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The good news is we’ve got dozens of loan options.
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We’ll secure a great mortgage for you — one that’s custom, personal and competitive. And we’ll walk with you every step of the way.
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CONVENTIONAL
MORTGAGES
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FHA/VA
HOME LOANS
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SPECIALTY
LOAN OPTIONS
Understanding every loan option might feel overwhelming.
We’ll give you personal attention and together, we’ll create a home loan that brings your dreams to life.
A few simple questions is all it takes to get started.
The Home Loan Guide for First Time Buyers
Explore all the various programs available in today's market for first time buyers
Learn More
Home Loan Mortgage Options
Conventional Mortgages
A Conventional Mortgage is a standard non-government home loan that meets specific guidelines and purchase limits set by the industry.
- There are two types of conventional mortgages: conforming and non-conforming.
- Conforming loans are mortgage loans that stay within the purchase limits and guidelines set by Freddie Mac and Fannie Mae (these values differ depending on the state and location).
- Non-conforming loans have higher loan amounts that exceed limits set by Freddie Mac and Fannie Mae. For example, jumbo loans are a common non-conforming mortgage.
Jumbo Loans
A Jumbo loan is a non-conforming conventional mortgage, with a higher purchase limit. Loan values typically exceed conforming limits set by Freddie Mac or Fannie Mae.
Features
- Jumbo loans meet the needs of buyers looking to purchase a home exceeding purchase limits set by conforming loans.
- Jumbo loans are often combined with other loan products to create a competitive home loan.
- Jumbo loans are offered as fixed-rate or adjustable-rate loans, and often require stronger credit and income verification.
HARP Loans
HARP (Home Affordable Refinance Program) Loans are a unique option to get refinancing FAST, especially if you’re struggling to stay current on your mortgage payments.
Features
- HARP loans require NO money down.
- HARP loans are designed to help homeowners who are struggling to stay on top of bills and might not have a great credit rating.
- HARP is a refinancing program for mortgages backed by Freddie Mac or Fannie Mae. If you’re unsure of your loan type, call and we can determine if you’re eligible.
FHA Loans
An FHA Loan is a great option for first-time home buyers. Even if this isn’t your first home purchase, you may still qualify.
Features
- FHA loans are ideal for first-time home buyers, offering low rates and low down payments.
- FHA loans offer flexible approval guidelines when it comes to your credit score and income verification.
- FHA loans can start with down payments as low as 3.5%.
VA Loans
A VA Loan is a great option for active-duty service members and veterans. As a member of the military, you and your family can receive exclusive, superior advantages.
Features
- VA loans offer exclusive advantages to veterans and active-duty service members.
- VA loans offer flexible approval guidelines and payment plans.
- VA loans offer low down payments and competitive rates.
Reverse Mortgages
A Reverse Mortgage is a great option for homeowners over the age of 62, who have equity in their home. With a reverse mortgage, you can defer your remaining mortgage payments, access the equity you’ve built over the years, and receive a payment every month that you can use for anything you’d like.
Features
- Reverse Mortgages are offered exclusively to homeowners 62+ years of age.
- Reverse Mortgages allow you to access the equity in your home and you can decide however you’d like to use the funds.
- Reverse Mortgages offer the option to defer mortgage payments.
- Reverse Mortgages offer the option to receive monthly payments.
How much can I afford?
First-Time Homebuyer Loans
Do I qualify? Even if you’ve owned a home before, you might still meet the guidelines to be considered a first-time homebuyer.
Advantages
- Down payments as low as 3%
- Flexible income guidelines
- HUD-issued grants and state assistance
- Government-backed loans with low interest rates
- Flexible guidelines to source your down payment
- IRA funds can often be withdrawn without penalties
- Tax deductions for points and/or loan origination fees
- Tax deductions on mortgage interest and property taxes
- Energy tax credits
Condo Purchases & Refinancing
Condominiums are a great real estate option. Whether you’re a first-time buyer or a real estate investor, our mortgage expertise can help. We’ll put together the right financing package to meet your goals and save you money.
Advantages & Options
- Competitive Rates
- Investment Property, Principal Residence
- Hard Money Loan Options
- Private Money and Non-Qualified Mortgages
- Conventional Loans
- Jumbo Loans
- FHA, VA and USDA Mortgages
- West Coast Mortgage Specialists
Rental Property Loans
Rental properties are a known path to building wealth, increasing cash flow and diversifying your investments. We can help you get the best financing and the right loan for your goals.
Advantages
- Potential cash flow and tax benefits
- Flexible guidelines on income sources and verification
- Flexible guidelines on employment, even no employment
- Flexible guidelines on debt-to-income ratio
- No limit on number of properties owned
- Fix & Flip loans available
- Bridge loans available
- Qualify based on assets vs. income
- Qualify based on potential cash-flow
Best-Fit Mortgage Options
- Jumbo loans
- Interest-only loans
- Bridge loans
- Fix & Flip loans
- Hard Money loans
Bank Statement Loans
If you’re self-employed or make your earnings outside typical W-2 employment, we can help you get financing at competitive rates. By providing 12-24 months of bank statements, no other income verification is required.
