Nick Grisanti, Mortgage Loan Originator: mortgages in Florida, Ohio, Tennessee and Texas

Nick Grisanti
Nick Grisanti
Mortgage Loan Originator · NMLS #2719729FL #LO138662 · OH #MLO-OH.2719729 · TN #2719729 · TX SML licensedC2 Financial Corporation · NMLS #135622

I shop more than 100 wholesale lenders through C2 Financial Corporation and put your best options side by side. One application, one person to call, real choices.

Choose your stateFloridaOhioTennesseeTexas
  • 100+Wholesale lenders
  • 4States licensed
Step 1 of 4
What can we help you with?
LicensedFlorida · Ohio · Tennessee · Texas C2 Financial CorporationLicensed mortgage broker 100+ lendersWholesale network
Where to start

What are you looking to do?

Purchase Buy a home First home or next home. Get pre-approved so you know your real budget before you shop. Start with pre-approval → Refinance Refinance Change your rate or term, drop mortgage insurance, or take cash out when the math works. See if it makes sense → Home equity HELOC or cash-out Tap your equity with a line of credit or a cash-out refinance, whichever fits your first mortgage. Compare options → Investors Investment property DSCR loans that qualify on the property's rent, for one rental or a whole portfolio. How DSCR works →
Licensed in four states

Where I lend

Home base Florida Home base. Every county, plus city guides, Florida loan limits, insurance, condo and homestead notes. Florida mortgages → Licensed Ohio Purchase, refinance, HELOC and DSCR loans, including rentals in Columbus, Cleveland and Cincinnati. Ohio mortgages → Licensed Tennessee Home loans and investment property from Nashville and Knoxville to Chattanooga and Memphis. Tennessee mortgages → Licensed Texas Home loans, Texas home equity and cash-out rules, and DSCR loans for Texas rentals. Texas mortgages →

Investment property in another state? Business-purpose loans (for example, DSCR loans for rental and investment properties) may be available in other states, subject to state rules and lender guidelines. Call Nick or email Nick for details.

How working with me goes

  1. We talk it throughTell me what you're trying to do: the property, your income, your timeline. No credit pull to start and no obligation.
  2. I shop itI run your scenario across lenders in C2 Financial Corporation's wholesale network and narrow it to the options that actually fit.
  3. You choose, we lockYou see your best options side by side, with the Loan Estimate, and pick the one you want. Then we lock it.
  4. We closeI stay your contact through underwriting, appraisal and closing, and keep you and your agent updated along the way.
The broker difference

Why a broker, not a bank

A bank can only offer you the bank's own loans. If your situation is a little different, say you're self-employed, buying a condo, going jumbo or buying a rental, one lender either fits you or it doesn't.

Through C2 Financial Corporation, I can take your scenario to multiple wholesale lenders. If one prices high or says no, I move your file to the next one, and you don't start over. I also put the fees side by side, not just the rate, so you're comparing the whole loan.

A single retail lender
One bank's programs.
  • Only their own loan products
  • One set of lending guidelines
  • Programs vary from lender to lender
Working with me · C2 Financial Corporation
Access to 100+ wholesale lenders.
  • Programs from many lenders
  • Guidelines that vary by lender
  • One application, many lender options
Any state

Guides and tools

Lending Loan programs Conventional, FHA, VA, jumbo, DSCR, bank statement, construction, foreign national and HELOC. Browse loans → Home equity HELOC and cash-out Which way to tap your equity, and what each one needs. Compare options → Calculators Tools Payment, affordability, DSCR, refinance, closing costs and rent vs. buy. Quick estimates. Open tools → Buyer guides Guides Mortgage 101, pre-approval, the document checklist, DSCR explained and more, plus free PDF downloads. Read guides →
For real estate agents

A loan officer your buyers can reach

When your buyer works with me, you get one person who answers the phone and knows the file.

Before the offerReal pre-approvalsCredit, income and assets reviewed up front, so the letter means something to the listing agent.
During the dealStatus at each milestoneAppraisal, underwriting conditions, clear to close. You and your buyer hear it from me, not a call center.
Harder filesMore than one lenderSelf-employed buyers, condos, jumbo and investors. If one lender won't fit, I can take the file to another.

Call Nick or email Nick about a buyer or a listing.

For real estate investors

Rental loans that qualify on the rent

A DSCR loan looks at the property's rental income against its payment, not your tax returns, so your portfolio can grow without your personal income becoming the bottleneck.

QualifyingThe property carries the loanNo W-2s or tax returns. Lenders compare the rent (actual or appraiser-estimated) to the full payment.
StructureLLC vestingMany DSCR lenders let you close in an LLC, which is how most investors want to hold rentals.
Property typesLong-term and short-term rentalsSingle-family, 2-4 units, condos and short-term rentals, depending on the lender's program.
Out of stateBuy where the numbers workLicensed in FL, OH, TN and TX, and business-purpose loans may be available in other states.How DSCR works →

Business-purpose loans are subject to state rules and lender guidelines. Call Nick or email Nick with the property and the rent, and I'll tell you what the lenders will do with it.

For builders and people building

Construction loans, start to finish

Construction-to-permanent financing pays for the build in stages, then becomes the long-term mortgage when the home is done. I work with builders' buyers and with people building on their own lot.

One or two closingsOne-time or two-time closeOne loan that converts at completion, or a construction loan followed by a separate mortgage. Which fits depends on the lender and the project.
During the buildDraws as work is doneThe lender pays the builder in stages, usually after an inspection, and interest is charged on what's been drawn.
Builder reviewGetting the builder approvedLenders review the builder's license, insurance and track record, plus the plans, budget and contract.
HomebuildersA lending partner for your buyersPre-approvals and status updates for your sales team, with the buyer's permission. Buyers are always free to choose their own lender.Builder partnerships →

How construction-to-perm works · Call Nick or email Nick about a build.

Questions

Common questions

What does a mortgage broker do that a bank can't?
A bank offers its own loan programs. Through C2 Financial Corporation, a licensed mortgage broker, I can compare programs from more than 100 wholesale lenders and move your file to another lender if the first one doesn't fit.
What states are you licensed in?
Florida, Ohio, Tennessee and Texas. Business-purpose loans, such as DSCR loans for investment property, may be available in other states, subject to state rules and lender guidelines. See all licenses.
Do you charge me a fee?
There's no charge to talk through your scenario or get a quote. On a loan, C2 Financial Corporation is paid either by the lender or by you as an origination charge, and the amount is shown on your Loan Estimate before you commit.
What's today's rate?
Rates change daily and depend on your credit, loan amount, property and loan type, so I don't post them. Tell me your scenario and I'll quote real options from multiple lenders, with the APR.
Are you a lender?
No. I'm a Mortgage Loan Originator with C2 Financial Corporation. Your loan is funded by one of the wholesale lenders C2 works with.