C2 Financial Corporation- Shawn Sidhu

C2 Financial Corporation- Shawn Sidhu Mortgage Broker in CA, CO, OR & WA

C2 Financial is the nation's largest mortgage broker.

Shawn Sidhu’s passion for real estate was born at an early age when he began working for a small mortgage brokerage firm owned by his father in Union City. This experience not only helped him learn the ropes, but also helped him discover what he wanted to do with the rest of his life: help home buyers and homeowners throughout California to live out their dreams in comfort and security. If you are

currently in the process of buying a home, or you are thinking about refinancing, Shawn is excited to help you. Text or give him a call at (408) 610-8011

This licensee is performing acts for which a real estate license or consumer loan license is required. C2 Financial Corporation is licensed by the California Bureau of Real Estate, Broker # 01821025; Colorado Division of Real Estate; Oregon Division of Finance, DFI # ML-4917; Washington Office Department of Financial Institutions, DFI # CL-135622; NMLS # 135622.

Although there are a huge range of different mortgage types, the most common is the 30-year fixed-rate mortgage. This me...
09/06/2022

Although there are a huge range of different mortgage types, the most common is the 30-year fixed-rate mortgage. This means that you would have 30 years to pay off the loan, usually in the form of monthly payments, with an interest rate that doesn't change over the lifespan of the mortgage. Your mortgage payments will always be the same each month and you don't need to worry about overall interest rates rising.

C2 Financial Corporation, Shawn Sidhu Cal BRE #1512335 (408) 610-8011

When you take out a mortgage, you do own your home - congratulations! However, there are some parties that have some rig...
09/02/2022

When you take out a mortgage, you do own your home - congratulations! However, there are some parties that have some rights to your home until your mortgage is fully paid off. If you stop making your mortgage payments, for example, your home may be seized by the mortgage lender and sold to make back the money they lent you. There isn't any need to worry, however, as your home will be perfectly safe as long as you take care of it and keep up with your mortgage payments.

C2 Financial Corporation, Shawn Sidhu Cal BRE #1512335 (408) 610-8011

Making small, important changes to your credit can help it build slowly over time. Building your credit can be frustrati...
09/01/2022

Making small, important changes to your credit can help it build slowly over time. Building your credit can be frustrating, as it does require financial responsibility over a longer period of time, but by being aware of your score and the factors that are influencing it, you can set yourself up for long-term financial success and eventually, home ownership.

C2 Financial Corporation, Shawn Sidhu Cal BRE #1512335 (408) 610-8011

You may hear people talking a lot about credit scores, but what exactly does that mean and why is it important for takin...
08/30/2022

You may hear people talking a lot about credit scores, but what exactly does that mean and why is it important for taking out a mortgage? Essentially, credit scores are the numerical representation of your financial situation. How much debt you have, whether you responsibly make payments and how you manage your credit accounts all play a part in your credit score. When it comes time to apply for your mortgage, your credit score will be a huge factor so make sure you know where you stand.

C2 Financial Corporation, Shawn Sidhu Cal BRE #1512335 (408) 610-8011KORB

Real estate is a big factor in net worth. Even with a mortgage, owning a home can still contribute to net worth. Accordi...
08/29/2022

Real estate is a big factor in net worth. Even with a mortgage, owning a home can still contribute to net worth. According to data from the Federal reserve, the average homeowner has a net worth 2.8 times the net worth of the typical person who doesn't own a home. https://bit.ly/3AW4aS6

C2 Financial Corporation, Shawn Sidhu Cal BRE #1512335 (408) 610-8011

In the lead-up to applying for your mortgage, you’re going to want to make sure that all of your ducks are lined up to m...
08/26/2022

In the lead-up to applying for your mortgage, you’re going to want to make sure that all of your ducks are lined up to make the process go as smoothly as possible. Keep all important financial paperwork readily available, even if you think you don’t need it. Lenders can request specific pieces of information so compile all of your paperwork together and keep it somewhere that is easily accessible.

