Amber Jones - C2 Financial

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Amber Jones - C2 Financial

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Amber Jones is an Independent Mortgage Broker and Branch Manager at C2 Financial, licensed to originate home loans in CA, OR, NE and TX.

NMLS #322407 | CA DRE #01469517 | OR #322403 | NE #322407 | TX #322407 With over 22 years of experience, I’ve helped countless clients who thought they had run out of options discover new pathways to homeownership. My extensive experience in mortgage lending has equipped me with the tools and knowledge to navigate even the most complex scenarios, helping my clients achieve homeownership when they thought it was impossible. From unique loan programs to leveraging your equity wisely, I explore every avenue to provide the best possible outcome. Navigating the mortgage process can be overwhelming, but you don’t have to do it alone. My approach is rooted in transparency, education, and empowerment—giving you the knowledge you need to make informed decisions with confidence. My goal is to provide you with options, peace of mind, and the certainty that you have someone in your corner who will fight for your success. So, if you’re feeling stuck, uncertain, or ready to explore your options, let’s connect. Together, we’ll overcome obstacles, discover opportunities, and create a roadmap that makes your homeownership goals a reality. My promise is to leave no stone unturned in crafting a personalized game plan to help you achieve your goals. I take the time to understand your unique situation, explore every possible solution, and guide you through the process with clarity and confidence. My approach is simple: inform you of your possibilities, empower you with knowledge, and solve your challenges with solutions designed just for you. Together, we’ll turn obstacles into opportunities and make your homeownership dreams a reality!

09/21/2026

🏡 Mortgage Rate Update | Week of September 21

Mortgage rates continued moving higher last week, although they recovered somewhat after hitting their worst levels following the Fed meeting.

The Fed raised its short-term policy rate as expected, but remember: the Fed does not directly set 30-year fixed mortgage rates.

Markets had already anticipated the Fed's move. The bigger concern for mortgage rates was the possibility of additional rate hikes this year.

⚠️ This week could be volatile.

Oil prices are starting the week lower, which could provide some relief for mortgage rates. Markets are also watching developments in the Middle East, the Strait of Hormuz and headlines coming from the UN General Assembly.

If oil continues falling or there are signs of progress toward a deal with Iran, mortgage rates could benefit. Further escalation or another increase in oil prices could push rates higher.

For now, expect some day-to-day movement rather than a dramatic change in either direction.

I'll continue watching the markets and sharing what actually matters for mortgage rates.

09/19/2026

Sometimes a complicated loan doesn’t need a “no.” It needs a closer look. 🏡

These clients came to me after working with three other lenders who weren’t able to get their financing across the finish line.

And this definitely wasn’t a cookie-cutter loan:

✔️ Self-employed borrowers
✔️ Income qualified using a bank statement loan program
✔️ Rural property
✔️ Two manufactured homes on one lot
✔️ A few other challenges we had to work through along the way

There were plenty of reasons this loan could have stopped at “we can’t do it.”

Instead, we took the time to understand the full picture, find a loan program that fit their circumstances, and work through each challenge one at a time.

That’s one of the things I love most about being a mortgage broker. Not every borrower, property, or income situation fits neatly inside the standard lending box.

If you’ve been told no by a lender, that doesn’t necessarily mean the answer is no everywhere. Sometimes you just need someone willing to dig a little deeper and explore other options.

📩 Have a complicated scenario? Send me a message. I’m always happy to take a second look.

09/14/2026

Temporary or permanent mortgage buydown... which one is better? 🏡

The answer: it depends.

A temporary buydown can lower your payment for the first few years, while a permanent buydown lowers the actual interest rate for the life of that loan.

But here’s where the strategy comes in:

If a seller is willing to give you a credit, don’t automatically assume it should all go toward lowering the rate.

Depending on your situation, that credit could potentially be used toward:

• A temporary buydown
• A permanent buydown
• Other eligible closing costs
• Or a combination of strategies

And sometimes, negotiating a seller credit can have a bigger impact on your cash-to-close or monthly payment than simply asking for a lower purchase price.

Before you make an offer, compare the numbers.

I break down temporary vs. permanent buydowns, including how seller concessions work for Conventional, FHA and VA loans, in my latest blog post.

🔗 Read the full article through the link in the comments below.

Have a home you're considering? Send me a DM and I can help you compare the options using the actual purchase price and loan scenario.

08/10/2026

🏡 Mortgage Rate Update: Rates improved last week 👍

Mortgage rates moved lower after Friday’s jobs report showed a net loss of jobs. A weaker labor market makes it less likely that the Fed will need to raise its policy rate at next month’s meeting.

Could rates improve more this week? Possibly.

The biggest reports to watch are Wednesday’s CPI consumer inflation report and Thursday’s PPI wholesale inflation report. Both are expected to show that inflation cooled slightly in July.

If inflation comes in lower or close to expectations, that could help mortgage rates. Higher-than-expected inflation could push rates back up.

Oil prices are another wildcard. Continued increases could add to inflation concerns, while progress toward reopening the Strait of Hormuz could help oil prices fall and potentially benefit mortgage rates.

👉 If you’ve been waiting for rates to come down before buying or refinancing, remember that you don’t have to guess where rates are going next.

We can run the numbers based on today’s market, identify the rate or payment that would make sense for you, and then watch for that opportunity.

Send me a message if you’d like to know what the numbers look like for your situation.

