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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You may soon pay less for Mortgage Insurance

Monday, 02 July 2018 by Annie Chang
On June 4th, mortgage insurance companies began to split up and take different routes. With previously unimportant factors reigning over the new system, it’s important to understand what they mean for both buyers and lenders. Mortgage insurance Mortgage insurance is an insurance policy that compensates the lender in the case of a default on the
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  • Published in mainwp, Market Updates, News, Uncategorized
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Improvements to raise the value of your home

Thursday, 21 June 2018 by Annie Chang
If you’re looking to sell your house, improvements may be in order to raise the value of your home. Of course you’ll want to be sure that the amount of money you spend on the improvements earn you the greatest amount of money in return. In this situation, here are some places you can start.
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  • Published in mainwp, Market Updates
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HELOC: Home Equity Line Of Credit

Sunday, 10 June 2018 by Annie Chang
One option to control long-term debt is withdrawing money from your home equity, known as HELOC: Home Equity Line Of Credit. Similar to a credit card debt, HELOC is a revolving debt, which means that you can continuously borrow against it while paying it off. Unlike a credit card, however, HELOC is a secured loan,
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  • Published in mainwp, Market Updates
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Personal Contact or One-Click Service

Monday, 28 May 2018 by Annie Chang
Personal contact rather than one-click service As a veteran broker, I truly believe, it is imperative to have personal contact rather than one-click service. Recently, Amazon has shown signs of entering the mortgage market, bringing a worldwide online retailer into the mortgage space. According to HousingWire’s Jacob Gaffney, Amazon intends to begin with checking programs
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Mortgage rates rise with the 10-year Treasury Yield

Thursday, 17 May 2018 by Annie Chang
The 10-year Treasury note yield has recently risen above 3% for the first time since 2014! Leaving everyone wondering about what this could mean for the future of asset markets and the global economy. T-Bill is a loan you give to the government The 10-year Treasury note or T-Bill is a proof of debt from
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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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