.
  • Vicky was a blessing told us what we needed to do and how to do it and a person to work with
    5.00
    WILLIAM R.
  • Vickie was with me every step of the way to answer any questions. She was awesome
    5.00
    Fonda M.
  • Vickie was very helpful with helping us get what ever it was we need and she was very sweet and understanding and got us what we needed and take very care of our needs and wants
    5.00
    Saprina N.
  • Vickie was absolutely wonderful to deal with!! She was very helpful and attentive in answering any questions we had going through our refinance process! We dealt with her when weRead more
    5.00
    Christopher L.
  • Vickie is extremely experienced and a joy to work with even when obstacles occur. We recommend her highly for all mortgage needs and advice on how to achieve their goals!
    5.00
    Travis A.
  • This was my wife and my first home buying experience. Vicki made it very easy. We were so nervous, and worried a lot. She was the best help we couldRead more
    5.00
    Hein C.
  • Vickie is wonderful to work with! She made the process so easy and she wants the best for her clients! She is one in a million!
    5.00
    JENNIFER D.
  • Vickie was so helpful in helping me to understand the process of refinancing my home. The process was quick and smooth. Vickie is also a most pleasant person to workRead more
    5.00
    Roxann F.
  • I CAN NOT EXPRESS MY GRATITUDE I HAVE FOR VICKIE VERY INFORMATIVE, VERY PROFESSIONAL, AND VERY PATIENT AND ALWAYS ON CALL!!! ON A PROFESSIONAL LEVEL FROM 1-10, I GIVERead more
    5.00
    Maria H.
  • Vickie is amazing! She's super helpful and there whenever you have a question. Made the house buying process as enjoyable as the process can be!!
    5.00
    Gina M.
  • The help and support we received.
    5.00
    Christopher A.
  • Vickie was amazing to work with. She was very patient and honest through our whole experience. She was very informative and made everything easy to understand. We absolutely love her!
    5.00
    Ashley N.
  • Vickie was awesome! She made the whole process easy.
    5.00
    CHERIE N.
  • Vickie and her team were very helpful throughout the entire process, always available for questions or advice.
    5.00
    Amanda Swisher C.
  • I have used Vickie in the past. She still hasn't changed. Each experience has been smooth and simple with all questions answered. .
    5.00
    Robert Edward C.
  • Always respond to any questions
    5.00
    Linda Kay K.
  • I’ve worked with Vickie on several occasions buying/selling and refinance she was a pleasure she explains everything and makes the process so much easier. Highly recommend !
    5.00
    Beth M.
  • Vickie was great to work with. She did everything she could to get is what we needed. She did a wonderful job of explaining everything to us. We worked with her before and would most definitely work with her again.
    5.00
    Catherine A K.
  • Vickie painter is the greatest mortgage person around. I would recommend her to anyone. She gives the greatest advice and help.
    5.00
    Kevin N K.
  • Vickie was there every step of the way. Very knowledgeable. Pleasure to work with.
    5.00
    Michael Theadore E.
  • We love working with Vickie! We trust her advice and know she has our best interest in mind.
    5.00
    Leslie Meredith H.
  • 5.00
    Luther Joseph H.
  • Vickie was incredibly helpful and knowledgeable about the process. She was able to explain things really clearly. She went above and beyond to get us a locked in rate after ours had expired. Thank you for everything, Vickie!
    5.00
    Bryon James M.
  • The whole process
    5.00
    Timothy Adam H.
  • Vicki is amazing I would refer her to anyone I am so thankful for everything she helped me with
    5.00
    Benjamin G T.
  • Vickie is such a sweetheart from the moment I called her she guided me all the way and answered all my questions she treated me like if I was partRead more
    5.00
    Marco Antonio V.
  • Vickie was so helpful through the whole process and answered every question I had
    5.00
    Justin David T.
  • Vickie was outstanding from start to finish! I will definitely recommend her to my friends and family!
    5.00
    Carmen Revelle H.
  • Thanks for getting/keeping us on track as well updating us every step of the way!
    5.00
    Deon H.
  • Vickie Painter 🙂
    5.00
    Kimberly Ann B.
  • Vicky,s Thoughtfulness and welcoming personality
    5.00
    DARIEK C.
  • Vickie was great to work with. She’s very friendly and extremely professional. She made our home buying experience a breeze. Thanks Vickie!
