Home Buyers

Home Buyers2018-11-30T19:52:57+00:00

Time to Make a Housing Change?

What would it mean to have a trusted guide through home buying — one of the biggest investments of your life?

Whether you are upsizing, downsizing, or relocating, I can save you from the pitfalls of online mortgage loan shopping and teach you how to make your own best decisions. Let me find a loan product that will work for you, that best serves your needs, at the best rate!

Mortgage 101 for Home Buyers

“Mortgage 101” is my free consultation with you. I look at your personal, unique, financial scenario, educate you about how the mortgage process really works. Then I lay out your options based on what loan products you can qualify for, whether or not you have the funds for a down payment. I analyze your individual situation and help you understand what you can purchase and what price range fits within your budget.

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Vic working with home buyer client

Do any of these special circumstances apply to you?

With or Without a Down Payment

There are many types of first-time home buyers, variations include your age and stage of life, resources, and credit history. A few scenarios are described on this page. The short answer is:

No matter where you are in your life, your credit history, or accumulated savings, talk to us.

Whether you have limited credit (shorter length of time), or limited breadth (lacking multiple types of credit), a lower credit score, less money for a down payment, or any combination of these, we have access to programs that will provide you with the funds to purchase your first home.

“Mortgage 101”

“Mortgage 101” is my free consultation with you. I look at your personal, unique, financial scenario, educate you regarding what you need to know about the mortgage process, and lay out your options based on what loan products you can qualify for, whether or not you have the funds for a down payment.

I analyze your individual situation and help you understand what you can purchase and what price range fits within your budget.

At that point, if you are ready, I will collect your information and we can start the preapproval process.

The A+ Home Buyer

If you have great credit, and easy access to a down payment for 20% or more of your desired home price, that’s great! Let us shop our database of over 100 lenders for you to find the best loan at the lowest rate, that gives you the most bang for your hard-earned ratings and bucks.

Contact me to start the process!

Use Your VA Benefit

At C2, we are well versed in Veterans Administration (VA) lending, and we can help you tap into your VA Benefits. VA loans allow 100% financing with zero down, and special interest rates that are lower than market rates. Veterans who are credit-challenged frequently will still qualify for a VA loan.

In addition, there is a streamlined refi program available for veterans, with potentially no appraisal and limited documentation requirements. Contact us today to find out if you qualify!

How to Qualify

Yes! You can get a loan.

There are loan products available for people with low credit scores. There are even low down payment options — and refinancing programs available — for people with low credit scores.

I can find you the best loan for your current situation. I also have expertise in rebuilding credit and can help you improve your credit. Let’s do it!

Home Equity Lines of Credit

Whether your goal is home improvement, debt consolidation, or reinvesting in your portfolio or additional real estate, there are loan programs available for you to tap into equity of your home.

We may consider a first mortgage cash out refinance or a home equity line of credit.

Contact me to come in today so that we can determine what products would be the best for you.

Zero to 3% Down Payment Programs Available

Depending on the location of your desired property, and whether or not you have Veteran status, there are unique loan options available, just for you.

If you are buying in a rural area, we can check if you qualify for a USDA loan (United States Department of Agriculture), which is a zero-money-down product, with standard interest rates.

Veterans may have access 3%-to-zero down payment options.

Depending on your income, you may also qualify for lower than standard interest rates; even 1% is available.

Contact me to set up a meeting, so that we can find out what mortgage products are available for you.

Reverse Mortgage

A reverse mortgage is a beneficial option for borrowers who have a lot of equity in their homes and want to maintain a certain quality of life. In California, “baby boomers” are starting to look at reverse mortgages more and more, especially given the high cost of living here. This option is good for people who want to stay in their homes, to not have to downsize or move into nursing homes.

Reverse mortgages allow you to tap your equity — and never have another mortgage payment.

You can refinance your current loan into a reverse mortgage, eliminating your current mortgage payment and taking out cash out to be used for home improvements or invest in your portfolio. You can also opt to get paid each month out of the equity, i.e.: a monthly cash draw.

Pay off your existing loan, pull cash, and have no mortgage payment for the rest of your life — and even get additional monthly income. Sounds good? Contact me to find out if you qualify.

Increasing your Real Estate Portfolio

At C2 Financial, we have a full range of products to help investors buy rental property. We have loan products available for investors who want to fix and flip real estate. Let’s set up a free consultation to discuss your investment goals and your loan options.

Reentering or Expanding Holdings in the Market

Whether you have been active in the market recently, or on hiatus, now you are ready to invest again, to purchase a new home or increase your portfolio of holdings, we have loan products designed to meet your needs.

Markets and products are constantly changing. Let’s meet so that I can take you through “Mortgage 101,” with our conversation tailored to your need as an experienced buyer. To successfully navigate the constant changes in the lending landscape, I invite you to sit down with me, a mortgage professional who has your best interests at heart.

Underwriting guidelines have become more strict since the last recession. If you haven’t bought in the last 5-10 years, come in to learn more about what the new rules are.

Contact me here.

Qualify for a Mortgage

Are you self-employed? A solo entrepreneur? A business owner? Incorporated or freelance? We have programs available that don’t require conventional income qualifications.

You may have heard that they weren’t available for a while, but I am pleased to inform you: stated income products are back!

