As the largest mortgage brokerage in the U.S, with access to 100+ lenders including the largest wholesale lender in the country, C2 Financial can provide you virtually every type of mortgage program in existence - including Conventional, FHA, VA, USDA, Jumbo, Non-QM, Land Loans, Construction Loans, Commercial Loans, and countless other programs. 

 

"The bottom line is - if a mortgage program exists, we can provide it!"

 

As an example of our diverse 

A

 Acreage Loans

 

 AG 20 Zoning

 

 Agricultural

 

 AirBNB income ok

 

 Appraisal Ok to Order on Broker's TIL

 

 Appraisal transfer ok

 

 Appraisal transfer OK - Conv loans

 

 Appraisal transfer OK - Govt loans

 

 Appraisal transfer OK - Jumbo

 

 Appraisal transfer OK - NonQM

 

 Appraisal Waiver maybe allowed

 

 Asset Depletion

 

 Assisted Living

 

 Assumable Loan

 

 AUS - DO free thru lender

 

 AUS - LP free thru lender

 

 Auto-Pay Pricing Incentive

 

 AVM only

B

 Bank Statement Program

 

 BK No Seasoning

 

 Blanket Loans

 

 BPC less than LPC ok

 

 Bridge Loans

 

 Builder Take Out

 

 Business Loans

C

 C2 LO as borrower ok

 

 Cal Vet

 

 CalHFA

 

 CalHFA 100%

 

 CALPERS

 

 Calplus with Zip

 

 CalSTRS

 

 CD - Lender issues CD only at CTC

 

 CD - Lender issues CD prior to CTC

 

 CHDAP

 

 Chenoa

 

 Church Loans

 

 Co-Ops

 

 Combo Piggy

 

 Commercial

 

 Condo - 95% w/MI (No FL)

 

 Condo - 97% LTV (Conforming)

 

 Condo - Limited Review

 

 Condo - Litigation Pend OK

 

 Condo - Live/Work

 

 Condo - Manufactured

 

 Condo - N/O/O

 

 Condo - Non Warrantable

 

 Condo 4 story +

 

 Condo Conversions

 

 Condo Friendly

 

 Condo Spot Approvals

 

 Condotels

 

 Const. to Perm

 

 Construction

 

 Construction - VA

 

 Construction Completion Loan

 

 Construction Loan - OneTime Close

 

 CRA

 

 Credit - Lender pulls own credit report

 

 Credit - Lender uses LO credit report

 

 Credit Waiver w/ DO/LP Approval

 

 Cross Collateralization

D

 DACA

 

 Deed Restrictions OK

 

 Departing Residence

 

 Digital Currency – OK for Downpayment (Fannie/Freddie)

 

 Doctor Loan

 

 Dome Homes

 

 Down Payment Assistance - Whithin Reach

 

 Down Payment Assistance OK

 

 DSCR

 

 DTI - 50%

 

 DTI - 55%

 

 DTI - No DTI program

 

 DTI to 60%

 

 DU - No overlays

 

 DU Refi Plus

 

 DU Refi Plus to 125%

E

 E-Signatures Accepted

 

 E-Signatures Accepted on ALL disclosures

 

 E-Signatures Accepted on SOME disclosures, but not on 4506 and BSA

 

 Email Disclosures

 

 Energy Efficient Mortgage (EEM)

 

 EPO 90 days

 

 EPO - No Penalty if BPC

 

 EPO - No penalty if C2 not involved in refi

 

 EPO 120 days

 

 EPO 150 days

 

 EPO 180 days

 

 Escrow Holdback on HUD REO

F

 Fannie Mae Day 1 Certainty

 

 Fannie Mae Direct

 

 Fannie Mae HomeStyle

 

 Fannie Mae Lender

 

 Farm

 

 Fee-In Allowed (Lender Fee rolled into rate)

 

 FHA

 

 FHA - 30 day flip ok

 

 FHA - 60 day flip ok

 