08/01/2026

𝗪𝗮𝗶𝘁𝗶𝗻𝗴 𝗵𝗮𝘀 𝗮 𝗰𝗼𝘀𝘁.

Many people are waiting for mortgage rates to fall before making a move.

But after this week's Federal Reserve meeting, it's becoming more likely that meaningful rate improvements will take time.

The better question isn't:

"𝗪𝗶𝗹𝗹 𝗿𝗮𝘁𝗲𝘀 𝗴𝗼 𝗹𝗼𝘄𝗲𝗿?"

It's:

"𝗪𝗶𝗹𝗹 𝘄𝗮𝗶𝘁𝗶𝗻𝗴 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 𝗺𝘆 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘀𝗶𝘁𝘂𝗮𝘁𝗶𝗼𝗻?"

For buyers, waiting could mean missing the right home or paying more later.

For homeowners carrying high-interest debt, waiting could mean paying more interest while credit card balances continue to grow.

Every situation is different.

That's why I don't believe in giving blanket advice.

I believe in helping people make the best decision for their goals.

If you've been sitting on the fence, let's build a plan together.

📅 Reach out to schedule a complimentary Mortgage Strategy Review.

07/28/2026

🏡 Weekly Mortgage Rate Update | Week of July 27, 2026

Last Week
Mortgage rates moved higher and reached their highest levels of the year for many lenders. Rising oil prices and speculation that the Federal Reserve could increase its policy rate pushed mortgage rates upward.

This Week
There are early signs that rates could improve after oil prices declined as military strikes in the Middle East paused. However, this could be another volatile week.

The biggest event is Wednesday's Federal Reserve meeting.

Markets are currently expecting the Fed to keep its policy rate unchanged, but investors will be focused on what Fed Chair Kevin Warsh says during his press conference. His comments could influence mortgage rates even if the Fed doesn't make any changes.

If you're planning to buy a home or refinance, don't assume today's rates will still be available tomorrow. Market conditions can change quickly.

If you'd like to discuss your options or see what today's rates look like for your situation, let's connect.

07/04/2026

🎇 Fireworks. BBQ. Family. And maybe... housing?

One thing I've learned over the years is that holiday weekends often spark conversations about the future. Buying a first home. Moving closer to family. Renovating. Using home equity. Wondering if now is the right time to make a change.

If someone in your circle brings up housing this weekend, I'd be grateful if you kept me in mind. I'm always happy to be a resource, even if they're just looking for honest answers and aren't ready to make a move yet.

Have a safe and wonderful Fourth of July! I hope your weekend is filled with good food, great company, and memories with the people who matter most. 🇺🇸

06/29/2026

🏡 Weekly Mortgage Rate Update | June 29, 2026

Last Week: Mortgage rates improved slightly after recovering from early-week increases. Falling oil prices helped offset concerns after inflation posted its largest annual increase in three years.

This Week: Expect volatility.

A full slate of employment reports Tuesday through Thursday could have a meaningful impact on mortgage rates. Stronger-than-expected labor data may increase expectations that the Federal Reserve will raise policy rates later this summer, which could put upward pressure on mortgage rates.

What to watch this week:
• Holiday-shortened week with markets closing early Thursday and closed Friday.
• Three days of labor market reports could create larger day-to-day rate swings.
• Markets will be watching for clues about the Fed's next move.

If you're planning to buy a home or refinance, understanding what's driving rates can help you make better decisions instead of reacting to headlines.

Questions about your buying power or current mortgage options? I'm always happy to help.

06/15/2026

Mortgage rates moved lower last week, which is encouraging for buyers and homeowners who have been waiting for some relief.

Rates improved after reports that a peace deal with Iran was close. Now that an agreement is in place and the Strait of Hormuz is expected to reopen, oil prices have fallen. Lower oil prices can help ease inflation concerns, which may help mortgage rates improve over the coming weeks.

The biggest event to watch this week is Wednesday’s Fed meeting and press conference. That could create some short-term volatility as markets listen for clues about future Fed policy.

Also, Friday is Juneteenth, so markets and many mortgage companies will be closed.

If you’ve been waiting to buy or refinance, this may be a good week to review your options and see how the recent improvement impacts your payment.

06/06/2026

🏡 Want to buy a home, but not sure if you're ready?

One of the biggest myths in homeownership is that you need perfect credit, 20% down, and your forever home all figured out before you can get started.

The reality?

Many buyers are much closer than they think.

That's why I'm hosting a FREE Homebuyer Readiness Workshop to help you identify the gaps between where you are today and your next step toward homeownership.

During this live webinar, we'll discuss:

✔ Understanding your true mortgage credit score
✔ Creating a realistic homebuying budget
✔ Exploring down payment and funding options
✔ Identifying the gap between your dream home and your next smart move

My goal is simple: help you gain clarity and create a plan.

Whether you're hoping to buy in the next few months or next few years, you'll walk away with practical action steps and a better understanding of your options.

📅 Thursday, June 18, 2026
🕡 6:30 PM – 7:30 PM PST
💻 Live Online Webinar
🎁 Free Homebuyer Readiness Workbook Included

Register here:
👉 loansbyamberjones.com/getready

Feel free to share this with a friend, family member, coworker, or anyone who has talked about buying a home but doesn't know where to begin.

Address

10601 Walker Street, Suite 170
Cypress, CA
90630

Telephone

+17147618187

Website

http://www.loansbyamberjones.com/

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