Low Rates. No Hassle.
Find out how Dennis can help make qualifying for a low rate mortgage easy
NMLS# 382419
500+ Families & Agents Served
5.0 Star Reviews
MORTGAGE HELP MADE SIMPLE
Low Rate. No Hassle
Find out how Dennis can help make qualifying for a low rate mortgage easy.
For Homebuyers
Getting a Mortgage Can Be Easy
Buying a home can feel overwhelming, but Dennis helps make the process easier and less stressful.
Clear guidance through every step
Help avoiding costly mistakes
Support for loan approval
Prompt updates about your loan
WHO WE HELP
Mortgage Options for Every Stage
Whether you are buying, refinancing, investing, or exploring a reverse mortgage, Dennis can help you find the right fit.
First-time home buyers
Move-up and second-home buyers
Refinancing homeowners
Investment property buyers
Seniors seeking reverse mortgages
About
Dennis DeSchaine |Mortgage Loan Officer
Your Trusted Mortgage Partner
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.
1,500+
Homebuyers Helped
50+
Agents Trained
5.0
Avg Rating
Loan Programs
Find the Right Loan for Your Situation
Whether you're buying your first home, refinancing, investing, or looking for a specialized loan solution,
Dennis can help you explore your options and find the right fit.
FHA Loans
Low down payment options and flexible qualification requirements for first-time and repeat homebuyers.
VA Loans
Exclusive benefits for eligible veterans, active-duty service members, and surviving spouses.
Conventional Loans
Competitive rates and flexible terms for qualified borrowers.
USDA Loans
Zero down payment financing available in eligible rural and suburban communities.
Non-QM & Self-Employed
Alternative income documentation options designed for self-employed borrowers and business owners.
DSCR / Investment Property
Financing solutions for rental properties and real estate investors.
Refinancing
Lower your monthly payment, shorten your loan term, or access your home's equity.
Jumbo Loans
Help homeowners age 62+ access home equity while continuing to live in their home.
Learn More →
Mortgage Calculators & Tools
Free interactive tools to help you estimate payments, compare loan options, and plan your home purchase. No signup required.
This calculator provides estimates for educational purposes only. Actual tax savings depend on individual circumstances and whether you itemize deductions. The mortgage interest deduction applies to the first $750,000 of loan principal (loans after Dec 15, 2017). The SALT cap is $40,000 for most filers in 2025 (per the One Big Beautiful Bill, signed July 4, 2025), $20,000 for married filing separately. The cap phases down by 30% of MAGI over $500,000 ($250,000 MFS), with a $10,000 floor. The higher cap is in effect through 2029 and reverts to $10,000 in 2030. Consult a tax professional for personalized advice.
What People Are Saying
Real Results, Real Stories
“As first-time homebuyers, we had a million questions and Cole was there for every single one. The day before closing, some unexpected issues came up and Cole and his team went to bat for us, worked relentlessly behind the scenes to get everything resolved. If you're looking for a mortgage broker who will fight for you when it matters most, Cole is the one you want on your team.”
“I'm officially settling on my first home. Huge thank you to Cole and his team for being by my side every step of the way. What I thought would be stressful turned out to be completely stress free. Truly grateful for the guidance and support.”
“Cole and his team are easy to work with, knowledgeable and professional. It was a great experience!”
Learn Before You Leap
Latest Insights & Resources
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FREQUENTLY ASKED QUESTIONS
The answers to all your mortgage questions...
Do I need to save for a 20% down payment?
No. You do not always need 20% down to buy a home. Some conventional loans may allow as little as 3% to 5% down with PMI. FHA loans can go as low as 3.5% down, and VA or USDA loans may offer $0-down options if you qualify. The right option depends on your credit, income, loan type, and overall situation.
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.
Free Monthly Homebuyer Webinar
Join us on the 4th Tuesday of every month at 7PM ET. Learn about the homebuying process, mortgage options, and get your questions answered live - all for free.
No sales pitch. Just straight answers.
Ready to Get Started?
Buying your first home or growing your business, the next step starts with a conversation.
Dennis DeSchaine
NMLS# 382419
CA DRE #01830914
Mortgage Broker
C2 Financial Corporation
12230 El Camino Real, Ste 100, San Diego, CA 92130
QUICK LINKS
CONTACT
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; Texas Division of Saving and Mortgage Lending, 135622; Oregon Division of Finance, DFI# ML-4917; 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 CA, TX, and OR. As a broker, C2 Financial Corporation is NOT approved by the FHA or HUD, but C2 Financial Corporation is allowed to originate FHA loans based on their relationships with FHA approved lenders.
Texas Complaint/Recovery Fund Notice:
https://www.sml.texas.gov/wp-content/uploads/2021/07/rmlo_80_200_b_recovery_fund_notice.pdf