Author: Joe Schmitz

 

 

• Flexible Financing for Your Next Move: Our bridge loans are perfect for borrowers who are in the process of selling their existing property but have found their next home before the sale is complete. This loan allows you to secure your new property without the stress of timing the market.
• 12-Month Interest-Only Payments: To ease the financial burden during the transition period, our bridge loans come with the benefit of interest-only payments for the first 12 months. This feature helps manage cash flow effectively, allowing you to direct funds towards the sale of your current home or other essential expenses.
• No Income Verification for Investment Properties: Specifically tailored for investment properties, C2 Hawaii’s bridge loan does not require income verification. This is particularly advantageous for investors who might not have traditional income streams but wish to expand their portfolio.
• High Loan Amounts: Whether you’re looking to buy a modest condo or a luxurious estate, we offer bridge loans up to $5,000,000+. This high ceiling ensures that no matter the value of your new purchase, C2 Hawaii can finance it.

 

1. Application: Apply for a bridge loan through C2 Hawaii. Our process is streamlined to get you approved quickly so you can make an offer on your new home with confidence.
2. Funding: Once approved, we provide the funds to cover your down payment or even the full purchase price of your new property.
3. Repayment: The loan is generally set up to be repaid once you sell your existing home. The interest-only period gives you breathing room to make that sale without the pressure of immediate principal repayments.
4. Transition: Move into your new home while finalizing the sale of your previous one. With the bridge loan, you can enjoy a smoother transition without the worry of double mortgage payments.

 

• Local Expertise: Based in Honolulu, we understand the unique challenges and opportunities within the Hawaii real estate market. Our team is committed to providing personalized service that matches the local vibe and culture.
• Competitive Rates: Leveraging our extensive network, we ensure you get some of the most competitive rates in the industry.
• Customer-Centric Service: From application to closing, our team at C2 Hawaii is here to guide you through every step, ensuring a transparent and hassle-free experience.

 

 

 

 

• No Income Documentation Required: Forget the hassle of gathering pay stubs, W-2s, or tax returns. With our No Income Loan, your financial history doesn’t have to hold you back from buying your dream home.
• As Little as 25% Down: We recognize that saving for a down payment can be challenging. That’s why we only require a minimum of 25% down, making your path to homeownership more achievable.
• Primary Residence Only: This loan is perfect for those looking to purchase or refinance their primary home in Hawaii. Whether you’re looking to settle on Oahu, Maui, or any other island, we’ve got you covered.
• Refinance Options: Whether you’re looking to lower your interest rate with a rate/term refinance or need cash-out to fund your next big project, our No Income Loan provides flexibility. Refinancing can be your key to unlocking the equity in your home for other financial needs or simply to save on monthly payments.

 

 

• Local Expertise: Our team is deeply familiar with the Hawaii real estate market, ensuring that your loan experience is smooth and tailored to the local context.
• Customized Mortgage Solutions: We don’t believe in one-size-fits-all. Our loan officers work closely with you to understand your unique situation and craft a mortgage plan that fits your lifestyle and financial goals.
• Competitive Rates: Leveraging our broad network, we secure some of the best rates available, giving you more value for your investment.
• 5-Star Service: With a customer rating of 5.0 from over 100+ reviews, our commitment to exceptional service is clear. We’re here to guide you through every step of the home buying or refinancing process.

 

1. Contact Us to schedule a consultation with one of our expert loan officers.
2. Consultation: During your consultation, discuss your homeownership goals, and learn how our No Income Loan can work for you.
3. Application: Begin the easy application process. Our team will guide you through every detail, ensuring you understand each step.
4. Approval: With our streamlined process, we aim for quick approvals, moving you closer to closing on your new home.

 

 

 

 

 

• For 1099 Paid Borrowers: If your income doesn’t fit into the traditional income mold, our loan program is designed to accommodate your unique financial situation. No more being turned down because your income isn’t ‘conventional’.
• 1099 Income Minus Expenses: We calculate your qualifying income by considering your 1099 income after subtracting your business expenses. This approach ensures that you’re not penalized for expenses that appear on your tax returns that might not be recurring.
• Simple Profit & Loss (P&L) Statement: To streamline the process, we require just a basic P&L statement to verify your business expenses. This reduces the paperwork and complexity often associated with mortgage applications for the self-employed.
• No Tax Returns Required: One of the most significant benefits of our 1099 Loan is that we do not require your tax returns. This means no more waiting for tax season or worrying about how deductions might affect your loan eligibility.
• Refinancing Options: Whether you’re looking to lower your interest rate, change your loan term, or need a cash-out for personal or business use, our refinancing options are open to you. Enjoy rate and term refinancing or cash-out refinancing with ease.

