The Loan Process: an Overview

Make no mistake, there's a lot involved when you get a mortgage loan. You wouldn't be looking up loan information if it were possible to get a loan in one day by filling out a simple application. But C2 Financial Corporation does the heavy lifting so you can concentrate on your life rather than the mortgage loan.

Getting a home loan involves four major steps.

Step one: Decide on your maximum loan amount

This is a function of a couple things. What kind of monthly payment are you looking for? And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you? You can get a good idea of your preferred payment abount using the calculators on our website. And we can guide you to the right loan amount and best program for you when you answer a few quewstions. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.

Step two: pre-qualify for your loan

This step is where C2 Financial Corporation can begin to save you money. You will give us information about your current job, your assets, and your residence history. You'll give us information on your employment, asset, and residence history. We pull your credit score and report. After we've reviewed this information, we'll provide you with a pre-qualificaiton letter. Handle it with care — it is a useful tool when you make your offer! Your real estate agent will likely use the pre-qual (as they may call it) to make the best offer on the home you choose. While you're picking out the home that's right for you, we're busy finding the loan program that's right for your situation.

Step three: apply now! We make it easy

Once you have signed the offer and the sellers have accepted, it's time to apply for the loan. It's very easy, and you can do it online, right here on our website. When the time is right, we will order the appraisal of your new home.

Step four: your loan is funded

Your real estate agent and the seller's will coordinate to decide on an escrow/title company to take care of the funding of your loan. We'll work with this company to ensure all the papers your lender requires are avaiailable, and you will probably}likely sign all these papers at their officeWe do all the work to coordinate with this company to set your date to close. Since you will not need to worry about these details, you get to think about moving logistics, paint colors, new carpet, and the details involved in getting your new home.

You've answered a few questions, provided detailed information, applied online, and Before you know it, you're moving! C2 Financial Corporation is a mortgage specialist; you're not — so we do the work. Makes sense, doesn't it??

Have questions about the loan process? Call C2 Financial Corporation at (727) 478-2797. We answer questions about the loan process every day.

Basic Pre-Approval

Get the Best Mortgage Rate! Tell us a little about your current needs and we can use that information to match you with just the right loan.

Tell us about your loan needs.
How can we get in touch with you?
Tell us about your credit history.