LET'S CONNECT
Katina Buzbee
MORTGAGE LOAN OFFICER/ BROKER
AR NMLS # 2643774
C2 FINANAIAL CORPORATION
AR NMLA# 135622
Your Home, Our Priority
Welcome
My name is Katina Buzbee, your trusted mortgage broker loan officer. Specializing in tailored funding solutions for-time home buyers, refinancing, and purchases, we offer a variety of loan options including zero down loans and flexible financing for all situations. Whether you're navigating 1099 income, bank statement loans, or overcoming credit challenges, we're here to guide you every step of way in achieving your homeownership and business goals. Let us help you unlock door to your new future!
List Title
Reviews
Mortgage brokers partner with several lender investors to offer specialized lending not offered by local banks. I am a local broker who servicing my community in Arkansas.
Specialized Lending Services
First Time Home Buyer
USDA FHA DPA
FHA
Legacy Builder from Open Wholesale
​
-
🟢 No income restrictions – open to more qualified buyers
-
🟢 580+ FICO eligible – accessible credit requirements
-
🟢 Non‑occupant co‑borrowers allowed – family support boosts buying power
-
🟢 Up to 101.5% CLTV when paired with FHA – covers purchase price and more
Up to 101.5% CLTV
Program Highlights
-
✅ Not limited to First‑Time Homebuyer requirement
-
✅ $0 Down Payment
-
✅ Competitive Rates
-
✅ Upfront guarantee fee & annual fees apply
-
✅ closing costs rolled into the loan
-
✅ primary residence only
-
✅ Minimum FICO: 640
-
✅ 660 FICO for Refer / Manual
-
🟢 income restrictions
-
🟢 rural property eligibility required
-
🟢 2 unit properties eligible
Giant Lending Deluxe FHA DPA
Up to 101.5% CLTV (96.5% 1st + 5% 2nd)
Program Highlights
-
✅ No First‑Time Homebuyer requirement – all borrowers are eligible
-
✅ Closing costs included (1.5%)
-
✅ Follows FHA guidelines
-
✅ Refer / Eligible OK
-
✅ No household income limits
-
✅ 1–2 units, primary residence only
-
✅ Minimum FICO: 600
-
✅ 660 FICO for Refer / Manual
-
🟢 No income restrictions
-
🟢 Forgivable 2nd option (no payment required)
-
🟢 Not limited to first‑time buyers
Program Highlights
-
✅ Not limited to first‑time buyers
-
✅ Minimum FICO: 580
-
✅ 500 FICO with 10% down
-
✅ Refer / Eligible OK
-
✅ No income restrictions
-
✅ upfront MIP and annual premium
-
✅ Maximum loan amounts apply
-
✅ Must be primary residence
-
🟢 can be transferred to a new buyer
-
🟢 higher DTI tolerance
-
​
Conventional
-
Fannie Mae HomeReady & Standard 97% LTV​​​​
-
Program Highlights
-
✅ Time Homebuyer requirement
-
✅ 3% down payment (97% LTV)
-
✅ 1‑unit primary residence only
-
✅ DU accept/ eligible required
-
✅ PMI required until 20% equity is reached
-
✅ no income limits apply
-
✅ Minimum FICO: 620
-
Freddie Mac Home Possible / Standard 97%
-
🟢 Similar 3% down option
-
🟢 Income limits apply for Home Possible, but not for standard 97%​
Refinance
Rate /Term Refinance
-
✅ lower interest rate or term
-
✅ lower monthly payments
-
✅ payoff faster
-
✅ No cash back to borrower
Cash-Out Refinance
-
✅ Borrow more than you owe
-
✅ pay off debt, home improvements
-
✅ Minimum FICO: 680
-
✅ Can only borrow 80% of home's value
Streamline Refinance
-
🟢 like rate/term refinance
-
🟢less documentation
-
🟢 no appraisal or income verification
Conventional Refinance
-
✅ lower interest rate or term or remove PMI
-
✅ Switch loan type
-
✅ requires income verification