 

• Hawaii’s Mortgage Experts: As a full-service mortgage broker in Hawaii, we leverage our deep understanding of the local market to secure you the best mortgage rates and terms.
• Personalized Service: We pride ourselves on providing personalized service tailored to your specific financial situation. Our team is here to guide you through every step of the mortgage process.
• Competitive Rates: With access to over 100 wholesale lenders, we ensure you get competitive rates, making homeownership or refinancing more affordable.
• No Upfront Costs: We believe in transparency and affordability, which is why we offer no upfront costs on our services, making your journey to homeownership smoother.

 

 

1. Assess Your Income: Gather your 1099 forms and prepare a simple P&L statement.
2. Contact Us: Reach out to our team for a consultation. We’ll walk you through the process and discuss the best mortgage solutions for your needs.
3. Application: Use our seamless online application process to submit your loan request, and we’ll handle the rest.
4. Close Your Loan: With our dedication to fast service, we aim to close your loan quickly, ensuring you can move into your new home or enjoy your refinanced terms without delay.

 

 

• Flexible Income Verification: Traditional mortgage applications often overlook the nuances of tip-based incomes. Our Service Industry Loan uses Written Verification of Employment to confirm both your base salary and tip income, ensuring you’re not penalized for your unique work situation.
• No More Paperwork Hassles: Say goodbye to the mountains of paperwork. With us, no paystubs or tax returns are required. We understand the challenges in documenting tip income, which is why we’ve streamlined the process to make it as straightforward as possible.
• Refinancing Options: Whether you’re looking to lower your interest rate with a rate/term refinance or need cash-out for home improvements, investments, or other needs, our Service Industry Loan offers versatile refinancing solutions to match your financial goals.

 

• Local Expertise: Based in Hawaii, we understand the local market dynamics and the unique financial situations of those in the service industry. Our team is committed to providing personalized service that big banks might overlook.
• Specialized Loans: Beyond the Service Industry Loan, we offer a range of mortgage solutions designed to cater to the diverse needs of our community, ensuring everyone has a pathway to homeownership.
• Exceptional Customer Service: From your first query to the closing table, our team provides support every step of the way. We’re here to answer your questions, guide you through the process, and make sure you feel confident and informed.

 

1. Contact Us: Contact us to be connected with one of our experienced local loan officers.
2. Initial Consultation: We’ll gather basic information about your employment, income, and housing needs to tailor the best loan option for you.
3. Application: With minimal documentation required, we’ll help you through a hassle-free application process.
4. Approval and Closing: Our goal is to get you pre-approved quickly and guide you through to a smooth closing.

 

Contact our team of local experts at C2 Hawaii to explore your options today: Contact Us

 

 

• Condotels Without the Hassle: No minimum square footage required, and forget about needing a full-sized kitchen. If you’re dreaming of owning a condotel, C2 Hawaii makes it possible with flexible terms that align with your lifestyle and investment goals.

• Multiple Homes on One Parcel: Live in one, rent out the others, or keep them for family – we finance properties where multiple homes share one lot, offering you versatile living options.

• Luxury Properties Up to $10,000,000+: Your luxury home deserves a mortgage that matches its grandeur. Whether it’s an oceanfront estate or a secluded jungle retreat, we finance high-end properties that reflect your status and taste.

• Single Family Homes with Multiple ADUs (Ohana Units): We offer loans for single-family homes that come with more than one Accessory Dwelling Units, boosting both your living space and income potential.

• Large Acreage: Whether you’re planning a sustainable farm, a private retreat, or just want the luxury of space, our loans cover properties up to 25 acres, ensuring you have the room to live your dreams.

• Refinance Options: Whether you’re looking to reduce your interest rate, shorten or extend your loan term, or pull out cash for renovations or other investments, we provide both rate/term and cash-out refinancing options tailored to your financial strategy.

 

• Expertise: Our team has deep insights into the unique real estate market of Hawaii, offering you guidance that’s both local and specialized.
• Flexibility: We understand that each property and borrower is unique. Our loan products are designed with flexibility to meet your specific needs, not the other way around.
• Service: From application to closing, our dedicated professionals provide personalized service, ensuring your financing journey is as smooth as the Hawaiian trade winds.