    5.00
    Alexis Devan H.
  • Quick to respond to questions and get everything rolling!
    5.00
    Dawn S. H.
  • Ease of the process
    5.00
    Franklin S. H.
  • From the first phone call to Vickie's office from a referral she was the ultimate professional! She was so caring and friendly. Walking us through the process and answering everyRead more
    5.00
    Troy Hunter E.
  • Vickie was always there when I needed her! Very responsive, professional, and fun!
    5.00
    Joshua David S.
  • Vickie, Kirstain, and the rest of Vickie's team are absolutely amazing!!! They kept us to date every step of the way!! Never had a problem with us calling for anything,Read more
    5.00
    Robert Earl G.
  • Vickie was great at answering all our questions and making the entire process as easy as possible.
    5.00
    Sierra Nicole N.
  • Vickie was very personable and she explained everything throughout the process. She was very honest and upfront about everything.
    5.00
    Saul E R.
  • Vickie made it great she help us a lot told us what we needed to know answers all our guestions.she a wonderful person!!she the best one to really help people out..she Great!!!!
    5.00
    MARY ANN L.
  • Communication and the ease of the process.
    5.00
    Susan G P.
  • Vickie is an absolute joy to work with. She is very knowledgeable and responds quickly to any questions that you may have. She definitely has your best interest at heart!! I now feel like I am part of her family❤️
    5.00
    Samantha H K.
  • Vickie was great! She was very sweet and you can tell she cares about her clients. I’m so grateful that she could help me with my loan forbearance issue
    5.00
    Angela M H.
  • Vickie was very helpful and amazing to work with!
    5.00
    Kimberly A D.
  • Vickie was just awesome! I could contact her at any time and she would always get right back to me quickly. She always answered all of my questions and explainedRead more
    5.00
    Samantha Renee C.
  • Vickie is so knowledgeable, experienced, pleasant and extremely helpful. I wouldn’t want any one else!!!
    5.00
    Leslie J H.
  • Vickie took the time to answer all my questions. She walked walked me the thru the process. She is great person she truly cares.
    5.00
    Kimberly Lynn S.
  • The whole home buying experience was made very easy with Vickie guiding me through! She is the best and will recommend her to everyone!! We love her!
    5.00
    Brandon Wayne H.
  • Vicclkie is awesome
    5.00
    Michael W C.
  • Vickie was very helpful Through everything even on her days off if you needed something she would get back to you That day
    5.00
    Calvin R.
  • Vickie was timely, efficient, organized, and just awesome!
    5.00
    Casey Danielle R.
  • Working with Vickie made it easy. Her attitude and knowledge for everything took all the stress off of me. It was a pleasure working with her!
    5.00
    Shakeita T.
  • Vickie was amazing! We will always use her. She's a joy to work with
    5.00
    Michelle P.
  • very helpful made the process very easy
    5.00
    William Robert E.
  • Knowledgeable and very friendly and answered all my questions
    5.00
    Brian Keel M.
  • Kept informed. Worked with me all the way. Very pleasant to work with.
    5.00
    Thomas Allen H.
  • Everything. They went above and beyond for my family and I. Anytime i had a question. They were on top of it. Really appreciate them and all they did for us!!!
    5.00
    Wendy Lee A.
  • Vickie made my first time purchasing a home as easy as possible. She gave wonderful advice and guided me step by step through this process.
    5.00
    Hannah Rae R.
  • Vickie works incredibly hard to make the mortgages work for the families purchasing a home. I am filling this out for MY mortgage, but she has been closing our HabitatRead more
    5.00
    Lance B.
  • The positive attitude Vickie and Staff continued to have so our worries were less.
    5.00
    Clifford W J.
  • Vickie was absolutely phenomenal, she held my hand every step of the way. Made sure that if I had any question she answered it thoroughly and quickly. Vickie made buying my first home a wonderful memory.
    5.00
    Grace Paige Z.
  • Hands down Vickie made this the best experience we had! Buying our first home made easy! Walked with us and had our back!
    5.00
    RYAN C A.
  • Vickie is always responsive, she got everything to us in a timely manner and answered any questions we had. She is wonderful to work with.
    5.00
    Gregory P F.
