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