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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Getting a mortgage with less than perfect credit

Tuesday, 30 October 2018 by Annie Chang
Sometimes life throws you a curveball that no one could anticipate, and a bad credit score is one of the many curveballs. Mortgage rates are rising. Having a low credit score today could result in your mortgage getting declined, really bad timing, especially if you’re in desperate need of a mortgage. Tackle this problem One
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Acting on the current mortgage rates

Monday, 15 October 2018 by Annie Chang
It is no surprise the mortgage rates have hit their highest level in seven years, especially because of the previous five weeks of interest rate growth. At times like this, prospective homebuyers are troubled about whether they should buy a house now or wait for the rates to change. If you have waited until now
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Fear of reverse mortgages

Monday, 01 October 2018 by Annie Chang
In the news, reverse mortgages—a form of exchanging equity for money—is often portrayed as dangerous and risky for seniors. For example, the Philadelphia Inquirer stated that the hidden risks, deceptive advertising, targeting of minorities, and nullification of intergenerational wealth transfer are all the main reasons that a reverse mortgage is not a very appealing choice
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Early mortgage payoff…

Thursday, 20 September 2018 by Annie Chang
For many homeowners, paying off their mortgage early would seem like a dream. The dream of ridding oneself of all of the stress that exists with debt from their own home. A mortgage can last decades, and such a debt is daunting to first time homebuyers.  With this in mind, paying off your mortgage early
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Determining the best length for your mortgage

Monday, 27 August 2018 by Annie Chang
A mortgage is most likely the largest loan you’ll ever have!  It’s rather important to be sure that you’re getting the best terms on it as a slight misstep can result in additional thousands of dollars in interest over the life of the mortgage. The largest variable in a monthly payment isn’t based on credit
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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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