Address: 2950 Buskirk Ave Suite 300, Walnut Creek, CA 94597, USA
Phone: +19254295226
Sunday: Closed
Monday: 8AM–6PM
Tuesday: 8AM–6PM
Wednesday: 8AM–6PM
Thursday: 8AM–6PM
Friday: 8AM–6PM
Saturday: Closed
Marcia Grant
I worked with Chris Hudson in 2009 to refinance my home and had a great experience. This year, I wanted to take advantage of the low interest rates. While I belong to both a bank and a credit union, I knew that I wanted Chris to manage this refinance. Chris offered the same level of professionalism, knowledge and guidance as before. Moreover, he provided several videos, customized for my transaction, as well as a few other videos with darned good information about the lending process. As an educator, I appreciated the opportunity to become a more informed homeowner and consumer. In addition, the user-friendly digital tools that Chris made available for document submissions and obtaining signatures were super-convenient for my travels and busy schedule. However, what I appreciated most about Chris’s stellar service was his attentiveness; his prompt responses to my questions and his willingness to keep me informed, secured my trust in his abilities. I am pleased to share that we completed a cash-out refi this month and that the process proved simple and straightforward. I will definitely use Chris for future mortgage transactions and I recommend making him your mortgage professional!
F Avalos
Working with Chris was amazing! When I started thinking to buy a house I meet a couple of brokers but I got the feeling they were so aggressive and I did not wanted to share my personal information with everybody. Then I was very lucky to meet Chris, Chris was very respectful of my information, he just requested a few data and I was pre-approved. He guided me through all the process, when something was not clear Chris helped me to understand what was happening. Making and offer for a house is hard, so Chris worked directly with my Agent and he told me the pros and cons, and make some recommendations on the decisions I had to take, the decisions were mine but it is better to make informed decisions. After we got the offer accepted Chris just did his magic and I got my keys, all I can say is thanks Chris for all your hard work to make this happen!
Justice Bolden
The moniker “Broker For Life” should be synonymous with Chris Hudson when it comes to purchasing a home or investment property in California. Rather you’re purchasing or refinancing, if you’re in California I highly recommend Chris. My wife and I were both first-time home buyers and mostly novice when entering the home buying process, but after meeting Chris we quickly realized we met a broker who truly understands how to break down the financial side of purchasing a home, investing in yourself, in our case investing in both our family’s future and real estate. Chris’ platform allowed for us to engage in the process via a touch-less environment where we rarely physically needed to be in-person with anyone. In fact, the only time we saw someone in-person for 15 or more minutes on the financial side, was when we met with the notary to sign the papers and close on our home. Chris a offers a service where all of the numbers associated with purchasing are presented in a clear and concise manner so that the buyer is educated throughout the process. We were able to take advantage of an incredible interest rate that Chris was able to obtain in a very transparent fashion. We always truly felt Chris was giving us the most accurate and up-to-date information. I would like to emphasize how much I enjoy talking to others about how memorable the experience was working with Chris.
Cali Wendler
It is such a good feeling to have someone like Chris in your corner. He is great to work with, very thorough, knowledgeable about the process and would take the time to walk us through different options. He always took the time to ask how our family was doing which made us feel valued. We have worked with Chris multiple times and have always been satisfied with the results. Whether you are a first time homebuyer or looking to refinance, we highly recommend consulting with Chris for your mortgage needs.
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No need to fear. Odd term amortization is here. All odd term amortization means is that you specify the amount of time you want to pay off the loan. So, for example, if you took out a 30-year mortgage seven years ago and didn't want to start with a new 30-year mortgage when you go to refinance, there are loans available that will allow you to specify the loan terms to be 23 years for example. Typically, loans are amortized over ten 15,20, 25, or 30 years. But with odd term amortization, you can pick a loan payoff period that is not one of those that I described earlier.
That depends on your circumstance. For example, you could be recovering from a period where your household had less income coming in, and that resulted in you having to put expenses on your credit card. Now that you're out of that situation, it may make sense to refinance for debt consolidation. Another scenario could be that you get a divorce, and as a part of the divorce decree, you're required to pay off your ex-spouse a settlement equal to their share of the home's equity. Or you could be experiencing a situation where you want to expand the footprint of your home by either adding bedroom, bathroom, or both. Monetizing the equity in your home via a refinance may be the way to go.
Think of a mortgage broker as a personal shopper. They gather information from you, such as job history, income, credit scores, etc. and use it to shop your scenario with various lenders they have relationships with. Currently, C2 Financial has relationships with over 100 different lenders. You're presented several options tailored for your situation after the mortgage broker is back from shopping.
While paperwork requirements can vary from one loan program to the next, the following is a standard set of documents you should always have available: --Two years of Federal tax returns --Two years of W2s --Pay stubs for the month recent 30 days --Banks for the most recent two months (all pages are needed) --Retirement accounts for the most recent quarter or last two months --Driver's License
No. There are programs available that allow you to put 10%, 5%, 3.5% and even 0% down. And you don't have to be a first-time homebuyer to take advantage of these programs.
I know that it can appear to be a daunting task to buy a home, especially in high cost areas like the San Francisco Bay Area. However, it's doable and has been done by people, such as yourself. To know how much you can afford, you must let a mortgage professional do a proper analysis of your financial situation to determine the monthly housing expense you can tolerate. The housing expense takes into account the principal, mortgage interest, property taxes, and hazard insurance.
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