"SHOW ME THE MONEY!" This has to be the most cliche way of beginning a yelp review, but I think it is so fitting when I talk about Eugene Tu at C2 Financial. Why is it so fitting? Well, that is the type of energy he brings when he's trying to help land you the perfect loan for your needs and budget.
Let me begin by stating my loan fell in the most awkward of times. Like, literally a couple of weeks before the whole COVID-19 quarantine took over our islands. At the time, I was shopping around for the best loan possible and Eugene was patient with me while I did my due diligence comparing rates. He gave me the facts and didn't try to sell me on anything or make like he knew everything. We came across a thing or two and he was honest with me and told me he would check and get back to me (I had questions about PMI and "timing" the market). When it comes to handling your finances, you want someone like that. Someone honest who isn't willing to BS their way through a sale just to get your commission into their pocket.
Well fast forward to mid-March 2020 and we are in the middle of quarantine. The fed rates drop and I'm finally ready to move forward with the lender Eugene picked out for me. But things got weird as we started to move forward because lenders started to pull back their loans and were asking for more documentation since so many people were losing their jobs left and right amidst the pandemic. Understandably, during a time like this, there's a lot to be cautious about on the bank's side and I was starting to freak out because I didn't think I would get all the documentation in time before the rates went back up (my HR department was closed because of social distancing). Eugene and Lori (Eugene's partner at C2) walked me through everything and even did their part as brokers to put the lender at ease and just make the deal "work." The whole process took a little longer than usual, but can I blame C2, Eugene, or Lori? No, we were in the middle of a pandemic and yet Eugene and Lori continued to handle the loan process like it was still at the top of their priority list. I would write emails or ask questions about the status of my loan at night (after my son fell asleep) and they'd reply within minutes or at the latest the beginning of the next business day! It was incredible how much time and energy they devoted to making me feel relaxed during these unprecedented times!
The only thing that ended up being really different is that I never got to meet Eugene in person because of the whole social distancing mandate in effect, but I can tell you through the texts, emails, and phone calls Eugene is the type of person you want on your side of a loan process. He's the guy who's going to "show you the money" when it comes down to finding you the lowest interest rate and the best terms for your next home loan. I couldn't be happier with how things turned out! read more