Advantages
- Tax returns not required
- Flexible guidelines for lower credit scores
- Available for primary residence, investment properties, vacation homes
- Private Mortgage Insurance (PMI) not required
- Jumbo loans available
- Highly competitive rates
- Fast funding
Hard Money Loans
We specialize in custom mortgages because we understand every situation is unique. As experts in alternative lending solutions, we can get you the best financing and save you money.
Advantages
- Competitive rates
- Fast funding
- Alternative income and asset documentation
- High Loan-to-Value options
- Purchase and refinance programs
- Flexible options for self-employed
- Flexible guidelines for lower credit scores
- Primary residence, investment properties
- Commercial Real Estate programs
- Loans without Private Mortgage Insurance (PMI)
Great Mortgage Options
- Stated Income Mortgage
- Bank Statement loans
- Fix & Flip loans
- Bridge loans
- Jumbo loans
- Commercial Real Estate loans
Fix and Flip Loans
Fix and Flip loans are a competitive option to secure low-cost financing for short-term real estate. Rental properties, primary residences and other real estate investments can qualify for competitive rates and flexible terms.
Advantages
- High Loan-to-Value options
- Ideal for acquisition and rehab projects
- Flexibility on term options (length of loan)
- Highly competitive pricing
- Residential properties
- Investment properties
- Commercial real estate
- Fast funding
Bridge Loans
Bridge loans can help close the financial gap when you need short-term financing to secure a real estate investment, or even make a competitive offer on a new home.
Advantages
- High Loan-to-Value options
- Interest-only options
- Highly competitive rates
- Fast funding
- Flexibility with prepayment options
- Make an offer without contingencies
- Access equity from another property
- Fix & Flip loan options
- Renovations and repairs
- Residential property
- Commercial real estate
Self-Employed
If you’re self-employed or make your earnings outside typical W-2 employment, we can get you financing at a competitive rate.
Advantages
- Highly competitive rates
- Flexibility with income verification
- Flexible guidelines for lower credit scores
- Primary residences and rental properties
- Investment properties
- Options without Private Mortgage Insurance (PMI)
- Jumbo loan options
- Fast funding
Foreign National ITIN Loans
We offer a full selection of home loan financing and mortgages for foreign national homebuyers and homeowners. If you’re ready to purchase a new home, refinance or invest in commercial real estate, we can help.
Advantages
- Home purchases
- Rate & Term refinancing
- Cash Out refinancing
- Residential properties, owner-occupied and rentals
- Real Estate investment properties
- Townhomes, Planned Unit Developments, Condos, 1-4 Unit Properties
- Flexible guidelines on Debt-to-Income ratio (up to 43%, or 55% with exception)
- Loan amounts $150k to $1.5M
- Loan-to-Value maximum 80-85%, depending on eligibility
- Self-Employment loan options
Requirements
- Borrower must have valid ITIN card or IRS ITIN letter
- Minimum 620 FICO score
- Full documentation loan requirements
- Bank statements (in lieu of standard income verification) if qualified
1 Day After Bankruptcy, Foreclosure, Short Sale
We understand every situation is different. As experts in alternative lending solutions, we can help you get the best financing in today’s market — without waiting 4-7 years.
Advantages
- Highly competitive rates
- Apply 1 Day Out of Foreclosure
- Apply 1 Day Out of Bankruptcy
- Apply 1 Day Out of Short Sale
- Flexibility with lower credit scores
- Residential properties, owner-occupied and rentals
- Jumbo loan options
- Flexible guidelines with income verification
- Flexible on tax return requirements
- Fast funding
VA Renovation Loans
Receive up to 100% financing for home improvements and repairs with our VA Renovation Loan. This is a great option for eligible, active-duty service members and veterans. Whether you’re purchasing or refinancing, we can help you save money and get funded fast.
Advantages
- Low mortgage rates
- Fast funding
- Primary residential properties only
- Fully amortized fixed-rate loans
- Up to 100% financing for covering the purchase or refinance
- Financing includes cost of the repairs, renovations and improvements
* While there is typically no pre-work consultation required, repairs and/or renovations will likely need to meet the Veteran Administration’s quality standards.
150+ 5-star reviews
What People Are Saying
Shawn came highly recommended by a group of friends who all use him for their financing needs – this is the second time Shawn has helped me through the loan process. He is always thorough, responsive, detail-oriented, and, most importantly, he will get you a great rate.
Cindi R.
I couldn’t be more pleased to use Shawn Sidhu from C2 Financial Corporation for my home refinance. The whole process was smooth and easy. Shawn had a great online portal, and his level of communication and guidance was exceptional. I thoroughly recommend Shawn.
David A.
Shawn and his team did an amazing job making sure we closed our loan in record time! As a first time buyer, I did not feel any pressure throughout the process. Shawn took care of everything and made sure we closed with ease. I would strongly recommend Shawn.
Anamitra A.
Cindi R.
David A.
Anamitra A.
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