Turn “I’m Not Sure I Qualify”
Into a Clear Plan to Buy a Home
Amber Renee Jones - Independent Mortgage Broker-Associate
Branch Manager - C2 Financial Corp
Certified Mortgage Advisor
Certified Reverse Mortgage Professional
NMLS #322407 | CA DRE #01469517 | NE #322407 | OR #322407 | TX #322407
Why choose Amber?
I started in the mortgage industry more than 20 years ago as a loan processor. That experience taught me how loans really work behind the scenes.
Today I help buyers and homeowners solve situations other lenders often give up on. Whether that’s complex income, credit challenges, or unique property situations, I will help you find a solution.
Trained & Equipped
Trained and tested to be better equipped and advise with which loan program and product will be suit your short-term and long-term goals.
TURNING OBSTACLES INTO OPPORTUNITIES
Are you paying too much for housing?
This guide could be the difference between making an informed decision or a bad one.
Get a clear picture of what you can comfortably afford
Spot red flags that could delay your mortgage approval
Organize the documents your lender will ask for
Know your next 3 moves before you start home shopping
Expert. Ethical. Excellent.
A mark of expertise, ethical standards, and commitment to excellence in reverse mortgage lending. Fewer than 200 professionals nationwide carry this designation, underscoring its exclusivity.
Your Homeownership Journey
LOAN OPTIONS AVAILABLE FOR EACH SEASON OF LIFE
First Time Homebuyer
Low down payment options for those who have not owned a home in the last three years.
Move Up or Investment
Use the equity in your current home to purchase another one, or convert your current home to a rental.
Cash-Out Refinance
Consolidate your variable high-interest credit cards and loans with a predictable fixed rate loan, or tap into your equity to make your dream home come to life.
Active Military & Veterans
0% down payment options for active military, veterans and surviving spouses.
Front Line Workers
Have student loans? No problem.
Less than two year work history? Transcripts/Diploma can be used to document "work history" requirements.
Reverse Mortgage
Whether to purchase a new home or age-in-place at your current home, you can create freedom and put your equity to work in retirement.
CREATIVE SOLUTIONS
No Stone Left Unturned
Situations I Help Solve
✔ Credit challenges
✔ Self-employed income
✔ Student loan concerns
✔ Buying with low down payment
✔ Buying after bankruptcy
✔ Complex condo financing
Even if you’ve been told no before, there may still be options.
The first step is simply seeing what’s possible.
Reviews
Latest Mortgage Articles
In-depth guides and expert insights.
Easy Ways to Create a Welcoming Outdoor Space
Transform your yard this spring with easy landscaping, maintenance, and outdoor living ideas that improve curb appeal and protect your home's value. ...more
Home Buying ,Refinancing
July 24, 2026•2 min read
6 Tips to Prepare for an Appraisal Inspection and Avoid Costly Delays
Preparing for a home appraisal? Follow these six simple tips to help avoid reinspection fees, loan delays, and unexpected surprises during the appraisal. ...more
Home Buying ,Refinancing
July 24, 2026•2 min read
VA IRRRL Refinance in California: A Simpler Way for Veterans to Lower Their Mortgage Payment
Learn how a VA IRRRL Refinance can help eligible California Veterans lower their payment without traditional credit qualification, income verification, or an appraisal. ...more
Refinancing
July 22, 2026•7 min read
Why Condo Loans Are Different (And What Buyers Need to Know Before Falling in Love With a Unit)
Thinking about buying a condo but heard they’re harder to finance? 🏢 This post breaks down why condo loans are different — and how to avoid costly surprises before you fall in love with a unit. 💡 ...more
Home Buying ,Refinancing
January 22, 2026•5 min read
Is Mortgage Pre-Approval Required to Buy a House? The Truth Every Buyer Should Know
Think pre-approval means you're locked into buying a home? Think again. Discover why getting pre-approved is a smart, pressure-free step—especially for healthcare professionals with variable income. ...more
Home Buying ,Budget
January 15, 2026•4 min read
Pre-Approval for First-Time Homebuyers: A Clarity-First Guide for Orange County Healthcare Workers
Confused about mortgage pre-approval? This guide for Orange County healthcare workers breaks down the process, clears up student loan fears, and shows how to buy smart in 2026. Get clarity, not pressu... ...more
Home Buying
December 25, 2025•5 min read
Mortgage Advice in Minutes
Learn how to buy a home, refinance, use your equity, understand VA, FHA, Conventional, Reverse Mortgages, and avoid common home financing mistakes.
Contact Me
Address
Branch Address
10601 Walker St, Suite 170 Cypress, CA 90630
Corporate Address
12230 El Camino Real, Suite 100, San Diego, CA 92130
Call/Text: (562) 222-5692
Email: [email protected]
FOLLOW ME
Important Disclaimer Information
This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Department of Real Estate, Broker #01821025; Nebraska Department of Banking and Finance, NMLS #2751157; Oregon Division of Financial Regulation, NMLS #2751157; Texas Department of Savings and Mortgage Lending, NMLS# 2751157.
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. The services referred to herein are not available to persons located outside the state of CA, NE, OR, TX.
TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.
Equal Housing Opportunity.