 FHA - 90 day flip ok

 

 FHA - No FICO OK

 

 FHA - Spouse no FICO OK

 

 FHA 203H

 

 FHA 203K

 

 FHA < 620 FICO ok

 

 FHA Access

 

 FHA Condo Spot Approvals

 

 FHA Multi-family

 

 FHA Secure

 

 FHA Streamline - No Appraisal

 

 FHA Streamline - No FICO

 

 FHMLC HomeOne

 

 FICO (None)

 

 FICO - 1 Score Only

 

 FICO < 620

 

 FICO < 620 Only for DU REFI PLUS

 

 FICO Fish

 

 FICO Only

 

 Firefighter Loans

 

 Fixed Rate Balloon

 

 Flipping - Property to be Flipped OK

 

 Flipping - Recently Flipped OK

 

 FNMA Flex

 

 Foreclosure Bailout

 

 Foreclosure No Seas.

 

 Foreign National

 

 Fractional Ownership

 

 Freddic Mac Lender

 

 Freddic Relief Open Access

 

 Freddie Relief to 125%

G

 Gas Station

 

 GFSA (Golden State Financing Authority)

 

 Ginnie Mae Direct

H

 Hard Money

 

 HARP 2 - FNMA MI Transfer ok

 

 HARP 2 - Fred MI Transfer ok

 

 HARP 2 - EA I,II,III FNMA MI Tnfr Ok

 

 HARP 2 - EA I,II,III FNMA ok

 

 HARP 2 - FNMA Unlim CLTV

 

 HARP 2 - FNMA Unlim LTV

 

 HARP 2 - Fred Unlim CLTV

 

 HARP 2 - Fred Unlim LTV

 

 HARP 2 - Property Inspection Only

 

 HARP 2 - Unlim CLTV, if same lender

 

 HARP 2 - Unlim LTV, if same lender

 

 HELOAN

 

 HELOC

 

 HELOC - Combo

 

 HELOC - Stand Alone

 

 HELOC 2nd Use Actual Pmt

 

 HERO Ok - Conventional

 

 HERO Ok - VA and FHA

 

 High Rise Condo

 

 Home Possible (LP)

 

 Home Ready

 

 HomeStyle

 

 HUD - $100 down REO

 

 HVCC Transfer OK!

I

 Indian Leased Land

 

 Interest Only

 

 Interest-Only (90% No MI)

 

 Investor Cash Flow

 

 Investor owns more 10% units - OK

 

 ITIN

J

 Jumbo

 

 Jumbo (Super)

 

 Jumbo - 12 months reserves

 

 Jumbo - 6 mo reserves

 

 Jumbo - 80/1010 to $1.7

 

 Jumbo - 90% LTV

 

 Jumbo - Interest Only

 

 Jumbo - Non Occ Co-B allowed

 

 Jumbo Refi - Unlimited Cash Out

L

 Land Loans

 

 LE - Broker must issue LE

 

 LE - Broker OR Lender can issue LE

 

 LE - If LO gets LE & CLEA, lender does NOT require MLDS

 

 LE - Lender must issue LE

 

 LE - Lender will issue LE and CLEA

 

 LE - LO can download LE & CD from lender's website

 

 Lease Option

 

 Leasehold

 

 Lender Paid MI

 

 Lender Paid MI (Split)

 

 LO can rep Buyer AND Seller on RE

 

 LO can rep Buyer on RE

 

 Loan Mod - 0 year waiting period

 

 Loan Mod - 1 year waiting period

 

 Loan Mod - 2 year waiting period

 

 Loan Mod - 3 year waiting period

 

 Lock - 120 Lock w/ Floatdown option

 

 Lock - 180 Lock w/ Floatdown option

 

 Locking - After hours allowed

 

 Log Cabins

 

 Lot Loans

 

 LP - No Overlays

 

 LPC can vary by state

M

 Manual Underwrite - All

 

 Manual Underwrite - Conventional

 

 Manual Underwrite - FHA

 

