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C2 Financial Corporation

Loan Programs Overview

The following is an overview of the loan programs offered by C2 Financial Corporation.
Click o the program name on the left sidebar for a brief overview, then the learn more button for even more details.



As a mortgage broker, we work with many lenders, and take pride in our ability to personalize a mortgage loan for you. The list here is by no means everything we have to offer, nor does it include all of the fine details of the loan guidelines and requirements.  Its just meant to give you a solid overview of your depth of loan products.

As a Sr. Loan Officer, my job is to work with you to understand your objectives and financial profile to deliver a customized mortgage loan for you. I encourage you to take some time to review these programs and ask me as many questions as you like.

When you are ready please use our convenient  contact us form to send me a quick email, or better yet give me a quick call at 407-383-2350.

Thank you for taking the time to review our loan programs overview. I look forward to helping you get the home of your dreams.


These materials are not from HUD or FHA and were not approved by HUD or a government agency.

First Time Homebuyer

As a mortgage broker offer a variety of first time homebuyer programs and can personalize a solution for you.  Even with a lower credit score or limited savings, we can often find a solution that works for you. First time homebuyer programs are designed to help you get your piece of the American dream and providing assistance in three key areas: 

1) Down Payment 
2) Closing Costs
3) Reduced Interest Rate. 

Click to Learn More > 1st Time Homebuyer Programs

Florida Hometown Heroes

Calling all Police, Firefighters, Teachers, Medical Professionals, Social Workers, Veterans... and more!

The State of Florida honors you and so do we by offering this affordable housing program to our community hometown hero's and first responders.  This program delivers on affordability and the dream of home ownership by providing you :

1) Down Payment Assistance
2) Lower Interest Rate
3) Lower Closing Costs

Click to Learn More > Florida Hometown Heroes

USDA Loans

USDA loans are insured by the US Department of Agriculture to provide 100% financing for rural properties.  In some cases, you can even finance in your closing costs. 

The property must be located in an area that is not considered a major metropolitan area by the USDA.

If you want to live in a rural area, and have limited funds for down payment and/or closing costs, this could be the perfect solution for you.

Click to Learn More > USDA Loans

Conventional Mortgages

A popular loan type, conventional fixed rate loans feature a constant interest rate for the life of the life. Generally speaking, monthly payments remain constant. Traditionally borrowers are expected to provide a 20 percent down payment though this is not necessarily required. Contact us for details on down payment requirements. Available terms generally range from 10 years, 15 years and 30 years. 

Adjustable rate mortgages, known as ARM's, are also available on conventional loans. This means that your interest rates are fixed for a pre-defined period and then adjust generally annually after the fixed period ends. 

Click to Learn More > Conventional Loans

FHA Mortgage Loans

FHA loans are private loans insured by the federal government. These loans are popular with borrowers who don’t have enough funds to pay a traditional 20 percent down payment because they only require 3 percent down to qualify. Those who choose these loans are required to pay mortgage insurance which slightly increases their monthly payments. Lenders who wish to offer these loans must be approved by the Department of Housing and Urban Development. Please contact us today to find out if a FHA loan is right for you.

Click to learn more > FHA Mortgages

VA Mortgage Loans

Like a FHA loan, VA loans are private loans insured by the federal government. VA loans are only available to qualified military veterans and their families. These loans are only available to these individuals for their own primary residences and cannot exceed a $726,200 loan limit in most Florida counties, with a few high cost areas that have an increased loan limit of $874,000 for conforming 2023 loan limits.

VA loans that exceed these limits are called VA Jumbo Loans. These jumbo loans have higher requirements when it comes to credit, savings, income and debts. 

VA loans can offer 100% financing, with no down payment required, providing you have full VA loan entitlement. 

Click to Learn More > VA Loans

Refinance Mortgage Loans

Homeowners looking to reduce their monthly expenses by consolidating debt, access equity for home repairs or other purposes, eliminate mortgage insurance or a host of other reasons may consider refinancing.  Those funds are then used to pay off the original mortgage loan and the homeowner is then bound by the terms of the new mortgage.

Depending on your situation a refinance loan could be a great option. Along with reducing your overall monthly debt payment, or turning equity into cash, refinancing loans can also help you reduce or extend your loan term. 

There is a lot take into consideration with a refinance.  Please feel free to reach out to me so we can review your current situation and discuss how a refinance can help you accomplish your objectives.


Click to Learn More > Refinance

Interest Rate Buydowns

3/1, 2/1 and 1/1 Options!

This is a great way to get lower payment during the first 12-36 months of your loan. A 3/1 buydown means your interest rate will be 3% lower the first year, 2% lower the second year, 1% lower the 3rd year with the 4th year leveling off to the actual note rate. As you can imagine, the 2/1 and 1/1 works similarly, except the reduction period is only 2 or 1 year.

Its a great way to get a lower payment during the first year so you can afford to decorate, landscape or just ease into a higher payment as your income increases. 

Click to Learn More > Interest Rate Buydowns

Jumbo Loans

A jumbo loan, or non-conforming loan, usually means any home loan for amounts higher than $417,000. Jumbo loans feature similar loan programs to fixed rate and adjustable rate programs. There are even FHA jumbo loans. The main difference between jumbo loans and conforming loans is the interest rate. Because jumbo loans are riskier for lenders they usually have higher rates. Learn more about jumbo loans by contacting us today.

Foreign National Loans

Foreign National loans are for non US Citizens who wish to purchase property in the United States. 

The guidelines for Foreign National loans are different than conventional, conforming or other federally insured loan programs. That being said, we offer competitive programs to meet your needs.

Click to Learn More > Foreign National Loans

Non-QM Loans

Many homebuyers do not have standard or consistent forms of income that is typically required by mortgage lenders. While they may not be able to qualify for conventional loans for various reasons, these buyers may still have enough income or assets to afford home ownership. In these situations, a non-qualified mortgage (non-QM) may be the perfect solution.

Non-QM loans can help self-employed borrowers, borrowers with considerable assets, real estate investors, foreign buyers and people with blemished credit histories. 

Click to Learn More > Non-QM Loans

Construction Loans

Construction loans are used to finance the construction of a new structure. Whether you’re interested in building a brand new home for you and your family or you’re looking to construct a commercial property we can help craft a terrific lending solution. Each loan is as unique as the property you’re looking to construct. We look forward to your questions about construction loans. Please call us to find out more.

Adjustable Rate Mortgages (ARM)

Adjustable rate mortgages are loans where the interest rate is recalculated on a yearly basis depending on market values. As interest rates are adjusted so is the borrower’s monthly payment. While interest rates on ARM loans are generally lower than fixed rate loans they can eventually become higher. Various types of ARM loans include Hybrid ARMs such as 10/1 year, 7/1 year, 5/1 year and 3/1 year programs. Contact us for more information on adjustable rate mortgage loans.