Pre-Approval vs. Pre-Qualification

What's the difference between the two, and why does it matter?

The Mortgage Loan Process

So you've found the perfect home and you want to make an offer...what's next? Here's a step by step overview of what will happen during the loan process from application to closing.

Debt To Income

One of the most important ratios in mortgage qualification: Debt to Income. Understanding what goes into this ratio can help you understand how to qualify for a mortgage.​

Discount Points

If you have ever gone shopping for quotes on a mortgage in order to find out just what a mortgage might cost you, you have probably had the term "points" thrown at you. So what are points?

Your Closing Costs

Before you can decide just how much house you can afford to purchase, you need to look at an overall summary of mortgage fees so that you will have a clear understanding of all the expenses involved. Many factors can impact the total amount of money you need to borrow, as well as the final out-of-pocket requirement for your monthly payment.

How To Understand Your Home Appraisal

A home appraisal is an estimate of your home's value.  It's simply a professional appraiser's opinion of what he or she thinks your home may be worth.

How To Improve Your Credit Score

Learn about what affects your credit score, and how to improve it, so you pay less for your interest rate.

More Great Resources Coming Soon!

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1003 Bishop Street Ste. 2700

Pauahi Tower

Honolulu, HI 96813

NMLS #1336741

Branch NMLS #1244222​

C2 Corporate site:

Tel: 808-389-1138

© 2014 C2 Hawaii 

All Rights Reserved

C2 Financial Corporation is licensed by the 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 the borrower. A loan is only approved when a Lender has issued an approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rates 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 Hawaii.

C2 Financial Corporation is approved to originate VA and FHA loans and has the ability to broker such loans to VA and FHA approved lenders.C2 Financial Corporation is not acting on behalf of or at the direction of HUD/FHA or the VA.