  • This is our third mortgage with Vickie. Vickie helped us understand the first time what it meant to get a mortgage. She is very knowledgeable and helpful. Vickie is sincereRead more
    5.00
    Melinda M F.
  • Vickie was so kind and patient with us at every step of buying our new home! She always made us feel special and valued even though we were struggling withRead more
    5.00
    CAROLYN M. H.
  • Vickie was able to quickly and accurately answer any questions I had through the process. She responded to emails after business hours and armed me with more than enough information to make a non-pressured decision. Vickie is GREAT!!!
    5.00
    Tanner Isaac E.
  • Vicki is a great lady goes out of her way to help anyone
    5.00
    Bessie A P.
  • My Lenders- VICKIE and Kirstan!
    5.00
    Taneka C.
  • Working with Vickie was great. She answered all my questions witch helped me a lot.
    5.00
    Tonia Arnel M.
  • Vickie is the nicest sweet lady this is the 3 time she has help us out and she is there for you ever step of the way and makes sureRead more
    5.00
    Saprina N. E.
  • We have used Vickie before when we bought our first home and when we refinanced our old home. That experience for both then was GREAT!! Vickie is a wonderful personRead more
    5.00
    Christopher T.
  • Vickie helped us through the whole process and explained everything. She is very kind and goes above and beyond for her clients
    5.00
    Carolann D P.
  • Vicky Painter is amazing! She is the best at what she does and couldn't ask for anything more! Awesome experience!
    5.00
    Christopher K.
  • It's was wonderful, Vicky was available every day and night to assist me. I got discourage but she stood by me. They are wonderful team
    5.00
    Persis K.
  • Vicky and Dee answered all questions and also provided excellent service all around to ensure my first home buying experience was painless and simple. Instructions and navigation in the portalRead more
    5.00
    Spencer H.
  • Vickie is the sweetest, most genuine person I’ve had the honor of working with. She knows what she’s talking about, if you listen and do what she asks you toRead more
    5.00
    John L.
  • I have only and will only go through Vickie for me mortgage needs.
    5.00
    Lori B.
  • Vickie has been extremely helpful and fast responding when it has come to any of our mortgage task and making sure we understood everything! We can’t Thank her enoughRead more
    5.00
    Decota F.
  • I worked with several lenders before and Vickie is by far my favorite. She is very knowledgeable and a pleasure to work with.
    5.00
    Jamie S.
  • Vickie continues to be the best and she is supported by a very capable team!
    5.00
    Vera H.
  • Vickie and her assistant Dee were so helpful and supportive through the entire process from our first visit when we had no clue where to begin all the way to closing on our first home. Thank you all so much!
    5.00
    Michael C.
  • Vickie is the best! She was always available when I needed her. She answered all of my questions, and she always was happy to help!
    5.00
    Emily C.
  • My loan officer was phenomenal!
    5.00
    Tasia W.
  • We had many, many obstacles throughout our process of buying our home. However vickie was always about to jump on everything and get it done for us. Vickie is beyondRead more
    5.00
    Katelynn L.
  • Great
    5.00
    RUSSELL B.
  • Vickie and Dee, first they are the most down to earth people. Second they worked their butts off for us and answered any questions we had. Quick and easy. Everything was amazing and we love Vickie.
    5.00
    Logan L.
  • Vickie is phenomenal and made everything quick and easy!!!!
    5.00
    Michael E.
  • Vickie and her team were amazing to work with. They did a fantastic job. We would definitely recommend her very highly! They were very efficient when it came to makingRead more
    5.00
    Jason W.
  • Vicki is extremely helpful, patient and thorough throughout the entire process. Grateful for her
    5.00
    Kaelynel G.
  • They made it easy to deal with and less stressful. Would highly recommend them.
    5.00
    Jeffery M.
  • We decided to buy a house in the worst possible time due to covid-19 but through it all we wouldn't have done it with anyone else Vicky was fantastic and she has a wonderful team behind her.
    4.83
    DUSTIN S.
  • Everything
    4.83
    JACOB B.
  • She was there for all of my questions and made everything work very well.
    4.83
    RANDALL L.
  • Vickie has a way of making everyone feel like family. Very knowledgeable which made my refinance process go smoothly.
    4.67
    Lori A C.
  • Everything
    4.33
    Stephen Daniel M.
  • Great
    3.00
    RUSSELL B.

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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