C2 Financial Corporation, Shawn Sidhu Cal BRE #1512335 (408) 610-8011

Once you receive your pre-qualification figure from your lender, you can begin looking into various mortgage programs th...
08/24/2022

Once you receive your pre-qualification figure from your lender, you can begin looking into various mortgage programs that may be available to you, based on your current circumstances. During this process, your lender will be your best friend as they will help guide you through your application. Make sure to provide all requested information in a timely fashion so you can quickly and easily receive your mortgage pre-approval.

C2 Financial Corporation, Shawn Sidhu Cal BRE #1512335 (408) 610-8011

When it comes to taking out a mortgage, there are a few key factors that lenders will take into account before approving...
08/23/2022

When it comes to taking out a mortgage, there are a few key factors that lenders will take into account before approving you. Mainly, your current financial situation and the amount you’re regularly spending on your outgoings. If you’re in a good financial position, including credit score, current debt, income, outgoings, and haven’t made any recent large purchases, you’re more than likely to be approved for a great mortgage so you can buy your dream home.

C2 Financial Corporation, Shawn Sidhu Cal BRE #1512335 (408) 610-8011

Before starting to apply for a mortgage, it’s important to understand how much you can actually afford to repay. Start b...
08/22/2022

Before starting to apply for a mortgage, it’s important to understand how much you can actually afford to repay. Start by carefully reviewing your finances, including your incomings and your current budget to figure out what you’re going to be able to pay. From there, you can use a mortgage calculator to help you figure out the home value you’re able to take on, then you can start applying for your mortgage.

C2 Financial Corporation, Shawn Sidhu Cal BRE #1512335 (408) 610-8011KORB

A good credit score is crucial for both your personal finances and your ability to become a homeowner. Yet many home buy...
08/19/2022

A good credit score is crucial for both your personal finances and your ability to become a homeowner. Yet many home buyers begin their journey without fully understanding their credit score and how it impacts their mortgage eligibility. Here are 10 Tips to increase your mortgage FICO score:
1. Get your free credit score
2. Dispute any errors
3. Make on-time payments
4. Pay down debt
5. Become an authorized user
6. Consider a rapid rescore
7. Never carry a credit card balance
8. Improve your debt-to-income ratio
9. Avoid closing open bank and credit accounts
10. Don’t open new credit cards or loans.
Being proactive early on in your home buying process may result in getting both the mortgage loan and home you want at a price you can afford.

C2 Financial Corporation, Shawn Sidhu Cal BRE #1512335 (408) 610-8011

What Is a Down Payment? Let’s start with the basics. When you’re buying a house, you’re generally required to make a cas...
08/18/2022

What Is a Down Payment?
Let’s start with the basics. When you’re buying a house, you’re generally required to make a cash payment upfront. That’s called the down payment.
How much cash you put down is typically expressed as a percentage of the purchase price. For example, if you wanted to do the “standard” 20% down payment on a house that costs $450,000, you would pay $90,000 toward the cost of your home while financing the remainder. Your down payment is made in addition to closing costs, such as escrow fees. Some homebuyers choose to finance those costs as well, but they’re another item to keep in mind when determining your housing budget.

C2 Financial Corporation, Shawn Sidhu Cal BRE #1512335 (408) 610-8011

Your first home purchase can be an exhilarating but rough adventure. It’s likely one of the biggest purchases you’ll mak...
08/17/2022

Your first home purchase can be an exhilarating but rough adventure. It’s likely one of the biggest purchases you’ll make. Budgeting correctly is important to maintain some of your savings and not overexpose yourself. Here are some tips on what to leave room for in your budget.
Down Payment: The lowest down payment you can offer for a conventional mortgage is 3%, although most lenders require at least 5% of the purchase price.
Closing Costs: Consider closing costs, which are additional fees you’ll pay on top of your down payment at the closing table
Moving Costs: If you’re planning on hiring movers, you can expect to pay an average of $2,000 if your move is less than 100 miles or up to around $5,000 or more if your trip is longer.
Ongoing Expenses: You’ll need to pay for utilities and property upkeep. It’s wise to budget ahead for electricity, water, natural gas, and oil so that there are no surprises
C2 Financial Corporation, Shawn Sidhu Cal BRE #1512335 (408) 610-8011

Address

99 Almaden Boulevard Ste. 600
San Jose, CA
95113

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm
Saturday 10am - 8pm
Sunday 10am - 8pm

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