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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Market update – January 20, 2021

Wednesday, 20 January 2021 by Annie Chang
Today is the inauguration day. The question of what President Biden will do to mortgage rates weighs heavily on consumer minds. By analyzing his future goals, experts have concluded that his goal of offsetting inflation and using government intervention to create affordable housing will result in a rise in both tax and mortgage rates. According
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Escape Foreclosure

Wednesday, 14 October 2020 by Annie Chang
Foreclosures are becoming more and more common in our current economic environment. With a large portion of the population undergoing forbearance procedures, it’s the perfect time to learn about and how to avoid foreclosure. Foreclosure is the process when the bank forces borrowers to surrender a property they are not making payments on. With many
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Market Update – September 21, 2020

Tuesday, 22 September 2020 by Annie Chang
Recently, we’ve seen the lowest mortgage rates of all time, People are rushing to refinance their mortgages, especially because the FHFA has announced the 0.5% adverse market fee to refinance mortgages sold to Freddie Mac and Fannie Mae starting December 1st. It’s ideal for everyone to take advantage of this opportunity as soon as possible.
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How to review your deal

Friday, 21 August 2020 by Annie Chang
With all the Mortgage Rate news and advertisements in social media, many suggest to refinance your mortgage at these historically low rates as low as 1.99%. Unfortunately the 1.99% rate has large up front fees some may not be able to afford. Whether you aim to tap into some equity, change the term of your
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DIY home remodeling

Friday, 01 May 2020 by Annie Chang
Shelter-in-place can be a perfect time to complete DIY projects.  When fixing up your house, it’s possible, even without professional help, to make your house appear bigger and better than it may seem on the outside. Here are some tips to increase appeal and to attract potential buyers in the future. Especially if you have
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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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