Frequently Asked Questions

The first step is getting pre-qualified or pre-approved. You can start online through our website or connect with a C2 loan officer who will guide you through the process. Pre-qualification is quick and can be done in minutes.

Pre-qualification is an initial estimate of what you might qualify for based on self-reported information. Pre-approval is a more thorough review that includes a credit check, income verification, and a conditional commitment from the lender. Pre-approval carries more weight when making an offer.

Down payment requirements vary by loan type. Conventional loans require as little as 3% down, FHA requires 3.5%, and VA and USDA loans offer 0% down payment options. Your loan officer can help determine which option fits your situation.

C2 offers a comprehensive range of loan programs including conventional, FHA, VA, USDA, jumbo, Non-QM, DSCR, renovation, reverse mortgage, and commercial loans. With 100+ wholesale lenders, we can match you with a program that fits your scenario.

Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who don't fit traditional lending criteria. This includes self-employed borrowers, real estate investors, and those with non-traditional income sources. Programs include bank statement loans, DSCR loans, and asset-based loans.

Yes. While credit requirements vary by program, options exist for a range of credit profiles. FHA loans accept scores as low as 580 (or 500 with 10% down), and some Non-QM programs work with lower scores. Your loan officer can review your specific situation.

As one of the nation's largest mortgage brokers, we access wholesale rates from 100+ lenders. Wholesale rates are typically lower than retail bank rates because the retail margin is removed. Many borrowers find C2's pricing competitive with retail bank quotes.

Closing costs are fees paid at the close of a real estate transaction, typically 2-5% of the loan amount. They include origination fees, appraisal, title insurance, escrow fees, and more. Your loan officer will provide a detailed estimate early in the process.

Yes, you can pay discount points to lower your interest rate. One point equals 1% of the loan amount and typically reduces your rate by 0.25%. Whether this makes sense depends on how long you plan to keep the loan — your loan officer can run the numbers.

A typical purchase mortgage takes 30-45 days from application to closing. Refinances can close in 3-4 weeks. Our AI-powered technology and dedicated support teams help keep your timeline on track.

Common documents include: recent pay stubs, W-2s (last 2 years), tax returns (last 2 years), bank statements (last 2 months), photo ID, and any additional documents related to your specific loan type.

After application, your file goes through processing (document collection and verification), underwriting (risk assessment and approval), and closing (signing documents and funding). Your loan officer and our team keep you updated throughout.

Contact our recruiting team through the website or call us directly. We'll walk you through the process, which includes licensing verification, technology setup, compliance review, and a structured onboarding program.

C2 offers two primary channels: the Broker Channel (originate and submit to wholesale lenders) and the Correspondent Channel through C2 Funding (close in your own name with delegated underwriting). Each has different benefits depending on your business model.

Absolutely. C2 believes in your independence. You build your own brand, maintain your client relationships, and grow your business your way. C2 provides the infrastructure, technology, and support — you build the business.

C2 provides a full technology stack at no additional cost: LOS, CRM, AI assistant, pricing engines, marketing platform, mobile app, and compliance tools. Everything is integrated into a single platform.