When you call Michael, you can expect friendly, professional advice and clear explanations of all of our available mortgage products, including our ARMs, or Reverse Mortgage options. We will walk you through the advantages and risks associated with each loan option and provide the guidance you need to help you make the right decision.
When you work with C2 Financial Corporation, you’ll benefit from our flexible appointments, ongoing availability, and commitment to customer service and satisfaction. You will work with a dedicated professional who will thoroughly evaluate your financial circumstances to help you qualify for a loan that works within your budget. Our goal is to get you the most favorable rate available, all the while working to answer your questions and make the application process as smooth and simple as can be.
Although Michael Ritchie is licensed in Texas, through our partners with C2 Financial, we do business throughout these states: AZ, CA, CO, FL, HI, ID, KS, LA, MI, MS, MT, NE, NV, NM, OK, OH, OR, SC, SD, TN, TX, WA and WY! Contact us today so we can assist you in making your next smart financial decision!FHA | VA | USDA | HomePath | Jumbo | Commercial | Conventional
We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs and more:
We have loan and cash-out refinance programs that work well for investors and self-employed - asset based, DSCR, bank statement loans.
As a retirement mortgage specialist, Michael is particularly passionate about explaining the huge benefit a reverse mortgage can provide two groups of home owners over the age of 62. One group includes seniors that have significant equity in their home that they plan to live in for many years and need additional income. The other group includes seniors that also have significant equity in their home that they plan to live in for many years and have a moderately secure income for their remaining lives but would like to increase their planned withdrawal rates while more securely preserving legacy for their heirs. In fact, we believe it should be considered as early as possible in everyones' financial planning. We recommend exploring the Reverse Mortgage opportunities with your financial planner and CPA well before you reach retirement. Please call us for more information.
Reverse Mortgage, Bank statement, self-employed, first-time buyer, HELOC, dscr, fix and flip, down payment assistance, investor loans, hard money, non-QM.
Contact Michael Ritchie today to discuss your mortgage loan options, and find out which loan program will best suit your needs.
Michael Ritchie | Mortgage Loan Originator | NMLS ID #2377928
C2 Financial Corporation | NMLS ID #135622 | CA-DRE Lic #01821025 |
C2 Licenses – https://www.c2financialcorp.com/docs/C2-State-List.pdf
