OUR PHILOSOPHY
Making a path forward , together
Making Home Ownership Possible for All
C2 Mortgage Loans
Mortgage loans offered by non-government sponsored lenders. A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac.
As FHA loans may require a lower minimum down payment than many conventional loans, they are ideal for borrowers who have lower credit scores and/or low- to moderate-income.
VA loans offer flexible approval guidelines and payment plans, as well as low down payments and competitive rates, for veterans and active-duty service members.
A jumbo loan or mortgage is a type of financing that exceeds the loan limits set by the FHFA.
The term ‘fixed’ or ‘adjustable (ARMs)’ refers to the type of interest rate a borrower has chosen.
A home equity line of credit (HELOC) is a line of credit that uses the equity you have in your home as collateral.
A construction loan is a short-term loan used to finance the building of a home.
A private or hard money loan is primarily used in real estate transactions when the lender is an individual or company, as opposed to a bank. Private/hard money lenders are typically only concerned with loan-to-value.
Bringing business and personal needs together
C2 Commercial Loans
C2 Commercial provides a variety of loan programs for multi-family properties with 5+ units including permanent debt, bridge loans and construction loans.
C2 Commercial has the leading financial sources for credit and non-credit tenant-leased properties nationwide.
C2 Commercial finances an array of commercial property types including, but not limited to: retail centers, office buildings, industrial warehouses, self-storage, assisted living facilities, special/mixed-use properties, places of worship, and cannabis facilities.
C2 Commercial has expert knowledge in a range of hotel property types, from flagged and non-flagged limited-service hotels to large, full-service hotels on both a conventional and SBA basis.
C2 Commercial has a deep understanding of the nuances associated with lending to business owners.
Ensuring a secure financial future for our seniors
C2 Reverse
A safe and solid
investment
in the future
Reverse mortgages allow seniors, 55 and older, to tap into the equity in their homes to produce a stream of income. This compliments any retirement savings and social security, so our seniors can maintain their standard of living and have secure financial opportunities they can depend on.
A HECM is the FHA insured reverse mortgage that allows qualified senior homeowners to access part of the value of their home.
A jumbo reverse mortgage allows homeowners of higher-valued properties to access a larger portion of their home’s value, as they’ve exceeded the maximum value that FHA will consider when calculating a loan amount.
Aligning the real estate journey seamlessly
Cal State Realty (Real Estate Division of C2)
Some of the biggest problems in mortgage lending and real estate transactions are created by the separation of agent roles. The left and right hands do not always work well together. A single point of contact for all material aspects of a transaction provides better solutions and removes unnecessary confusion and friction.
Traditional timelines are shortened by dealing with a single Hybrid Agent who can immediately provide information and solutions to all parties. Lapses in communication and coordination between clients, lenders, Realtors, and third-party vendors are eliminated.
We utilize a flexible mortgage brokering platform instead of a captive banking source to give consumers the best rates and service. We also use part of our real estate commissions to give buyers lower rates and overall transaction costs. We are more competitive on listings because we have multiple revenue streams.
This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Department of Real Estate, Broker # 01821025; NMLS # 135622. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender. For state licensing information outside of California, click here. As a broker, C2 Financial Corporation is NOT individually approved by the FHA or HUD, but C2 Financial Corporation is allowed to originate FHA loans based on their relationships with FHA approved lenders. NMLSconsumeraccess.org Consumers in Texas: Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at (877) 276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov
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DRELicense#0135339,NMLSLicense#243995