Step 1
Get to know each other
We keep things easy and stress-free for each client. This is a great opportunity to ask questions and tell us your goals!
A short guide to the home buying process.
For most of us, a mortgage is one of the biggest financial decisions we’ll make. Securing a great loan means resting easy once your loan is approved.
PRO Tips for First-Time Homebuyers
Even if you’ve owned a home before, you may still qualify for first-time homebuyer advantages, such as lower rates or a small down payment.
Easy Steps to Closing
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Step 2
Lock in a great rate
We’ll analyze the lending market and secure a great mortgage rate. If the rates change, rest assured your rate is secure.
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Step 3
Review your custom loan options
We’ll present you with great loan options! Once you decide on a loan, we’ll finalize your application and get the documents submitted.
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Step 4
Make those offers
While your loan is processing, shop with peace of mind knowing your mortgage rate is locked and the loan terms are underway.
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Step 5
Documentation roundup
After your loan application is submitted, we’ll gather any additional documents and ensure the process runs smoothly.
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Step 6
Final appraisal & underwriting
Once in contract, we'll make sure everything is in order. We'll get the final appraisal and secure the terms of your loan.
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Step 7
Close and celebrate!
It’s time to sign the paperwork and celebrate your new home!
150+ FIVE-STAR REVIEWS
Or give us a call at (408) 610-8011. We’d love to connect with you!
PRO Tips for First-Time Homebuyers
According to the U.S. Department of Housing and Urban Development (HUD), a first-time homebuyer is a person who meets any of the following:
- An individual who has not owned a principal residence for three years.
- If you owned a home but your spouse has not, then you can purchase a home together as first-time homebuyers.
- A single parent who has only owned a home with a former spouse while married.
- A displaced homemaker who has only owned a home with a spouse.
- An individual who has only owned a principal residence not permanently affixed to a permanent foundation in accordance with applicable regulations.
- An individual who has only owned a property that was not in compliance with state, local or model building codes—and that cannot be brought into compliance for less than the cost of constructing a permanent structure.
Advantages for First-Time Homebuyers
As a qualified first-time home buyer, there are a lot of benefits available to you:
- Government-backed loans with low interest rates
- Flexible guidelines when qualifying
- Down payments as low as 3%
- HUD-issued grants and state assistance programs
- Specialty products combining 1st and 2nd mortgage loans
- Flexible guidelines to secure and source your down payment
- IRA funds withdrawn without penalties
- Tax deductions for points and/or loan origination fees
- Tax deductions on mortgage interest, energy credits and property taxes
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.
