Alternative Owner-Occupied Home Loan Solutions
As the nation’s largest Mortgage Broker, C2 Financial Corp. closed almost $14 billion in loans last year. Chances are if there is a loan program to meet your needs, we are able to provide it. We have strong relationships with some of the nation’s largest mortgage lenders and also work with many smaller niche lenders including banks with unique lending programs. This ensures we have the tools to help you with your mortgage needs.
The following list will provide you with a general idea of the many programs and guidelines we offer. We don’t expect you to become an expert in the mortgage business so we’re not going to bore you with mortgage industry terms you may or may not have ever heard. We’re here to explain the programs and guidelines to you, and find those that meet your needs! Please contact us with a description of what you’re trying to do and we will brainstorm to accomplish that in the best possible way. If you don’t find your particular situation listed, don’t despair – We may still have a solution for you!
Property Geographic Area Details
Tax Return Income: Many high-net-worth individuals have complicated tax returns, so it’s not always easy to determine what their “income” is. We have gotten loans closed where our borrowers had gone to several other bankers/brokers previously and were turned down. We were able to review and simplify the tax return income and worked with senior underwriters to get loans approved and closed!
Bank Statement Income: We can use Self-Employed Borrowers’ business and/or personal bank statements to document the income needed to qualify for a loan. Bank Statement Programs typically ask for 3, 6, 12 or 24 months of bank statements. The longer the income period you can document up to two years, the better the resulting rate. There are many Bank Statement Loan Programs
Foreign National Loans: Are available and will depend on the type of visa you have, the income you can document, and if we can produce some sort of credit report.
Unique Properties: We can provide loans for rural, equestrian, high acreages and even working farms and ranches.
Bridge Loans: Are typically available for less than one year. It is important to have an exit strategy from the bridge loan, i.e., selling the property or having a clear plan to qualify for long-term financing.
Reverse Mortgages: Reverse Mortgages are available in many situations for Seniors and do not require any repayment of the loan until one year after the youngest borrower has left the property. Some programs now qualify seniors as low as 55 years old.
Credit Issues: We are able to review your credit report to see if we can find some commonsense ways to improve your credit score, resulting in a better loan!
Construction Loans: We are able to provide financing for owner occupied construction loans.
Mixed Use Property: Includes a Residential and a Commercial Component. Often one of the most difficult type of loans to close, we have sources that will lend on Mixed Use Properties.
High Loan-to-Value for Refi or Purchase: We have FHA and other loan programs that will go to 96.5%. Some of them will also accept low credit scores.
VA Loans: We offer a wide range of loans for active duty or retired Veterans. These include purchases, refinances (including the IRRRL streamlined refi), and loan amounts as high as $3,000,000.
Jumbo loans: We offer a wide variety of jumbo loans, which are typically larger loan amounts. We can offer great rates to A paper borrowers and also those in other categories. That includes bank statement income, credit issues, and higher LTV.
- Residential Owner-Occupied
C2 Financial Corp. Testimonials
As the #1 ranked Mortgage Broker in the USA, C2 Financial Corp. offers you expert, personalized service and access to virtually every possible loan program. We have strong relationships with some of the nation’s largest mortgage lenders and also work with many smaller niche lenders including banks with unique lending programs. We have the tools to help you with your mortgage needs. Rather than fit you into a lending box, your Senior Loan Consultant, ilan Awerbuch, will take time to find out your needs, and then identify the mortgage loan products that meet those needs.
C2 Financial closed almost $14 billion in loans in 2022, which gives us access to preferred pricing and service from our lending partners, resulting in superior pricing and a better experience for you. Chances are if there is a loan program to meet your needs, we are able to provide it. Whatever your situation regarding credit, income documentation and/or assets, we’ll listen first and then discuss loan programs that can meet your needs…
Your Personal Senior Loan Consultant ilan Awerbuch, has worked as a Mortgage Banker/Broker for over 30 years. When you combine that level of expertise with his individualized personal attention, the result is a very satisfied client. Ilan has closed every type of residential mortgage loan for his clients: business owners with complicated returns, self employed borrowers using bank statements, great credit and not so good credit, 1st time buyers, Reverse Mortgages, foreign nationals, veterans, and unique properties.
You’ll get to work one-on-one with him to get the best results for you…
- Association of Independent Mortgage Experts - Company
- CA Association of Mortgage Professionals - Company and Individual
- CA Mortgage Association - Individual
- National Assocation of Mortgage Brokers - Company
Office Locations10509 Vista Sorrento Parkway, Suite 400, San Diego, California 92121
NMLS ID - 326580
CA DRE Lic. - 01107922
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What We Do
- Consumer Home Loans in California
- Rural Properties
- Farms, Ranches and High Acreage
- Bridge Loans - Buy Before You Sell
- Ground-Up Construction Loans
- NO Land Loans
- NO Commercial Properties
- NO 100% Financing