Our mission is to save our clients money. 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. It is our mission 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 and create a great experience. We find happy clients refer more veterans, which helps us all.
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.
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
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.
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.