It is the question of having peace of mind for 30 yrs. on something you call 'home'. Like most of us, I shopped around for a good rate and to find someone that you feel comfortable in sharing the details of your finances that generally spills into your personal life stories. This later piece is not often spoken about in the mortgage process but is such a crucial piece of the equation - to feel comfortable which further leads to trust and more importantly, peace of mind. Joseph Chacko came highly recommended by my very close family friend. From my first call with him, it was very evident that Joseph was very knowledgeable and had the pulse of the market. Instead of fitting a client into a mortgage plan, I found out that he listens to you, understands your financial situation, and then finds financial solutions that best fit you. This was very unique in my experience with him. He is highly responsive with his follow-ups. Also, did I mention that he found the lowest rate amongst all the mortgage people I approached! Joseph and his team made the process so easy and personal. They were so efficient that the closing on my home happened 10 days prior to the due date. I am so grateful to Joseph and his team for helping me buy a house that I call 'home' now. It is my privilege to recommend Joseph Chacko for your mortgage needs! read more

Joseph helped us with our initial home Purchase loan few years back and was happy to use his service again on our new home purchase we just closed. Joseph was initially referred to us by a family friend who availed his service and recommended to us that we reach out to him to get the best mortgage advise. I contacted him when I was ready for a loan preapproval, and he responded immediately even though it was past working hours. This was the type of service that my husband and I received throughout the process. Joseph took the time to break down the differences between different type of loan programs including FHA and conventional financing, and explained to us our options when it came to interest rates. Joseph presented me with several options and we discussed pros and cons of each. He was quick, thorough and good at explaining the loan process start to finish and updated us periodically. Both our homebuying experiences were seamless and flawless and they were by far the best experiences we have had to date with any person in the mortgage industry, Joseph is a true professional with extensive knowledge about the mortgage industry. He is thorough and responsive and no questions went unanswered and was timely in his responses as well. I would highly recommend Joseph Chacko to anyone looking for a home loan read more

"Joseph and the C2 Financial team provided invaluable support throughout our journey to secure our first home loan. Joseph displayed a deep understanding of our concerns and swiftly identified a loan that perfectly aligned with our needs. What truly set him apart was his unwavering willingness to assist us at any hour. Prior to working with Joseph, we encountered difficulties in securing the most favorable deal, with other lenders burdening us with unnecessary charges and rates that seemed questionable. However, Joseph and his team impressed us by delivering excellent rates right from our initial interaction. Unlike previous lenders who had caused delays in the process, we found ourselves approaching the completion date with concerns about being stuck with an unfavorable lender. Joseph and his team, however, worked diligently to streamline the process, ensuring it aligned with our closing dates as promised. I wholeheartedly recommend Joseph and his team to any prospective homebuyer, as he truly proved to be a lifeline in our home loan journey. Thanks to Joseph, Martha and their team." read more

Joseph has been a pleasure to work with throughout the loan process. He has always been very prompt and quick in providing any necessary support from pre-approval letters all the way to closing. He even provided me a desktop underwriting approval to make my case stronger with the sellers and be more competitive among so many buyers in this market. He also spoke to the property's listing agent and gave them confidence about my ability to get the mortgage which really helped me get the property among all the offers. He also works fast on closing the property and worked with multiple lenders to get me the best rate and lowest possible closing costs especially since I went for a piggy back loan on top of my primary mortgage. Overall I'm very satisfied with Joseph's service and would highly recommend him to anybody looking for a genuine and trustworthy mortgage broker. read more

I was referred to Joseph Chacko by one of my friends and I feel that is one of the best things happened in my home purchasing experience. As a first time homebuyer, Joseph helped me in understanding the mortgage process and took extra care to make sure I understand everything during the entire process. As a first time buyer you always would have a lot of questions and might not understand what's happening and feel your lost but I can truly say if you work with Joseph your in safe hands, follow what ever he asks and he does the magic to make sure all things are lining up and you even think is that so easy but there would be a lot of great work been done in the background.I was surprised that way he handled the escrow officers when we have numbers mismatched and did not get prompt replies. I would highly recommend him to people who are shopping for a lender. read more

Joseph Made Our Loan Process Smooth and Stress-Free I highly recommend Joseph Chacko from C2 Financial Corporation in San Diego. He truly took the time to understand our goals and needs, helping us plan the loan process in a way that made sense for us. Throughout the entire journey, Joseph was patient, professional, and incredibly thorough, handling every detail with care and keeping us informed at each step. What I appreciated most was how he tailored everything to our situation rather than using a one-size-fits-all approach. We not only got the right loan but also learned how to plan better for our future needs. Joseph's calm, honest, and knowledgeable guidance made a stressful process feel easy. If you want someone who genuinely listens and works in your best interest, C2 Financial Corporation and Joseph Chacko is the person you can trust. read more

I had worked with Joseph Chacko and her loan processor Martha Osorio for a previous purchase and two refinances in 2020 and 2021. They are extremely reliable and had always delivered the product they had promised on time. This May/2022 we sold our primary house and opened Escrow on a house for our family to move in. We certainly reached out to C2 Financial Corp for our mortgage process. I cannot say how lucky we were going with them. During the loan process we had to switch to another product with another lender. They were not only able to manage working with two lenders to find us best products but also, they were able to close on time. Martha was extremely helpful and determined and collaborated with us and the lenders many hours a day to make sure all documents are properly generated and passed to under writer. Thanks C2 Financial. read more

