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    • Adjustable Rate Mortgage
    • Interest Rate Buydowns
    • Conventional
    • FHA
    • VA
    • Non QM
    • HELOC
  • Mortgage Planning
    • First Time Homebuyer
    • Lower Mortgage Payment
    • Get Cash From Your Equity
    • Home Improvement
    • Buy Your Next Home
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First-Time Homebuyers, Welcome!

Ready to Embark on an Exciting Journey Towards Homeownership?

For most Americans, purchasing a first home is one of the biggest financial decisions they will make. My team is here to guide you through the process, ensuring that you have the knowledge and resources needed to make sound and informed decisions. 


Navigating the realms of real estate and mortgage can be overwhelming, especially for someone that has never purchased a home before. That's where my expertise comes in. I will help demystify the process, explain the loan programs, down payments, and closing costs in clear and concise terms. My goal is to empower you with the necessary knowledge to make you confident in your homebuying choices.  

Are You a First-Time Homebuyer?

A First-Time Homebuyer is defined as someone who has not owned and occluded their own home in the last 3 years. 


That means if you owned your home but sold it 3 or more years ago, you are right back to being considered a First-Time Homebuyer!

First-Time Homebuyer Assistance

Eligible First-Time Homebuyers may qualify for down payment or closing cost assistance, in the form of either loan or grant. These programs are established to assist homeownership accessibility and encourage long-term occupancy of the home. 

Copyright © 2023 Jonathan Toth, Mortgage Loan Officer - All Rights Reserved

LO NMLS# 2401903 | CA DRE# 02179024

C2 Financial Corporation

C2 NMLS# 135622 | CA DRE#0181025

 http://www.nmlsconsumeraccess.org/ 

 This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Department of Real Estate, Broker # 01821025; NMLS# 135622. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender. The services referred to herein are not available to persons located outside the state of California. 

C2 Financial Corporation has the ability to broker VA loans based on their relationship with VA approved lenders. C2 Financial Corporation is not acting on behalf of or at the direction of HUD/FHA or the VA.

Welcome!

Welcome to my page, friend. Take a look around and explore the different products and programs that my expert team can assist you with. 

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