Scott Jang of C2 Financial NMLS #135622

09/03/2025

5.0 star review received on Experience.com for Scott Jang by Ashley L - Scott went above and beyond helping us with our home loan. Being first time home buyers, we were completely clueless on the entire process. Scott took his time and explained everything that we had concerns or questions about. He responded promptly and was very friendly and personable. I would highly recommend working with Scott with your next home loan!

Click to see all 8 reviews of Scott Jang, Mortgage Broker

07/15/2025

5.0 star review received on Experience.com for Scott Jang by Ronna J - I cannot begin to describe how wonderful it was working with Scott for our loan process for a new home. He was so accessible, amazing communication and really tailored things to meet our needs. I would highly recommend Scott to anyone in need of a mortgage!

Click to see all 6 reviews of Scott Jang, Mortgage Broker

06/13/2025

Dreaming of homeownership but worried about the down payment? 🏡✨ With UWM’s 1% Down Program, your dream is closer than ever! You put down just 1%—UWM covers the rest up to 3%. That means more keys in more hands, sooner than you think! 🔑

Ready to make your move? Message us to see if you qualify and start your journey to home sweet home today! 🚀

04/21/2025

This is your sign….

By this time next year you could be unpacking boxes in your new home 🏡

What you do with the next 36 weeks of 2025 matters.
One small habit → one major move.

Whether your goal is to own, upgrade, or just feel more financially secure — it starts with a plan.

💬 Comment the word PLAN and I’ll walk you through a free strategy session to help align your savings + mortgage goals. No pressure, just clarity

03/28/2025

Getting pre-approved is like online dating… Everything looks perfect until you see the fine print

💳💔 Who else had their heart broken by interest rates? Drop a “💰“ in the comments if you can relate!

03/26/2025

Follow these RULES ⬇️

1️⃣ The 28% Rule: Just because you can get approved for more doesn’t mean you should. Keep your mortgage payment under 28% of your gross income to stay financially secure.

2️⃣ Skip the Big Banks: You want to work with a local lender that specializes in mortgages in your area.

3️⃣ Emergency Fund Ready? Aim for 3-6 months of living expenses in a high-yield savings account before taking the plunge into homeownership.

4️⃣ 1% Maintenance Rule: Owning a home comes with expenses! Budget at least 1% of the home’s value annually for maintenance and repairs. (That’s $4K/year for a $400K home!)

5️⃣ Plan for the Long Haul: Ideally, you’ll stay in your home for at least 5 years. This gives you time to build equity and avoid losses from short-term market fluctuations.

6️⃣ Mortgage Shopping Window: You’ve got a 14-45 day window to shop around for rates without multiple hard inquiries affecting your credit. Get at least 3 quotes—negotiation is key!

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03/25/2025

It’s not magic—it’s preparation! Here’s how you can speed up the process and get that golden “You’re pre-approved!”email in less time than it takes to binge a Netflix series 👇

-> Step 1: Gather Your Docs
Lenders love paperwork, so have these ready:
✔️ Last 2 pay stubs
✔️ Last 2 years of tax returns (if self-employed)
✔️ Bank statements (proof of down payment funds)
✔️ ID & Social Security Number (to pull credit)

Example: If you’re eyeing a home and think, “I’ll get pre-approved later,” don’t wait! That dream home could be gone before your paperwork is in.

-> Step 2: Know Your Credit Score
Most lenders require 620+ for a conventional loan, but the higher, the better! A 740+ score can help you lock in a lower interest rate.

Pro tip: Check your credit report for errors before applying. A small fix could save you thousands over time!

-> Step 3: Avoid Major Financial Moves
🚫 No new car loans 🚫 No big credit card splurges 🚫 No job changes

Lenders want stability—keep your finances steady until that approval is locked in!

-> Step 4: Work With the Right Mortgage Pro
I can turn around approvals in 24 hours or less—but only if you’re ready! Work with someone who knows today’s market and can get you the best deal.

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PreApproved

03/22/2025

Success isn’t just flexing the lifestyle—it’s actually OWNING it. Renting keeps you in the cycle, but homeownership builds wealth. The first step? Pre-approval. Let’s get you there!

📩 DM me “READY” and let’s make homeownership happen!

03/21/2025

🏡 You found THE perfect home… but there’s a plot twist!

You’ve got two choices—but which one do you pick?

🅰️ $150K off the price but with a 7.5% interest rate
🅱️ Full price but a 4.5% interest rate

Are you team “Save now, pay more later” or “Lock in a lower rate”? 🤔💭

Which one feels like the better deal for you? 👇

03/20/2025

🌷 Spring is finally here! And just like the flowers are blooming, so are new opportunities to make smart financial moves when it comes to homeownership.

Why is spring the BEST time to get ahead with your mortgage?

✅ Better Loan Options – Lenders roll out competitive programs in the spring, giving you more choices to fit your budget

✅ Tax Refund Season – Put that refund to work as a down payment or towards closing costs!

✅ More Listings Coming Soon – Spring brings more homes to the market, and being pre-approved NOW means you can act fast when the right one hits

✅ Rate Watch – Mortgage rates are constantly shifting. Locking in at the right time can save you thousands over the life of your loan!

Whether you’re thinking of buying, refinancing, or just exploring your options, NOW is the time to set yourself up for success! 🌱🏡

Drop a 🌷 in the comments if you’re ready to make the most of this season, and let’s get started!

03/19/2025

Did you hear the news? Refinancing is up 33%! 📈 But the real question is… should YOU refinance? 🤔

With interest rates shifting and homeowners looking for ways to save, refinancing is making a comeback. But before you jump in, ask yourself:

✅ Can I lower my rate enough to make it worth it?
✅ Will this lower my monthly payment or shorten my loan term?
✅ Am I planning to stay in my home long enough to break even on the costs?

One of my clients was hesitant about doing refi. So we crunched the numbers. By refinancing, he dropped his interest rate, saved $300 a month, and shaved 5 years off his loan. That’s $18,000 saved in just five years! 🏡💰

But remember…Not every refi makes sense—but when it does, it’s a game-changer. Want to see if it makes sense for you? Drop a “REFI” in the comments, and let’s chat! 👇💬

03/18/2025