We have loan products that will allow for income to be calculated using bank statements or certified profit and loss (PNL) statements. In some cases, tax returns are not necessary!

Contact me to see what we can work out for you.

Non-U.S. Credit Options Available

If you are an investor looking to buy real estate, I have loan products available for you if you:

  • have or have not established U.S. credit
  • are not a naturalized U.S. citizen
  • do not have an H1B Visa or a Green Card
  • have a primary residence in a foreign country

Contact me to learn more.

With or Without a Down Payment

There are many types of first-time home buyers, variations include your age and stage of life, resources, and credit history. A few scenarios are described on this page. The short answer is:

No matter where you are in your life, your credit history, or accumulated savings, talk to us.

Whether you have limited credit (shorter length of time), or limited breadth (lacking multiple types of credit), a lower credit score, less money for a down payment, or any combination of these, we have access to programs that will provide you with the funds to purchase your first home.

“Mortgage 101”

After your Mortgage 101 session, I analyze your situation and help you understand what you can purchase and what price range fits within your budget.

At that point, if you are ready, I will collect your information and we can start the preapproval process.

The A+ Home Buyer

If you have great credit, and easy access to a down payment for 20% or more of your desired home price, that’s great! Let us shop our database of over 100 lenders for you to find the best loan at the lowest rate, that gives you the most bang for your hard-earned ratings and bucks.

Contact me to start the process!

Use Your VA Benefit

At C2, we are well versed in Veterans Administration (VA) lending, and we can help you tap into your VA Benefits. VA loans allow 100% financing with zero down, and special interest rates that are lower than market rates. Veterans who are credit-challenged frequently will still qualify for a VA loan.

In addition, there is a streamlined refi program available for veterans, with potentially no appraisal and limited documentation requirements. Contact us today to find out if you qualify!

How to Qualify

Yes! You can get a loan.

There are loan products available for people with low credit scores. There are even low down payment options — and refinancing programs available — for people with low credit scores.

I can find you the best loan for your current situation. I also have expertise in rebuilding credit, and can help you take action to improve your credit. Let’s do it!

Home Equity Lines of Credit

Whether your goal is home improvement, debt consolidation, or reinvesting in your portfolio or additional real estate, there are loan programs available for you to tap into equity of your home.

We may consider a first mortgage cash out refinance or a home equity line of credit.

Contact me to come in today so that we can determine what products would be the best for you.

Zero to 3% Down Payment Programs Available

Depending on the location of your desired property, and whether or not you have Veteran status, there are unique loan options available, just for you.

If you are buying in a rural area, we can check if you qualify for a USDA loan (United States Department of Agriculture), which is a zero-money-down product, with standard interest rates.

Veterans may have access 3%-to-zero down payment options.

Depending on your income, you may also qualify for lower than standard interest rates; even 1% is available.

Contact me to set up a meeting, so that we can find out what mortgage products are available for you.

Reverse Mortgage

A reverse mortgage is a beneficial option for borrowers who have a lot of equity in their homes and want to maintain a certain quality of life. In California, “baby boomers” are starting to look at reverse mortgages more and more, especially given the high cost of living here. This option is good for people who want to stay in their homes, to not have to downsize or move into nursing homes.

Reverse mortgages allow you to tap your equity — and never have another mortgage payment.

You can refinance your current loan into a reverse mortgage, eliminating your current mortgage payment and taking out cash out to be used for home improvements or invest in your portfolio. You can also opt to get paid each month out of the equity, i.e.: a monthly cash draw.

Pay off your existing loan, pull cash, and have no mortgage payment for the rest of your life — and even get additional monthly income. Sounds good? Contact me to find out if you qualify.

Increasing your Real Estate Portfolio

At C2 Financial, we have a full range of products to help investors buy rental property. We have loan products available for investors who want to fix and flip real estate. Let’s set up a free consultation to discuss your investment goals and your loan options.

Reentering or Expanding Holdings in the Market

Whether you have been active in the market recently, or on hiatus, now you are ready to invest again, to purchase a new home or increase your portfolio of holdings, we have loan products designed to meet your needs.

Markets and products are constantly changing. Let’s meet so that I can take you through “Mortgage 101,” with our conversation tailored to your need as an experienced buyer. To successfully navigate the constant changes in the lending landscape, I invite you to sit down with me, a mortgage professional who has your best interests at heart.

Underwriting guidelines have become more strict since the last recession. If you haven’t bought in the last 5-10 years, come in to learn more about what the new rules are.

Contact me here.

Qualify for a Mortgage

Are you self-employed? A solo entrepreneur? A business owner? Incorporated or freelance? We have programs available that don’t require conventional income qualifications.

You may have heard that they weren’t available for a while, but I am pleased to inform you: stated income products are back!

We have loan products that will allow for income to be calculated using bank statements or certified profit and loss (PNL) statements. In some cases, tax returns are not necessary!

Contact me to see what we can work out for you.

Non-U.S. Credit Options Available

If you are an investor looking to buy real estate, I have loan products available for you if you:

  • have or have not established U.S. credit
  • are not a naturalized U.S. citizen
  • do not have an H1B Visa or a Green Card
  • have a primary residence in a foreign country

Contact me to learn more.