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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Pleasant mortgage experience possible?

by Annie Chang / Friday, 03 December 2021 / Published in Home Page, Market Updates, News

Tips to ensure a smooth mortgage experience

  1. Obtain a list of required documents from your loan agent:  This is super critical to help your loan officer to present your application in a complete manner, and get you the best rate. Depending on the loan program the list of necessary documents will vary.

 

  1. DO NOT open a new credit card or new credit line during the process:  It can be tempting to get an additional 10% off from opening a new store credit card while we shop at the store.  However this will stop or slow the process as a lender requires the complete terms, conditions and a new statements to show monthly obligation after applying for a new credit line as they may not show up on the credit report.  This also applies to a new installment loan, such as automobiles, jewelry, appliances and etc.

 

  1. Hold off job hunting until after the completion of a purchase or refinance: The lender verifies employment right before funding (sometimes the day of funding the loan).  Having a new employer can cause a speedbump at the end of the process.

 

  1. Document all the details of large deposits into your bank account:  If you make any large deposits, make sure to keep all the paperwork related with the deposit.  For example, a copy of the check (front and back) or a signed gift letter for gift funds with donor’s bank statement etc.

 

  1. Solar panel contracts:  It is common to purchase or refinance a home with an existing solar panel financing program.  Lenders will verify monthly payments regardless of purchasing or refinancing.

 

It is very beneficial to work with a seasoned mortgage professional like me when you are in the market to purchase or refinance.  Buying a home is often one of the largest purchases we have in our life.  If you are looking to refinance your property, the process can feel daunting and overwhelming. Working with a loan officer who can take your transaction from the beginning to closing helps to make this process stress-free.  Call me today @ 925-216-3618.

 

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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
Follow me on Facebook and Linked In

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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The Chang Team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act.

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