Smooth Painless Process with Amazing team !! Joseph and his team are true professionals. As a first-time home buyer I had tons of questions and concerns about almost everything. But as soon as I spoke with Joseph, my worries were gone and all my queries were appropriately answered. Joseph and the team were very helpful and answered all my questions until I was satisfied that I understood everything. The process was smooth, and I felt like I had their support for the entire transaction which is important especially when you are new to the home buying process. Joseph and the team were a complete pleasure to work with. I highly recommend him and wish there were more people in the industry with his knowledge base, social skills, patience, and sincere interest in helping his customers. read more

I am first time home buyer with zero knowledge on the mortgage process. My friend referred me to Joseph, that's the big milestone in the loan process. Joseph explained me all the options in detail, patiently answered my silly questions and helped me in picking the optimal option for more savings (undoubtedly). He is extremely friendly with solid knowledge and available anytime for Q&A. He was with me throughout the loan process and closed swiftly. I strongly recommend you to Joseph (you do not need to waste your time on analysis, he will give you the best options, simply go with Joseph and save your hard earned money) for your new purchase or refinance needs. I am looking forward to work with Joseph for my future mortgage needs. read more

We recently had the pleasure of working with Joseph and Martha through C2 Financial and we couldn't be happier with the experience. From start to finish, their professionalism, expertise, and dedication truly stood out. They took the time to thoroughly go through different mortgage options with us, helping us understand the pros and cons of each one. This level of transparency gave us confidence in making the right decision for our financial future. Thanks to their efforts, we secured a mortgage that aligns with our needs and preferences and we were able to close in 3 weeks! In summary, our experience was nothing short of exceptional. We wholeheartedly recommend their services to anyone in need of mortgage assistance. read more

Extremely smooth refinancing process - lowest possible rates that I could get Working with Joseph and his team was a real effortless process. They clearly outlined the documents that I needed. If they were waiting for paperwork or other items from me, they would let me know by email immediately and then follow up with a call if I did not respond to make sure that I did not miss the email. Compared to all the rates that I have ever been able to find including the ones listed on bankrate.com, I got a better deal through Joseph. Closing was a breeze. He was up-front with all the options available for my situation and in cases that did not benefit me, he clearly called those out. Did refinancing with a 7/1 arm read more

We loved working with Joseph and his team while we were looking for our house in California. Joseph was very easy to work with and he was always there to answer our questions, solve our issues and guide us through the loan process. Working with him was like working with a family member, he was always just a call away. We were taking a jumbo loan which itself was added pressure on Joseph and his team. Working with them made it so simple amidst all the complicated paperwork. I can't imagine the amount of work they do in the background to make it look easy and seamless for us. Thanks Joseph, for the extraordinary work and help. It will always be a pleasure working with you in future. read more

Started working with Mr Joseph an year back when we started our house search. Especially as a new home buyer and having no idea about the whole process he was extremely courteous , never pushy, gave a lot of great advise and recommendations . He was also very responsive and reliable and timely whenever I needed him to be. The loan process was a cake walk with him and he and the team got it done in under 3 weeks . To top it all we were provided a very competitive rate and the costs were kept to a bare minimum. What more can you ask for . I would highly recommend you choosing Mr Joseph for all your lending needs without a second thought. read more

I started working with Mr Joseph when we were buying our first home. First of all, We should thank you the person who referred Joseph to us. Because, when we were signed the offer as first time home buyers we were worried in closing the process with in 21 days from the offer date and there were some holidays for Thanksgiving. But Joseph helped us a lot in explaining the available options and in detail information about the required documents. Joseph and his staff Martha was there all the time when we needed them, some times in the late evenings and weekends too. We really pleased with their work and we strongly recommend them. read more

Joseph Chacko gave me the best rates around and their customer service is exceptional! In fact whenever there is a change in interest rate he usually inform me about it. Joseph Chacko and his team are professional, charming, and I always felt they were on my side to get the loan done quickly and favorably to me. I have used their service for refinancing my home more than once and I am very happy. Their quotes are honest and their fees upfront.Refinance was completed quickly within 3 weeks. They were very responsive and answered all questions. Very pleased with overall experience.You won't be disappointed to use them. read more

Mr. Joseph is a well accomplished loan officer. He was very prompt and professional. During our first conversation, he explained every option that was available to me and extended his expertise beyond the scope of the business deal. I strongly believe that he provided me the best interest rate which other lenders can't come closer to the same. He is a bright, intelligent, customer-oriented mortgage professional offering great service and rates. I am very proud to recommend Mr. Joseph as your next loan officer and I strongly suggest contacting Mr. Joseph your best rate. Thanks Joseph for the great help!! read more

We had an amazingly smooth and successful experience working with Joseph in the last few years We have done mortgage financing and refinancing 3 times with him so far. Two main things I would like to point out . 1) We were taken care of with the best rates the market had to offer, everytime. I always compare the rate from other sources. But each time, he gave me the best rate 2) With him, the whole process gets completed on time or before time. Refinancing is not fun but they made it very painless. He is highly knowledgeable in his field and has many years of experience. I highly recommend him read more

"We worked with Joseph Chacko and JCLending team with the purchase of our new home in Washington. We were thoroughly impressed with all aspects of the service we got from the JCLending team. This was our second home buying experience with the JCLending team. Their thoroughness, timely communications and transparency made the entire lending process so smooth. From the pre-approval, through closing, they made every step as easy and stress-free as possible. They also worked hard to get us the best possible rate. We will definitely work with them again and we highly recommend JCLending team!" read more

We just recently brought a home in San Jose, CA. Joseph and Martha were of great help throughout the process of acquiring home mortgage and closing the escrow in just 15days. They answer the phone call right away or immediately text back if they are unable to do so. I was able to get the pre-approval letter in less than a day. They made the entire process of closing escrow look easy, trust me it is not. There are lot of technical term in home loan closing and Martha explained all of them in layman terms really well. They are a great team to work with and I would highly recommend them. read more