925-216-3618

Chang Team Loan and Mortgage Services

Annie Chang
DRE# 01377766
NMLS #231788
Residential, Commercial, and Construction Financing

T (925) 216-3618
Email: annie@changteam.com

Chang Team at C2 Financial Corporation
12230 El Camino Real Suite #100 San Diego, CA 92130

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Refinance or Not?

Monday, 10 August 2020 by Annie Chang
According to Freddie Mac, the mortgage rate for the 30-year mortgage rate is at 2.88% as of August 6, 2020, a new low.  With that in mind, it’s best to begin the refinancing process. Though refinancing helps reduce your monthly payment, there’s actually more benefits to refinancing than it might first appear to have. Firstly,
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Choosing the RIGHT broker?

Thursday, 06 August 2020 by Annie Chang
It’s commonly said that cutting out the middle man will save you time and money but this couldn’t be further from the truth. Mortgage Brokers like myself can provide personal expert assistance, help streamline the process of getting a mortgage, and hiring a broker can usually save you more money that you could save on
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Market Update – July 6, 2020

Wednesday, 08 July 2020 by Annie Chang
Currently, the rates for a 30-year mortgage are at yet another record low! Scoring in at 3.07%, according to Freddie Mac. While Sam Khater, Freddie Mac’s chief economist projects that the rates for the 30-year mortgage could potentially dip below 3% this year, the economic data disagrees slightly.  One economic factor that might disagree involves
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Market recap – June 12, 2020

Friday, 12 June 2020 by Annie Chang
What an interesting week with both stock and bond market!  The stock market started early this week with 2000 points increase and dropped over 7% on Thursday.  Jerome Powell, Chair of Federal Reserve, warned that the economy will take much longer time to recover due to the pandemic.  The investors cooled their optimism after the
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Market Update – June 9, 2020

Tuesday, 09 June 2020 by Annie Chang
The coronavirus sweeping the nation has also swept the housing market off its feet. Mortgage rates have been dropped to ideal levels to help potential buyers with their purchases, and thereby slightly boosting the economy. Even before the pandemic, rates were already sliding downwards due to the Federal Reserve pushing policies that were aimed to
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C2 Financial Corporation
Commercial, Residential and Construction Financing
Office: 925-238-8176
Cell: 925-216-3618

Ya-Hui (Annie) Chang DRE# 01377766/NMLS #231788
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12230 El Camino Real Suite #100
San Diego, CA 92130
http://www.nmlsconsumeraccess.org/

This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Bureau of Real Estate, Broker # 01821025; Oregon Division of Finance, DFI# ML-4917; Texas Department of Savings and Mortgage Lending, NMLS 135622; Washington Office Department of Financial Institutions, DFI# MB-135622; 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 CA, OR, TX and WA.

Texas Complaint/Recovery Fund Notice: Texas Residents: Consumers Wishing To File A Complaint Against A Mortgage Company Or Residential Mortgage Loan Originator Licensed In Texas Should Send A Completed Complaint Form To The Department Of Savings And Mortgage Lending (Sml): 2601 N. Lamar Blvd., Suite 201, Austin, Texas 78705; Tel: 1-877-276-5550. Information And Forms Are Available On Sml's Website: Sml.Texas.Gov.

As a broker, C2 Financial Corporation is NOT individually approved by the FHA or HUD, but C2 Financial Corporation is allowed to originate FHA loans based on their relationships with FHA approved lenders.

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LOGIN | Privacy Policy | Terms of Use | Fair Housing Act Notice
The Chang Team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act.

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