 Manual Underwrite - FHA Streamline

 

 Manual Underwrite - Jumbo

 

 Manual Underwrite - USDA

 

 Manual Underwrite - VA

 

 Manual Underwrite - VA IRRL

 

 Manufactured

 

 Manufactured - FHA

 

 Manufactured - On Leased Land

 

 Manufactured - USDA

 

 Manufactured - VA

 

 MCC (Mortgage Credit Certificate)

 

 Mexico Property

 

 Mixed Use

 

 MLDS - Lender does not require MLDS

 

 MLS - Off MLS for 1 day ok

 

 Mobile Home - Leased Land

 

 Mobile Home - Permanent Foundation

 

 Mobile Homes

 

 Modular

 

 Mortgage Accelerator

 

 Mtg Credit Only

 

 Mtg only

 

 My Community (DO)

N

 No Appraisal

 

 No Credit

 

 No DSCR

 

 No FICO on Co-Borr ok

 

 No Seas. - Assets

 

 No Trade Lines

 

 NOD okay

 

 Non Warrantable Condo

 

 Non-Occupant Coborrower

 

 Non-Owner (Interest-Only)

 

 Non-Owner Occupied Exempt Comp Regs

 

 Non-Permanent Resident Alien

 

 Non-permitted additions

 

 Non-QM Product Available

O

 Officer Next Door (Police Officer)

 

 Online Approvals

 

 Open Access Refi

 

 Own Your Own

 

 Owner-Occupied < 50%

P

 PACE

 

 Payoff Acceleration

 

 PERS Loans

 

 Physician Loan

 

 Platinum (CHF)

 

 Police Programs

 

 Portfolio Lender

 

 Power of Atty Ok

 

 Pre-Lock Ok (Lock before sub ok)

 

 Preferred Pricing for C2

 

 Preferred Service for C2

 

 Private Money

 

 Processing - Allow 3rd party processing (if lic)

R

 Rehab Loans

 

 Restricted Stock Units (RSU)

 

 Retail division - No

 

 Reverse Mortgage

 

 Reverse Mortgage - Jumbo

 

 Rural

S

 Same Day Approval (If in by 11 am PST)

 

 SBA loans

 

 Seasoning - Under 91 days ok

 

 Second (Jumbo)

 

 Seconds (Investment Property)

 

 Seconds - Stand Alone

 

 Section 184 Indian loan

 

 Seller Carryback 2nd

 

 Seller credits ok on 'Lender-Paid'

 

 Short Sale (1 Day Wait)

 

 Short Sale (1 Yr Wait)

 

 Short Sale (2 Yr Wait)

 

 Short Sale (3 Yr Wait)

 

 Short Sale (No Wait)

 

 Short-Pay Refinance

 

 Spec Loans

 

 State - AZ

 

 State - CA

 

 State - CO

 

 State - FL

 

 State - HI

 

 State - NV

 

 State - OR

 

 State - TX

 

 State - WA

 

 Stated Income (True Stated)

 

 Stated Retired

 

 Stated Self Employed

 

 Stated Wage Earner

T

 Tax Returns - Borrower has no tax returns

 

 Tax-Returns (1 yr req'd)

 

 TBD Properties

 

 Teacher Loans

 

 Tenants-In-Common (TIC) Financing

 

 Term - 40 year

 

 Timeshare

 

 Title in LLC, trust or ptnshp

 

 Trust (Close in a Trust Ok)

 

 Trust, Irrevocable (Lend to Irrev. Trust)

U

 Underwriters will talk to LO

 

 Units - Apartment

 

 Unpermitted - Conventional

 

 Unpermitted - FHA

 

 USDA Rehab

 

 USDA Rural

V

 VA

 

 VA IRRRL - No appraisal/AVM required

 

 VA IRRRL N/O/O

 

 VA IRRRL No Appraisal Reqd

 

 VA Streamline

 

 VOE Only

 

 VRBO rent income allowed if on Sch E