Your Mortgage Guy Eric Garnicki - C2 Financial NMLS #363191
Mortgage Lender serving San Jose, CA
About Your Mortgage Guy Eric Garnicki - C2 Financial NMLS #363191
Eric Garnicki operates as a dedicated Senior Mortgage Advisor, leveraging his expertise under the umbrella of C2 Financial Corporation, a prominent mortgage brokerage. He is committed to guiding clients through their homeownership journeys, focusing on providing a highly personalized and efficient mortgage experience.
Eric specializes in a comprehensive range of home loan solutions, including purchases, refinances, renovation loans, and reverse mortgages. He serves diverse borrower needs, from first-time homebuyers and veterans seeking specialized programs to self-employed individuals navigating unique income verification processes. His approach emphasizes clear communication and tailored advice throughout the loan process.
Committed to blending convenience with personal attention, Eric's platform offers robust digital capabilities such as online applications, interactive rate calculators, and pre-qualification tools, complemented by direct consultation options. His dedication to client satisfaction is reflected in numerous positive testimonials highlighting his professionalism, responsiveness, and ability to secure favorable outcomes.
Eric specializes in a comprehensive range of home loan solutions, including purchases, refinances, renovation loans, and reverse mortgages. He serves diverse borrower needs, from first-time homebuyers and veterans seeking specialized programs to self-employed individuals navigating unique income verification processes. His approach emphasizes clear communication and tailored advice throughout the loan process.
Committed to blending convenience with personal attention, Eric's platform offers robust digital capabilities such as online applications, interactive rate calculators, and pre-qualification tools, complemented by direct consultation options. His dedication to client satisfaction is reflected in numerous positive testimonials highlighting his professionalism, responsiveness, and ability to secure favorable outcomes.
Company Information
Lender Type: Mortgage Broker
Headquarters: San Jose, CA
Licensed In
CA
Digital Capabilities
Online Application
Rate Calculator
Pre-Qualification Tool
Video Consultation
Home Loan Products
Home Purchase Loans
Loan Types:
ConventionalFHAVA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
First-Time HomebuyerVeteran ProgramLow Down Payment ProgramSelf-Employed Program
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
0
100%
Max LTV
580
Min Credit Score
Home Refinance Loans
Loan Types:
RefinanceCash-Out RefinanceVA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Veteran Program
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
580
Min Credit Score
Renovation Loans
Loan Types:
Construction
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Renovation Loan
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
580
Min Credit Score
Reverse Mortgage
Loan Types:
Reverse Mortgage
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
Retired
Income Verification:
Full Documentation
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
580
Min Credit Score
Home Equity Loans
Loan Types:
HELOCHome Equity Loan
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
580
Min Credit Score
Contact Information
99 S Almaden Ave #600
San Jose, CA 95110
US
Mailing Address:
99 Almaden Blvd., Suite 600 San Jose, CA 95113
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Business Information
Category: Mortgage Lender
Location: San Jose, CA
Status: Standard
Type: Mortgage Broker
NMLS ID: 363191
Profile Views: 1
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