• No Upfront Costs: Enjoy our services without worrying about upfront fees, making your property investment more accessible.

 

 

 

• Have No U.S. Income or Credit: No need to worry about traditional credit checks or income validations. Our program is crafted for foreign nationals who are looking to invest in U.S. property without local financial footprints.
• No Income Requirement: Whether you’re an investor or looking for a vacation home, our loan doesn’t require you to show U.S. income.
• No Credit Report: Traditional credit checks are bypassed, recognizing that international credit doesn’t always translate to U.S. standards.
• Send Foreign Assets Direct to Escrow: Simplify your transaction by sending funds directly from your foreign bank accounts to the escrow for your property purchase.
• Refinancing Options: Whether you’re looking to adjust your current rate or pull out cash for further investment, our refinancing options including rate/term or cash-out are at your disposal.

• Expert Guidance: Our team at C2 Hawaii has extensive experience in dealing with unique mortgage scenarios. We’re here to guide you through every step, from application to closing.
• Localized Knowledge: Understanding the nuances of the Hawaiian real estate market, we ensure you get the best deal tailored to your needs.
• Streamlined Process: We’ve simplified the loan process to be as easy and stress-free as possible, especially for those not based in the U.S.

• Top-Rated Service: With a stellar rating of 5.0 from 100+ reviews, our commitment to customer satisfaction is evident. 

 

1. Consultation: Contact Us to us for an initial consultation. We’ll discuss your goals, whether it’s investment, vacation, or a new home in Hawaii.
2. Documentation: We’ll guide you through the minimal documentation needed, focusing on your foreign assets rather than local income or credit.
3. Loan Application: Apply for our Foreign National Loan with ease. Our process is designed to be as accommodating as possible for international clients.
4. Closing: Once approved, we’ll facilitate a smooth closing process, making sure your funds are managed securely through escrow.

 

 

 

 

• Insufficient Insurance Coverage: If your condo project lacks adequate insurance, traditional lenders might shy away. We understand the nuances of local insurance requirements and offer lending solutions.
• Co-Operatives: While co-ops can be challenging to finance, C2 Hawaii provides options to help you invest in these unique properties.
• Condotels: Often seen as higher risk due to their hotel-like operations, we offer specialized financing for these investment opportunities.
• Current Litigation: Legal issues with the condo association or project can deter many lenders. Our team is skilled at navigating these complexities.

 

 

 

• Local Expertise: Our deep understanding of the Hawaii real estate market means we’re uniquely positioned to handle the intricacies of local condo projects.
• Flexible Financing: We provide personalized loan terms, understanding that each condo and each borrower’s situation is unique.
• Quick Approval Process: We pride ourselves on our efficiency, helping you close on your property without unnecessary delays.
• Competitive Rates: Despite the unique nature of non-warrantable condos, we work to ensure you get competitive rates that align with your financial planning.

 

 

• Financing Non-Warrantable Condos: If traditional loans are off the table, we step in with our portfolio loans tailored for condos that don’t meet conventional criteria.
• Insurance Coverage Solutions: We assist in navigating insurance requirements with lending solutions to fit your needs.
• Condotel Investment: Ideal for those looking to invest in Hawaii’s vibrant tourism market, we offer financing that acknowledges the potential of condotels.
• Handling Litigation: Our experience with condos in litigation ensures we can often provide a pathway to financing where others can’t.
• Refinancing Services: Whether to lower your interest rate or to pull out equity for further investment or personal use, our refinancing options are designed to benefit you.

 

 

 

• No Employment or Income Required: Your job status or income level won’t stand in the way of your homeownership.
• As Little as 25% Down: Start your home buying journey with a lower down payment than you might expect.
• Verification with Just Two Months Bank Statements: We simplify the verification process, focusing on your ability to cover the loan balance with your assets.
• For Owner-Occupied & Second Homes: Whether you’re buying your primary residence or a vacation home, we’ve got you covered.
• Loan Amount up to Total Assets: If you could pay in cash, you can secure a loan up to that amount, making your financial strategy flexible.
• Refinance Options: Whether it’s for a better rate or to pull out cash, we offer both rate/term and cash-out refinancing.

 

 

• Expert Guidance: Our team of experienced mortgage brokers in Hawaii is here to guide you through every step, ensuring you understand your options.
• Local Expertise: We have deep knowledge of the Hawaiian real estate market, offering insights that only local specialists can provide.
• Personalized Service: We treat each client with the personal attention they deserve, customizing our services to fit your unique financial situation.
• Quick and Efficient: We’re committed to making the loan process as swift and straightforward as possible.

