OUR PRODUCTS

  • Conventional

    • As little as 3% down
    • Lender paid mortgage insurance available
    • Fixed rate terms: 30, 25, 20, 15, and 10 year loans
    • 3yr, 5yr, 7yr, and 10yr ARMS
    • Super conforming up to $721,050 (Honolulu County)
    • Primary residence / Second Home / Investor
    • Refinances: rate/term or cashout
  • Jumbo

    • As little as 5% down
    • Fixed rate and ARM products
    • Recently moved from W-2 to 1099 is OK
    • Primary residence / Second Home / Investor
    • Loans up to $5,000,000 and higher
  • FHA

    • As little as 3.5% down
    • FHA to FHA streamline refinance
    • Easier credit criteria allowing scores as low as 500
    • FHA 203k rehab loans for homes that need a little TLC
    • Fixed and ARM products available
  • VA

    • $0 Down (up to $721,050 in Honolulu County)
    • NO cash to close option
    • No Mortgage Insurance
    • VA to VA Streamline refinance with no appraisal or out of pocket expense
    • 100% Cash-out refinance (cash can be used for any purpose)
    • Jumbo VA loans $3,000,000 and higher
    • Primary Residence (streamline does not have to be owner occupied)
    • Condo must be VA approved
    • Easier credit criteria allowing scores as low as 500
  • Portfolio

    These are the ‘outside the box loans’

    • High end Condotels
    • Cross collateralization
    • Pledged assets for down payment up to 90% loan to value
    • Low owner occupancy buildings
    • Loans up to $10,000,000 and higher
    • Interest only
    • Fixed rate and ARM products available
    • Primary residence / Second Home / Investor
    • Foreign nationals
    • Exception based lending
  • Reverse Mortgages (HECM)

    • All borrower must be 62 year old or older
    • No monthly payment
    • You still own your home
    • Use equity cash for any purpose
    • Purchase a property with a HECM reverse mortgage
    • Children have the option to keep / sell / or let go of the home when you pass
    • Primary residence only
  • USDA

  • Home Equity Line of Credit

    • Low introductory rate
    • No closing costs
    • Lines up to $1,000,000
    • No appraisal for lines under $250,000
  • Land Loans

    • As little as 25% down
    • 30% down for Agricultural-zoned
    • 3 Year terms with 30 year payment
    • Credit scores as low as 620
  • Construction

    • 100% financing if you own the land outright
    • Loans up to $2,000,000
    • 12-18 months to complete construction
    • Cross collateralize other property
  • Commercial

    • Apartment building loans
    • Industrial
    • Office
    • Retail
    • Land
  • HARP 2.0 Refinance

    • Loan must currently be a Fannie Mae or Freddie Mac loan closed prior to 5/31/09
    • No appraisal
    • No minimum credit score
    • Minimal documentation

Private Money

  • Quick closings in as little as 5 days
  • 30% or more down for purchases
  • Cross collateralize other properties
  • Loan amounts $10,000,000 and higher
  • Refinance a property listed for sale

TAKE THE FIRST STEP TOWARD YOUR LOAN TODAY


C2 Financial Corporation is approved to originate VA and FHA loans, and has the ability to broker such loans to VA and FHA approved lenders.
C2 Financial Corporation is not acting on behalf of or at the direction of HUD/FHA or the VA.

C2 Hawaii’sBEST RATES

as of 03/07/2017 05:31 AM

30 Year Fixed

  • INTEREST RATE

    4.125{046f3d91427b4ee66fbec940b2d6c10f717356ba49b766d384486a1634885ba4}

  • APR

    4.16{046f3d91427b4ee66fbec940b2d6c10f717356ba49b766d384486a1634885ba4}

VA 30 Year Fixed

  • INTEREST RATE

    3.500{046f3d91427b4ee66fbec940b2d6c10f717356ba49b766d384486a1634885ba4}

  • APR

    3.625{046f3d91427b4ee66fbec940b2d6c10f717356ba49b766d384486a1634885ba4}

5 Year ARM

  • INTEREST RATE

    3.250{046f3d91427b4ee66fbec940b2d6c10f717356ba49b766d384486a1634885ba4}

  • APR

    3.285{046f3d91427b4ee66fbec940b2d6c10f717356ba49b766d384486a1634885ba4}

Jumbo 30 Year Fixed

  • INTEREST RATE

    4.375{046f3d91427b4ee66fbec940b2d6c10f717356ba49b766d384486a1634885ba4}

  • APR

    4.41{046f3d91427b4ee66fbec940b2d6c10f717356ba49b766d384486a1634885ba4}

Above rates are qouted NO POINTS, assume 780 credit score, loan amount at or below $636,150 (except JUMBO). and 20{046f3d91427b4ee66fbec940b2d6c10f717356ba49b766d384486a1634885ba4} down (except forVA)