Finance It!

If you’re not one of the lucky few who just pays cash

 when buying a home, have no fear.  We can help!

In today’s finance market there are amazing challenges that strongly suggest that you shouldn’t have just any old lender or broker arrange your home loan.  When you’re making an offer you want your funding source to be as solid as you can get.  This is why we manage our funding for our buyers with local loan officers through our sister brokerage C2Financial Corporation.

See LoansByHeidi.com

 Conventional Financing

  • Fannie/Freddie Programs
  • Generally, 680+ credit
  • Up to 80% no Mortgage Insurance
  • Up to 95% with M.I.
  • Fixed and Adjustable Rates
  FHA-insured Financing

  • Low 3.5% down payment financing
  • Generally, 640+ credit
  • Up to 96.5% with Mortgage Insurance
  • Owner-occupied only
  • Fixed and Adjustable Rates
  Portfolio Lending

  • Banks lending their own money!
  • Generally, 660+ credit
  • 80% to $900k
  • Loans up to $2 million
  • Fixed and Adjustable Rates

With a commitment to personal service and the experience and know-how to get the funding needed, Cobalt Financial is our choice to help you fund your home purchase.  From finding the home, to getting your offer accepted, to getting the loan funded, we’re working to help YOU through the “new normal” of real estate purchasing in the Bay Area.

The Bay Area Home 4 Me Team, a member of

California DRE # 01821025

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