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  • "How much do I need for my down payment?""
    While many believe a 20% down payment is required, it’s far from the only option. See our down payment guide below to have an idea of how much you may need to save. Click the option that best fits your scenario.
  • I'm a veteran or active military member
    0% The VA and the USDA both offer a zero down loan program for individuals and/or properties that meet their criteria. Sometimes, loans require little or no cash out of pocket. Some HUD properties are available with as little as $100 down.
  • I'm a first time home buyer
    3% - 3.5% Fannie Mae / Freddie Mac conventional loans are available with down payments as low as 3% for credit qualifying first time home buyers. ​ The FHA loan program allows as little as 3.5% down, and it is more lenient than most other programs on minimum credit scores.
  • I'm looking to buy my next home to live in (I've owned a home in the past 3 years)
    3.5% - 5% The FHA loan program allows as little as 3.5% down, you do not need to be a first time home buyer. ​ Fannie Mae / Freddie Mac conventional loans are available with down payments as low as 5%. The minimum changes based on property type, credit score, occupancy, etc.
  • I'm looking to buy a 2nd home
    10% A second home is a residence that you intend to occupy in addition to a primary residence for part of the year. (Example: A vacation home, a property in a city where you frequently conduct business, etc.) The minimum down payment requirement for 2nd homes is 10%.
  • I'm looking to buy an investment property
    15% - 25% Fannie Mae / Freddie Mac conventional investment loans are available with a minimum 15% down payment for a 1 unit rental property. 2-4 unit properties typically require a 25% down payment.
  • Closing Costs!
    2% - 3.5% Closing costs are items paid at closing for the parties involved in a real estate transaction. This includes prepaid interest and taxes/insurance to set up your escrow impound account.
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Tatyana Sapp - NMLS# 2147172 - DRE# 01958330 | Brian Sapp - NMLS# 295420 - DRE# 01170429

C2 Financial Corporation - NMLS# 135622 DRE# 01821025

www.c2financialcorp.comwww.nmlsconsumeraccess.org

​This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Department of Real Estate, Broker # 01821025; NMLS# 135622. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender. The services referred to herein are not available to persons located outside the state of California.

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C2 Financial Corporation has the ability to broker VA loans based on their relationship with VA approved lenders. C2 Financial Corporation is not acting on behalf of or at the direction of HUD/FHA or the VA.

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