California VA Loans | C2 Financial Corporation

San Jose VA Loans – No Down payment needed!

Are you an active duty service member in our armed forces, National Guard or Armed Forces Reserve member with six or more years of service, a veteran, or a surviving spouse of a service member? If so, you may want to explore the VA home loan program. VA loans do not require any down payment, there is no monthly mortgage insurance, have lower closing costs for the borrower with extremely competitive rates. VA loans also carry a guarantee to the lender should the loan ever go into default.

VA Loan Rate Qualifier

Benefits of VA Loans

No down payment. This is one of the most incredible benefits of a VA loan and certainly the most popular feature. For those wanting to buy a home with as little cash to close as possible, no down payment has a huge impact.
Fast approval. These loans are often approved more quickly than others.
You are not required to purchase Private Mortgage Insurance (PMI). A VA loan does carry a guarantee to the lender at 25% of the defaulted loan. VA loans however rarely go into default and are the highest performing loans in the marketplace. The guarantee is financed with the Funding Fee, which is rolled into the loan amount.
Low APRs on fixed rate loans. Due to the lower loan costs, the APR on VA loans is extremely competitive.
Low closing costs. VA guidelines restrict the types of closing costs the veteran may pay.
You can prepay without penalties. Pay off your loan early if you want, without worrying about fees.
When a home is sold, the buyer can assume the mortgage.
Streamline refinance. The VA streamline refinance program requires much less documentation than a standard VA loan.

If you’re eligible for a VA loan and want to come to the closing table with as little cash as possible, nothing can beat the VA home loan program.

If you are ready to apply for a VA loan today, or you simply have some questions you would like to ask, we are standing by to help you! You can call us at (408) 599-3628, or email us at [email protected]. We provide free instant quotes, and are here to walk you through every step of the loan application and approval process. We will find you the best VA home loan rates in San Jose. You will be living in your dream home sooner than you think!

VA Loan Rate Qualifier

C2 Financial Corporation - Shawn Sidhu

5.0

Based on 106 Reviews

Anne W.

2018-03-30 17:08:26

Sean,I just wanted to let you know that it was a pleasure working with you. It was great to receive your updates so that everyone knew where we were in...

Nanette G.

2018-03-14 00:18:55

I had recently refinanced my home and had an excellent experience working with Shawn. Shawn at C2 Financial Corporation is very professional and he has...

Prakash A.

2018-02-15 21:36:29

I've refinanced my home a couple of times, so fairly familiar with the process. Working with Shawn at C2 Financial on my refinance however was pleasantly...

Erik B.

2018-02-08 18:01:21

Another update. I used Shawn on a loan for purchasing a new house. He's streamlined the process even more and it was so easy and quick. I almost didn't...

Cinto S.

2017-12-04 10:41:01

Shawn is a great mortgage lender who will be there for you till the home closing is done. He is very responsive, transparent, providing great rates. For a...

Syed Ibrahim M.

2017-11-11 18:40:29

I worked with Shawn for getting my pre-approval for our home in east bay area recently. He was referred to me by my realtor. Being first home buyers, Shawn...

Jeremy T.

2017-09-24 15:32:57

I recently worked with Shawn in finding and closing on a home in San Jose. He was referred to me by my realtor, and was instrumental in the process. His...

4.9

John Christopher

04:00 24 Apr 19

Working with Shawn was amazing! We closed our mortgage quickly and he was with us every step of the way. He was quick to respond to questions and was proactive at checking in with us. Shawn helped us navigate challenge of getting a Washington state home while our family is currently living in California. We highly recommend Shawn and C2 Financial for making the process painless!!

Ken Fernandez

21:30 13 Mar 19

Shawn and team moved mountains to solution my loan in an extremely short turn-around time. Nothing slipped throughout the entire process and communication was exactly what you hope for instead of biting your nails uncertain what to expect. I didn't have time to hand hold, but also needed quick answer to the questions I did have. Shawn had me covered on all fronts and it was a great crossing the finish line on time. Strongly recommend ! I wish he had a brother that works on cars :-)

myda714

04:31 02 Mar 19

We were referred by our realtor to Shawn for the financing of our home purchase. The whole process went very smooth! As stressful as buying a home is, this financing part of the process was easy. The online uploading of docs was straightforward, and we were always kept in the loop about progress and what to expect next. Will definitely keep Shawn and his team in mind for any future needs!

Elizabeth R Barajas

02:13 10 Jan 19

Shawn is great! He helped us get our mortgage in just 28 days! We couldn't have asked for someone better to work with. He is a go-getter and won't stop until he helps you get the best for you. Shawn was available any time we needed to ask a question or when we had any concern. He also offered us a few options to choose from so we had control over our situation from the beginning. I highly recommend you give him a call. Thank you Shawn for all your help. We could definitely not have done it without you.

Katherine and Ryan

20:43 26 Nov 18

Shawn has been amazing helping us through the loan process. Although we never ended up purchasing, Shawn kept us updated. We will definitely use Shawn again when the time is right for us to buy. Thank you Shawn!

