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(408) 615-8500 Branch Address: 1930 Camden Avenue, Suite 1B San Jose, CA 95124 elva@elvawormley.com Fax #: (408) 519-5983 |
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C2 NMLS #135622 |
C2 CA DRE #01821025 |
C2 MD #135622 |
NMLS #331981
| CA DRE #1274093
| MD #331981
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I have been in the mortgage industry since 1981. I enjoy sharing the knowledge I have gained over the years and being able to see many happy satisfied clients. It has been such a joy! As your personal Mortgage Consultant for Life, I am 100% committed to understanding your needs, goals and priorities, providing you with options, so you can make informed decisions, and delivering World-Class service. My mission is to ensure a smooth, understandable and positive experience during and after the loan process. I want you to be so satisfied with my services you feel compelled to refer your friends and family to me, not by obligation, but because you truly believe they will benefit. Call me today: (408) 615-8500
It's quite simple. As one of the largest brokers in the nation, C2 Financial Corporation offers MORE OPTIONS to solve your financing challenges.
Non-Prime Mortgage Program
• 1 day out of foreclosure, short sale, bankruptcy
• Loans up to $1 million
• Credit scores down to 500
• Up to 85% Loan-to-Value
• Debt-to-Income ratios up to 50% considered
• Owner-occupied, 2nd homes, and investment properties
• Non-warrantable condos considered
• Jumbo loans down to 500 score
• No pre-payment penalty for owner-occupied and 2nd homes
• No active trade-lines OK with housing history
• SFRs, townhomes, condos, 2-4 units
• Seller concessions to 6% (2% for investment)
Bank Statement Program
• No tax returns required
• 12 month bank statements
• 24 months personal bank statements (Personal and Business)
• Loans up to $3 million
• Credit scores down to 620
• Up to 90% Loan-to-Value
• Debt-to-Income ratios up to 50% considered
• Owner-occupied, 2nd homes, and investment properties
• 2 years seasoning for foreclosure, short sale, bankruptcy
• Non-warrantable condos considered
• Jumbo loans down to 660 score
• No pre-payment penalty for owner-occupied and 2nd homes
• SFRs, townhomes, condos, 2-4 units
• Seller concessions to 6% (2% for investment)
• 2 year self-employed required
Foreign National Program
• No US credit required
• Up to 75% Loan-to-Value
• Fewer country restrictions
• Debt-to-Income ratios up to 50% considered
• Second homes and investment properties
• SFRs, townhomes, condos, 2-4 units
• No SSN or ITIN required
• 12 months reserves required
• Non-warrantable condos considered
• Loans up to $750,000 (minimum $75,000)
• Seller concessions to 2%
Investor Cash Flow Program
• No personal income used to qualify
• Qualification based on property cash flow
• 2 years seasoning for foreclosure, short sale, bankruptcy
• Credit scores down to 660
• Up to 75% Loan-to-Value
• No Debt-to-Income restrictions
• Must have current mortgage
• 1-4 units and condos
• No limit on number of properties financed
• Loans up to $1 million
• Seller concessions to 2%
These are just a few of the loan programs we offer. Call us today (408) 615-8500 to see how we may be able to help you solve your financing challenges.
My ultimate goal is to create lasting relationships with each of my clients so that I may continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private. My name is trusted throughout the community. To speak directly with an experienced mortgage professional simply give me a call anytime. I look forward to working with you. Call today! (408) 615-8500
