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Our Loan Programs
Select a loan type below to learn more about how it works and if it's right for you.
First Time Buyer Loans
Buying your first home is one of the biggest moments of your life, and we're here to make it as smooth as possible. First-time buyer programs offer lower down payments, reduced mortgage insurance, and special assistance programs designed to make homeownership accessible.
Conventional loans are the most popular mortgage product, offering great rates and flexibility for borrowers with solid credit and income documentation. Not government-backed, these loans conform to Fannie Mae and Freddie Mac guidelines.
Backed by the Federal Housing Administration, FHA loans are designed for borrowers with lower credit scores or smaller down payments. They offer more lenient qualification criteria, making homeownership accessible to more Americans.
Low down payment options for eligible borrowers
Credit and down payment requirements vary by lender
A thank-you to our nation's heroes. VA loans are exclusively available to eligible veterans, active-duty service members, and surviving spouses. They offer unmatched benefits that make homeownership easier and more affordable.
For luxury properties and high-value markets, jumbo loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac. Our lender network offers competitive jumbo products with flexible qualifying criteria for high-net-worth borrowers.
Buy a fixer-upper and finance the renovation in one loan, or tap your equity to improve your existing home. Renovation loans let you finance both the purchase and the improvements in a single, simple mortgage.
A Home Equity Line of Credit (HELOC) lets you tap into the equity you've built in your home as a revolving line of credit — perfect for home improvements, education costs, debt payoff, or any other major expenses.
Revolving credit subject to lender equity requirements
If you're carrying high-interest debt — credit cards, car loans, student loans — a cash-out refinance or HELOC can consolidate it all into one lower monthly payment, potentially saving you hundreds each month.
Cash-out subject to program and equity requirements
Ideal for self-employed borrowers who can't easily document income with traditional tax returns. We qualify you based on 12–24 months of business or personal bank statements — alternative income documentation may be available.
Income documentation depends on the lender and program
Verification of Employment (VOE) only loans qualify borrowers based on a simple employer verification — perfect for W-2 employees who have complex tax returns due to deductions, making traditional qualification difficult.
Alternative documentation subject to lender review
Specifically designed for independent contractors and gig workers who receive 1099 income. We use your 1099 forms directly to calculate your qualifying income — a much fairer method than using write-off-heavy tax returns.
Profit & Loss statement loans are perfect for business owners who want to qualify based on their business's actual profitability as shown on a CPA-prepared P&L — without the distortion of tax deductions reducing qualifying income.
Asset-based bridge financing for real estate investors, developers, and fix-and-flip projects. Hard money loans are approved based on the property's value rather than the borrower's income — enabling fast closings for time-sensitive deals.
Asset-based qualification
Closing timeline depends on lender and transaction requirements
Fix & flip, bridge, and ground-up construction
Purchase and rehabilitation financing subject to lender limits
Income and property review depend on program requirements
C2C Brokers Inc. — NMLS ID #2121587 · www.nmlsconsumeraccess.org Loan availability and approval depend on borrower qualifications, property eligibility, and lender requirements. This is not a loan approval or commitment to lend. C2C Brokers is a private company and is not affiliated with or endorsed by a government agency. Loans made or arranged pursuant to a California Financing Law license. California license #60DBO-139864.