Your first home or your next home
Understand the steps, low-down-payment options, down payment assistance, and the questions to ask before shopping.
Explore your first home or your next homeHome financing
Purchase, refinance & home equity loans.
Buying your first home or your next home, refinancing an existing mortgage, or exploring a home equity loan? Let’s find the financing path that fits your goals.
Find your starting point
A path for your situation.
We help with purchase loans, refinancing, and home equity loans. Your income, property, and goals shape the options—start with the path that fits you.
Self-employed & 1099 earners
When traditional qualification isn’t working, don’t give up. Our specialty options include bank statement and 1099 programs, self-prepared profit-and-loss (P&L) programs, and asset-based income options.
Explore self-employed & 1099 earnersRental property investors
We offer traditional financing and loans designed for investors, including DSCR programs, cross-collateralization, and other options that may better fit your situation.
Explore rental property investorsWhy work with a mortgage broker?
One conversation. Access to many lenders.
Through C2 Financial, I have access to a network of more than 100 banks and financing institutions. That gives us a broader set of programs to investigate when one lender’s guidelines do not fit your situation.
A bank generally offers its own product lineup. As a broker, I can compare options across participating lenders—including alternative income documentation and investment property financing.
More options do not guarantee approval or the lowest cost. They give us more ways to review your needs and compare the available terms.
A different answer deserves a careful review.
If a lender has said no, tell me why. We can investigate whether the obstacle is income documentation, loan size, property eligibility, or another requirement—and whether an alternative path exists.
Discuss your financing situationLoan program education
Understand the choices.
Start with the basics, then compare the costs and requirements for your actual scenario.
Loan programs
Conventional loans
Conventional financing is not insured or guaranteed by FHA, VA, or USDA. Conforming conventional loans meet applicable Fannie Mae or Freddie Mac requirements.
Explore Conventional loansLoan programs
High-balance conventional loans.
A loan above the baseline conforming limit may still be conforming in an eligible high-cost county, within that county’s applicable limit.
Explore High-balance conventional loans in higher-cost markets.Loan programs
Jumbo loans.
Larger home loans require a careful comparison of lender guidelines, documentation, cash requirements, and loan structure.
Explore Jumbo loans for financing above conforming limits.Loan programs
FHA loans
FHA financing is an option for eligible homebuyers—including buyers who have owned a home before.
Explore FHA loansLoan programs
VA financing
Eligible veterans, service members, and certain surviving spouses may have access to a VA-backed purchase loan with no down payment.
Explore VA financingLoan programs
USDA financing
The USDA Guaranteed Loan Program can provide no-down-payment financing for eligible households buying an eligible primary residence in a qualifying rural area.
Explore USDA financingAlternative documentation
Bank statement loans.
A potential qualification path when traditional tax-return documentation does not adequately support the proposed loan.
Explore Bank statement loans for self-employed borrowers.Alternative documentation
1099 income loans
Independent contractors and other eligible 1099 earners may have a documentation option beyond the traditional tax-return review.
Explore Mortgage options for 1099 earners.Investment property financing
DSCR loans
Debt service coverage ratio financing focuses on the investment property’s rental cash flow, using a different income-review approach from a traditional owner-occupied mortgage.
Explore DSCR loansPlanning comes before choosing the product.
The Mortgage Concierge Program brings your comfortable payment, cash reserves, future expenses, and long-term goals into the conversation.
Explore the planning questionsBased in Mission Viejo and serving Orange County and California, plus Arizona, Colorado, Florida, Oregon, South Carolina, Tennessee, Texas, Washington, and Wyoming. Programs, documentation requirements, pricing, and availability vary by lender and state.