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
California only
Loan Amounts
$150,000 to $30,000,000
Lien Position
1st, 2nd
Collateral Types
  • Residential Property
Loan Purpose
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Development Project
  • Primary Residence Purchase
  • Personal Use
Property Occupancy
  • Owner Occupied Residential

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.

Loan Types

  • Residential Owner-Occupied

Details and Requirements

Pre Payment Penalty

no

Will lend to a foreign national

yes

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Non-Profit Corporation
  • Self-Directed IRA
Personal Guaranty (Recourse) Required
Always
Credit Check Required

yes

Appraisal Required for Residential Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Legal Disclaimer

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. The services referred to herein are not available to persons located outside the state of California.

C2 Financial Corp. Testimonials

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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…

 

License

NMLS ID 135622, CA DRE Broker Lic. 1821025

Company Size (Number of Employees)

850

Year Established

2009

Associations

  • 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 Locations

10509 Vista Sorrento Parkway, Suite 400, San Diego, California 92121

Our Team

Ilan

Awerbuch

NMLS ID - 326580
CA DRE Lic. - 01107922

Get In Touch

C2 Financial Corp. pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration
Before You Contact Us

Our Minimum Loan Amount Is

$150,000

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

Not Available

  • NO Land Loans
  • NO Commercial Properties
  • NO 100% Financing

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