About Us
C2 Financial Corp. is one of the largest wholesale brokers in the US with access to over 100 of the largest wholesale lenders in the country! They currently employ 500 mortgage loan originators in AZ, CA, CO, HI, FL, NV, OR, TX and WA. This allows the borrower whether purchasing or refinancing to get the best possible rate and terms without paying retail lender prices. Many of our rates include a lender credit as well to help offset the borrowers closing cost rather than add the cost into the loan or pay it up front! Our AZ office is located in Scottsdale, AZ. Call me with any questions, Russ Duncan - 480-353-9746 or rdad2000@gmail.com NMLS # 1210866 AZ LO # 0928503 C2 Financial Corp. NMLS: 135622 AZ Lic: 162426
The products and services we offer
Recommendations Received (4)
"He has a good reputation for funding."
"Russ is a knowledgeable and reliable professional that sets himself aside from the rest. "
Products & Services
Conv loans up to $679,650 priced as a conforming loan instead of JUMBO rates & terms.
FICO's as low as 550 to 580 without the overlays of 2 to 3 months PITI reserves most area retail brokerages require as a loan condition!
Recommendations Given (6)
"I have known Jody for many years and she is looked upon in the real estate industry as a true..."
Read more
"I have known Jody for many years and she is looked upon in the real estate industry as a true professional, extremely knowledgeable and successful! Bob and Jody are true experts in every sense of the word and I highly recommend them! "
"John is a seasoned real estate broker/agent with over 20 years experience! He has an extensive..."
Read more
"John is a seasoned real estate broker/agent with over 20 years experience! He has an extensive background which allows him to assist you with any aspect of the real estate industry!"
Recent Activity
I would tend to gear my efforts to those firms in the areas of high end homes. Also maybe look in those stock brokerage firms who have a track record of working with high income individuals. Find some agents there who may be helpful. While social media may be good for many these type of...
(more)
I would tend to gear my efforts to those firms in the areas of high end homes. Also maybe look in those stock brokerage firms who have a track record of working with high income individuals. Find some agents there who may be helpful. While social media may be good for many these type of individuals spend very little if any time on social media. But the high end luxury home real estate agents, those who have properties listed in the $1 million range and up may be good sources because their clients rely on them heavily to find very specific properties! So check out the top ten to 20 luxury home agents in your market. Once you do a good job for them they will refer others since they tend to socialize with like kind. Best Wishes!!
The only time I have had any loans turned down due to income had to do with the back end ratio. Sometimes we have debts show up the borrower did not tell us about and it didn't appear on their credit report. This typically is the DTI (debt to income) ratio for debts & mortgage payment. CONV...
(more)
The only time I have had any loans turned down due to income had to do with the back end ratio. Sometimes we have debts show up the borrower did not tell us about and it didn't appear on their credit report. This typically is the DTI (debt to income) ratio for debts & mortgage payment. CONV caps this ratio at 50%, FHA will go as high as 55% +/- depending on other qualifying factors. We have a CONV HIGH BALANCE program which caps at 43% DTI but it allows up to a max loan of $726,525 as compared to $484,350! There are alternative programs as well some lenders have that others don't but all in all lenders want to make loans! They will try whatever to possibly make it work but there are strict guidelines in place they must follow as well!
Sunny, I may have a contact for you which can help out. Send me an email contact for you and I will forward you the info! rdad2000@gmail.com
(more)
Sunny, I may have a contact for you which can help out. Send me an email contact for you and I will forward you the info! rdad2000@gmail.com
LeAnne, for a small business starting out with less than 10 employees or so, I would say the SBA (Small Business Administration) since they are more favorable to businesses than banks. In addition they will give you up to 40 years to pay back the loan and help make the payments more affordable...
(more)
LeAnne, for a small business starting out with less than 10 employees or so, I would say the SBA (Small Business Administration) since they are more favorable to businesses than banks. In addition they will give you up to 40 years to pay back the loan and help make the payments more affordable unless most commercial loans, who typically like the twenty year amortization! PS How is Virginia, it is my home state and will always hold a special place in my heart even though I now lived in Arizona!!!
There is a fine line between being persistent and being pushy! Good salespeople know the difference and had a good instructor teach them. I always look for a follow-up phone call, note or email thanking me for taking the time to meet and have a discussion with them! If I don't either of those...
(more)
There is a fine line between being persistent and being pushy! Good salespeople know the difference and had a good instructor teach them. I always look for a follow-up phone call, note or email thanking me for taking the time to meet and have a discussion with them! If I don't either of those three, I have pretty much made up my mind. There is no need to beg for business as most individuals can get a good vibe or gut feeling after a visit or phone call. I have been in sales for over thirty-five years and to survive that long, it is more than just yourself! So I thank God every night for the opportunities he brings my way and the doors he opens! In addition, treat people with respect and let them know you care about them as a person, not just another number, sale or commission!