OUR MISSION FOR VETERANS
Our mission as always is to save our clients as much money as possible. This is very important to us, especially when it comes to our veterans. On average we are about $10,000 cheaper on fees than most VA mortgage banks here in Hawaii. In addition, it is our goal to provide the highest quality service at the best price. Because we work with many different lenders, and our fixed compensation is paid by those lenders, our only motivation is to find you the best rate so you are happy and will refer more veterans. Mortgage banks can charge you higher interest and make more money. We are paid a set amount by the lender and any excess credits goes directly to you vs. the mortgage bank’s pocket. We see mortgage banks over charging veterans every day. It is our mission to put that money back into the pocket of veterans.
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Benefits of a VA Loan
100% Financing
$0 Cash to close option
No Mortgage insurance
Lower interest rates
More lenient credit requirements allowing scores as low as 500
Easier to income qualify for
VA APPROVED CONDOS -
Funding Fee and VA Disability
The VA funding fee is a fee that is charged to the veteran by VA which helps finance the VA home loan program. This fee can be financed.
It is important to apply for your VA disability prior to signing your loan closing documents. If you are approved for 10% or more we can have your funding fee refunded.
If you are current collecting 10% or more in disability benefits from VA your are funding fee exempt
FUNDING FEE TABLE HERE
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Refinancing
Streamline Refinance – This benefit allows you to refinances a VA to VA with no appraisal / income or asset documents. Just no 30 day late payments in the last 12 months. No cash to close and skip up to 2 month’s payments.
Cash-out Refinances – 100% loan to value cash-out refinances are only available through your VA loan. The cash can be used for any purpose.
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Veteran Resources
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.
If you recently closed on your VA loan at a higher rate this doesn’t have to haunt you for 30 years. We can drop your rate: no appraisal / no income / no asset documents. This streamline process takes less than 30 days.