Jackson Jeyapaul

16:50 15 Nov 18

Shawn was really great. He explained everything in detail and walked me through all the processes upfront. He was always available whenever i had any question. He offered a best competitive rate with different options. We highly recommend Shawn and C2 Financial!

sophia reyes

01:27 03 Oct 18

I am so grateful to have found Shawn/C2 Financial! Words could not describe how blessed I feel to have found him! I was stuck in a financial situation that was tough for me to get out of, and had spoke to my credit union and one other bank, which advised me I had to wait another year before they were able to fund me. I found Shawn on Yelp, and based on his great reviews, I decided to follow through with him/C2 financial. I spoke to him around mid July and was funded by September! When I had been waiting on my Credit Union for 6 months before I decided to move on somewhere else!(Santa Cruz Credit Union if it means anything to anyone) Although he/it seemed to be a company with lots of clientele NEVER once! did I feel I was second to anybody. Even when he was on vacation he responded quickly to my emails when I really wasn't expecting him to. Shawn is truly a perfectionist in his profession, and a Blessing in disguise for me in my life. I will MOST DEFINITELY recommend Shawn/ C2 Financial to anybody and everybody! I could not thank you enough Shawn! I will definitely be doing business with you again in the near future :) Thank you!Sophia.

Chelsea Serna

20:43 11 Sep 18

Shawn was a pleasure to work with! He helped us come up with a good solution that worked best for our situation. There were several life changes that happened during the whole process and was patient with us and helped us get everything together for a smooth closing. He always kept us updated on what was going and made the whole process less stressful. Thanks Shawn!

Avi Bhatnagar

18:58 13 Jul 18

Shawn has been a subject matter expert in the loan & refinance industry, as his weekly blogs are very informative. I worked with Shawn and his team on getting my place refinanced, and it was a very smooth process. I liked the fact that the entire to qualify was all online, so having the automation made it very seamless. Also, Shawn and the team were responsive to all of my inquiries, which was helpful. I would highly recommend Shawn to others in the market.

RICHARD Gammad

08:44 04 Jun 18

Shawn has help my family twice, both times with a refinance with cash out. Shawn is patient, helpful, and very insightful about what is actually possible. The team he works with during the loan process are some of the most helpful people in the business. The refinancing process with C2 Financial was very smooth, and throughout the process you are informed of the next steps and the status of your loan. Shawn is also very willing to give you phone call to ease your concerns. I know in the future where to turn to when in need of a mortgage broker. Thanks again Shawn.

Tushar Arora

19:50 25 May 18

Shawn helped us in getting pre-approval as well as under-written for our home loan application. Being first time home buyers, it was amazing home he explained different terms and pieces in lending process. He has great deal of knowledge and is good in providing charts / detailed comparisons of different scenarios (like different downpayment amounts, total purchase price etc).Plus: Online application process, super easy to upload documents etc. Would definitely recommend him and his team..He should be able to help with loans for properties under litigations as well !!

Margaret Hirst

17:00 16 May 18

Shawn and his people were fantastic. I never had a refi go this smoothly. They took care of everything and had a great product to boot. I would highly recommend C2 Financial.

Risa Harrison

17:31 14 May 18

Shawn is very detail oriented, timely, and helped us get the best rate for our home. As first time homebuyers he explained our different options to us, and answered our questions in a way we could understand. We highly recommend Shawn and C2 Financial!

Jana Chow

19:16 19 Apr 18

My husband and I used Shawn to purchase our first home, and he made the process run smoothly from start to finish. He asked great questions to get a clear picture of what we were looking for, and he gave us a great menu of options to fit our needs and budget. He recommended that we set up a TBD loan, which made our offer stronger, and the escrow process shorter. In hindsight, I think having the TBD loan documentation in hand when we put in our bid was one of the reasons our offer was accepted. Shawn was incredibly professional and communicated well with our real estate agent and every other person involved with the loan underwriting process. He gave us all thorough information and provided us the best loan options available....and we closed in 3 weeks, in the most competitive market in the country! Couldn’t have done this without Shawn.

Anne Walker Citraro

00:09 31 Mar 18

Sean,I just wanted to let you know that it was a pleasure working with you. It was great to receive your updates so that everyone knew where we were in the process. The seller's agent was able to keep her client informed, which made us all look good.You and your team performed on time, except for the slight delay by the seller at the end. I never had to bug you about anything. These are all signs of a good mortgage broker who does his job well.

Nanette G

07:16 14 Mar 18

I would highly recommend Shawn at C2 Financial. Shawn provided excellent customer service. He is very professional was great at keeping me informed, step by step on the refinance process. Thank you????

Julie&Ramon LeFrancois

07:29 09 Dec 17

Shawn & his team got us pre approved at an excellent rate. When we went into contract he quickly and efficiently got our loan processed and easily had us ready to close in under 21 days. Shawn was alway ahead of the game. Highly recommended.

Andy K

04:10 08 Dec 17

Shawn was referred to me by a friend to manage my mortgage loan life cycle from start to finish. I had an excellent experience with Shawn and his staff. It was easy. They were quick and effective at resolving issues and helpful in clarifying all of my questions and concerns. Shawn was professional, result oriented and focused while guiding me through my home purchasing process, helping me achieve the best possible outcome. I will recommend Shawn and his crew to my friends in the future. Shawn is simply excellent.

Cinto Sunny

18:33 06 Dec 17

Shawn is a great mortgage lender who will be there for you till the home closing is done. He is very responsive, transparent, providing great rates. For a first time buyer like me, it was really important that I had somebody to help me out with all the doubts regarding loan escrow etc. and Shawn would always reply promptly and patiently. He made the whole home buying process a breeze. I would recommend Shawn for any mortgage brokering needs.

Mike Ramos

21:09 02 Oct 17

Communication communication communication has been top notch with Shawn. Through out the process Shawn was always quick to respond to any inquires or questions needed. Even when he was in another appointment he promptly let me know that he would get back right away. He actually did everything faster than what he promised. One of the best parts about his was his status updates. He did a very good job on keeping the buyers, sellers, selling agent, and listing agent informed to where everything was in the process. Transparency is key, and he did the best job at it. Shawn is one of the best and I wouldn't hesitate to recommend him and his services.

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