-
✅ requires an appraisal
Heloc
​​​​Program Highlights
-
✅ Flexible borrowing with open revolving account
-
✅ lower interest rates than personal loans or credit cards
-
✅ only borrow what you need
-
✅ interest only payments available
-
✅ higher credit limit than unsecured loans
-
✅ tax advantages if used for home improvements
-
✅ Minimum FICO: 600
-
🟢 Variable rates fluctuate with market
-
🟢 possible annual fees apply​
Low credit score
​​​​Program Highlights
-
✅ Higher DTI allowances
-
✅ higher rates and fees apply
-
✅ Higher down payments may apply
-
✅ Manual Underwriting
-
✅ PMI required until 20% equity is reached
-
✅ no income limits apply
-
✅ Minimum FICO: 500
-
🟢 Similar 3% down option​
No FICO
​​​​Program Highlights
-
✅ Higher DTI allowances
-
✅ higher rates and fees apply
-
✅ Higher down payments may apply
-
✅ Manual Underwriting
-
✅ PMI required until 20% equity is reached
-
✅ no income limits apply
-
✅ no credit history
-
✅ Higher DTI allowances
-
✅ non traditional trade lines
-
✅ bankruptcy
-
✅ Repossession
-
✅ Foreclosure
Investment DSCR
-
✅ No personal income verification
-
✅ property must cover debt service
-
✅ no cap on amount of properties owned
-
✅ enables portfolio growth
-
✅ 43-50% DTI
-
✅ 20-25% downpayment required
-
✅ can do cash-out refinance on existing property
-
🟢 multiple units allowed
C2 Financial
Why choose C2 Financial?
As a top mortgage broker in the nation, C2 Financial offers access to superior loan products, competitive rates, and gold-star service. That's why over 115,000 families have chosen C2 Financial for their mortgage financing needs.
A 2024 study conducted by Polygon Research, with support from Willow Canyon Advisors and Pontiac-based United Wholesale Mortgage, concludes the wholesale channel provides substantial savings for consumers on average across various mortgage verticals and within a standard reference loan profile. Consumers Save $10,662 Working With a Mortgage Broker.
​
By DBusiness Daily News
-
August 29, 2024
Latest Insights
Katina Buzbee
Trusted Mortgage Broker
Phone: 870-310-5347
katinabuzbee@c2financial.com
Mailing Address:
5125 N Wyatt Dr, El Dorado, AR 71730
C2 NMLS #135622 | AR Branch #2632787 | NMLS #2463774 | AR #130601
.png)
C2 NMLS #135622
C2 Financial is rapidly growing with active licenses in over 34 states as of March 2024. Number of licensed states and lenders within the C2 Lender Network may vary. www.C2Financial.com
C2 Financial Corporation is licensed by the California Bureau of Real Estate, Broker # 01821025; Alabama SBD #23303; Arizona DFI #919209; Arkansas ASD #129945; Colorado DRE; Florida OFR #MBR3519; Hawaii DFI #HI-135622; Idaho DOF #MBL-9475; Illinois DFPR #MB.67618115; Kansas OSBC #135622; Kentucky DFI #MC809104; Louisiana OFI #135622; Michigan DIFS #FL0023565 / SR0023566; Minnesota DOC #MN-MO-135622; Mississippi DBCF #135622; Montana DBFI #135622; Nebraska DBF #135622; Nevada MLD #3260; New Mexico FID #135622; Ohio DFI #RM.804919.000; Oklahoma DOCC #MB014489; Oregon DOF #ML-4917; South Carolina DCA #135622; South Dakota DOB #135622.ML; Tennessee DFI #135622; Texas SML #135622; Washington DFI #MB135622; Wyoming DOB #4612; 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.
Consumers in Texas: Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at (877) 276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov