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What is a NON-QM loan?

Friday, 19 February 2021 by Annie Chang
The Consumer Protection Act was signed into law after the housing crisis. This mortgage reform created minimum standards for mortgages, such as; loans may not contain negative amortization, prepayment penalties, interest only, balloon payment features, a term exceeding 30 years, and the debt to income ratio may not exceed 43%. Many self-employed borrowers who have
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Market Update – February 19, 2021

Friday, 19 February 2021 by Annie Chang
Even though the pandemic is hopefully beginning to slow down, fewer homeowners have returned to making regular mortgage payments. As a result, mortgage rates have risen and returned to the higher levels we’ve seen in months. Because the changing of mortgage rates are becoming more and more difficult to predict, it’s becoming increasingly harder to
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Market Update – January 27, 2021

Wednesday, 27 January 2021 by Annie Chang
As predicted, with the rollout of the COVID vaccine mortgage rates have rebounded the to their highest level in two months. Rates are currently at 2.79%, compared to the 2.65% a week ago. Now is the time to act if you have been waiting on the sidelines waiting to refinance your current loan. It’s not
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Out of box loans

Friday, 22 January 2021 by Annie Chang
For those who think they can’t get a mortgage on account of their low or nonexistent credit score, or writing off tons of expenses in their tax returns, there’s no need to fret, because there’s essentially 2 ways to get a mortgage. The first one being the more common of having a less than perfect
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Thinking of selling a home?

Thursday, 12 November 2020 by Annie Chang
According to the CoreLogic numbers, the annual home price has appreciated by 6.7% which is the fastest annual acceleration since May 2014. Perhaps this is a good time if you are considering listing your house for sale and getting the top dollar. While it’s important to try to get the best value for your property,
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C2 Financial Corporation
Commercial, Residential and Construction Financing
Office: 925-238-8176
Cell: 925-216-3618

Ya-Hui (Annie) Chang CalBRE # 01377766/NMLS #231788
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http://www.nmlsconsumeraccess.org/

This licensee is performing acts for which a real estate license or consumer loan license is required. C2 Financial Corporation is licensed by the California Bureau of Real Estate, Broker # 01821025; Texas Division of Saving and Mortgage Lending, 135622; Washington Office Department of Financial Institutions, DFI# CL-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, TX, and WA. Texas Complaint/Recovery Fund Notice: (https://www.sml.texas.gov/ResidentialMortgageLoanOriginator/rmlo_mb_forms.html)

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

© The Chang Team. Created by SMMCats. 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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