 

1. Consultation: Contact Us for a no-obligation consultation where we discuss your goals, assets, and loan needs.
2. Asset Verification: Provide us with the last two months of bank statements to verify your asset availability.
3. Loan Customization: We tailor the loan to match your asset base and home purchase plans.
4. Approval and Closing: Experience a streamlined approval process leading to a smooth closing.

 

 

 

 

 

• Qualify Based on Property Income: Unlike traditional loans that require detailed personal financial statements, our DSCR loan looks at the property’s ability to generate income. This is ideal for investors with fluctuating personal income or those who prefer not to use their personal financials for loan qualification.
• Entity-Based Financing: Close your loan under an entity like an LLC or partnership. This not only shields your personal credit from any impact but also offers tax advantages and business protection. Your investment’s financial health stays separate from your personal credit report.
• First-Time Investors Welcome: New to real estate investing? No problem. C2 Hawaii opens its doors to first-time investors, giving you the chance to jumpstart your investment journey in Hawaii’s vibrant market.
• Flexible Refinancing Options: Whether you’re looking to reduce your interest rate with a rate/term refinance or pull equity out of your property through a cash-out refinance, our DSCR loan provides the flexibility you need. Use the cash to invest in more properties, renovate existing ones, or for any other business purpose.

 

• Local Expertise: We understand the unique aspects of the Hawaii real estate market, including areas with high rental demand and growth potential. Our team is here to guide you through every step.
• Streamlined Process: We’ve tailored our loan application process to be as straightforward and efficient as possible, ensuring quick approvals and closings so you can capitalize on opportunities swiftly.
• Competitive Rates: With our deep understanding of the market, we offer competitive rates that make investing in Hawaii more feasible and financially rewarding.
• Dedicated Support: From your initial inquiry to closing, our team provides personalized support, ensuring your investment decisions are informed and strategic.

 

 

1. Contact Us: Reach out to C2 Hawaii for a consultation. We’ll discuss your investment goals and property specifics.
2. Application: We’ll guide you through an easy application process, focusing on your property’s income potential.
3. Approval and Funding: Once your loan is approved, we expedite the closing process to get you funded fast.

 

 

 

 

 

• For Self-Employed Borrowers: If you’re a freelancer, business owner, or contractor, traditional loans can be a hassle due to fluctuating incomes or significant business deductions. Our Bank Statement Income Loan looks at your real earnings, not just what’s on paper.
• Flexible Income Verification: We accept 3 or 12 months of bank statement deposits as your income proof. This approach ensures that your actual cash flow is considered, giving you a better shot at qualifying for a mortgage.
• No P&L or Tax Returns Needed: For those choosing the 12-month bank statement option, there’s no need to submit Profit & Loss statements. This simplifies the mortgage application process significantly, saving you time and reducing paperwork.

 

• Primary Residence, Second Home, or Investment Properties: Whether you’re looking to buy your dream home, a vacation spot, or expand your investment portfolio, our loan covers all types of property occupancies.
• Refinance Options:
  • Rate/Term Refinance: Lower your interest rate or change your loan term without pulling out equity.
  • Cash-Out Refinance: Need cash for business expansion, debt consolidation, or home improvements? Refinance and access the equity in your home.

 

• Expertise in Non-Traditional Mortgages: At C2 Hawaii, we understand the unique financial landscape of self-employed individuals. Our team specializes in finding mortgage solutions that traditional banks might overlook.
• Local Knowledge, Global Reach: Serving the beautiful islands of Hawaii, we combine local market insight with a broad spectrum of mortgage products to meet your specific needs.
• Personalized Service: We pride ourselves on providing personalized service. Every client gets a dedicated mortgage advisor who navigates you through the process from start to finish.

 

1. Gather Your Bank Statements: Collect your personal or business bank statements for the last 3 or 12 months.
2. Contact Us: Reach out to our team for a preliminary discussion. We’re here to assess your situation and guide you on the best path forward.
3. Application: Our application process is designed to be as smooth and stress-free as possible, with experts to assist at every step.
4. Approval and Closing: With less documentation and our streamlined process, we aim for a quick approval and a seamless closing experience.

 

Let’s turn your homeownership dreams into reality, regardless of how you earn your income.