Low Rates.
No Hassle.
Find out how Dennis can help make
qualifying for a low rate mortgage easy
I'm Dennis DeSchaine and I'm Here to Help
You've probably heard the horror stories—qualifying for a mortgage feels impossible, the paperwork is overwhelming, and the process is riddled with delays and frustration. But here's the good news: it doesn’t have to be that way.
My mission is to make your mortgage experience as smooth and stress-free as possible. Don’t just take my word for it—check out the reviews from people just like you who’ve worked with me and discovered how simple and straightforward the process can be.
Whether you're buying your dream home, refinancing for a better rate, or tapping into your home’s equity, I’m here to guide you every step of the way.
I look forward to hearing from you.
Getting a Mortgage Can Be Easy
HERE'S WHAT OTHER PEOPLE SAY ABOUT WORKING WITH ME
Have questions about the mortgage process?
Let's have a conversation
All consultations are NO CHARGE and NO OBLIGATION.
Outstanding Communication and Follow-up
We communicate proactively and promptly to keep you
informed about your loan.
Professional Support
We'll guide you through the mortgage process, helping you
avoid common mistakes.
Competitive Low Rates
We find the right mortgage program for you and secure low
market rates to save you money.
Close Your Loan On Time
We work with you to ensure a timely loan closing.
Ready to complete your application online?
No Problem!
Who We Help
First Time Home Buyers
Buying your first home can feel overwhelming, but we're here to help make the process easier. We'll guide you every step of the way, help you avoid costly mistakes, and work to ensure your mortgage is approved so you can move into the home you've been dreaming of.
Move Up and Second Home Buyers
Owning one home while purchasing another comes with unique challenges. Whether you're upgrading to a new primary residence or buying a second home for vacations, we’ll address all your questions about qualifying and managing the process seamlessly.
Refinancing Home Owners
If you're considering refinancing your current home, whether to lower your interest rate, save money, or access cash for other needs, we’re here to help. We'll also guide you in securing the best possible terms for your new financing arrangement.
Investment Buyers
If you're looking to invest in real estate, we can help you secure financing with competitive interest rates to maximize your return on investment (ROI).
Seniors Seeking Reverse Mortgages
If you're 62 or older and considering a reverse mortgage to stay in your home without monthly payments or to access your home’s equity, we can answer your questions and help you determine if it’s the right choice for you.
The answers to all your mortgage questions...
Committed to giving you all the support and guidance you need to find the right
mortgage options for you and your family.
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
Work With Us
We recognize that your needs are unique, and we would love to find out
exactly how we can be of service to you.
Contact us by email or give me a call.
CALL US
Call me today with any questions you have about the process - I'm happy to help.
CONNECT WITH US
EMAIL US
If email is your preferred method of contact, go ahead and email me.
This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Bureau 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. As a broker, C2 Financial Corporation is NOT individually approved by the FHA or HUD, but C2 Financial Corporation is allowed to originate FHA loans based on their relationships with FHA approved lenders.
Dennis DeSchaine , NMLS# 382419
Mortgage Broker
12230 El Camino Real, Ste 100, San Diego, CA 92130
C2 Financial
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