The Process

Here is a overview of the process

Get pre approved
Find house with realtor and make offer
Get offer accepted
Open escrow and put down a deposit from verified account. MP will explain this to you
Order and review inspections
Conditional loan approval
Order and review appraisal
Any renegotiations will be done here at this time if there are issues such as repairs to home or value not coming in on appraisal
Final sign off on loan
Closing Disclosure goes out
Final walkthrough home to be sure all conditions and agreements are met
Loan and closing docs are ordered and sent to title
You sign your docs and any funding conditions are taken care of within the next 48 hours
Your loan funds and new deed is recorded
You are now the owner of your new home and you will get your keys from your realtor

How long does all this take once I find a house?

The process of closing can happen in as soon as 3 weeks but can sometimes take longer than 45 days.

This information is not intended to be a substitute for legal, tax or financial advice. Consult with a qualified attorney, accountant or financial advisor for additional legal or tax advice. These materials are not from HUD or FHA and were not approved by HUD or a government agency. * There are some circumstances that will cause the loan to mature and the balance to become due and payable. The borrower(s) must continue to pay for property taxes and insurance and maintain the property to meet HUD standards or risk default.. Credit is subject to age, minimum income guidelines, credit history, and property qualifications. Program rates, fees, terms and conditions are not available in all states and subject to change.

Brigitte Archer

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NMLS Consumer Access

Disclosures & Licensing

This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Department of Real Estate, Broker # 01821025; AZ DFI 919209; 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 California and Arizona. Corporate Address: 12230 El Camino Real Suite #100, San Diego, CA 92130

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

Consumers in Texas: Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at (877) 276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov

(714) 469-9511
Contact

The Process

NMLS#: 241661 | CA DRE #00913605 | AZ LO-1046258 | WA #241661 | C2 Financial NMLS#: 135622 | DRE #01821025

NMLS Consumer Access

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