- Mortgage Broker Serving Washington & Idaho
Reverse mortgage plus
Hello and welcome to Reverse Mortgage Plus! My name is Cass Hania, NMLS #186281, with C2 Financial.
With over 12 years of dedicated experience in the mortgage industry, I specialize in Reverse Mortgages and DSCR Investor Loans. My goal is to provide personalized guidance and help each client find a financing solution that fits their unique needs.
12+ Years
Mortgage Industry Experience
WA & ID
Dual State Licensed Broker
USMC Veteran
Dedicated VA Loan Specialist
Direct Access
Talk Straight With Cass
"No two mortgage situations are exactly alike. I start by understanding what you want to accomplish rather than pushing a pre-packaged loan."
Personalized Mortgage Guidance
Mortgage Guidance That Starts
With a Conversation
No two mortgage situations are exactly alike. That’s why I start by understanding what you want to accomplish rather than immediately pointing you toward a specific loan.
Over the past 12+ years, I’ve helped clients with everything from their first home purchase to investment and vacation properties. I’m based in the Spokane–Coeur d’Alene area and serve clients across Washington and Idaho.
Whether you already know which mortgage you’re interested in or simply have questions, I’ll help you understand the options that may fit your situation and what to expect along the way.
Comprehensive Loan Solutions
Explore Your Mortgage Options
Through C2 Financial—the nation's premier independent mortgage brokerage—I provide a specialized range of financing solutions tailored for every stage of homeownership and real estate investment.
Reverse Mortgages
For eligible homeowners, a reverse mortgage may provide a way to access a portion of the equity built in your home without the monthly principal and interest payments associated with a traditional mortgage.
These loans have specific requirements, costs, and borrower responsibilities. I’ll help you understand how they work so you can decide whether an available option fits your circumstances.
DSCR Loans
If you invest in real estate, a Debt Service Coverage Ratio (DSCR) loan may provide an alternative to financing that relies primarily on personal income.
DSCR loans generally focus on whether a qualifying investment property generates enough rental income to cover its debt obligations. I work with investors to review available options and explain the property and lender requirements involved.
VA Loans
As a U.S. Marine Corps veteran and VA loan specialist, I’m proud to help eligible veterans and military borrowers understand their home financing options.
VA-backed loans may be available to eligible veterans, active-duty service members, and certain surviving spouses for purchasing or refinancing a qualifying home.
Jumbo and Super Jumbo Loans
Need financing for a higher-value property? Jumbo and super jumbo loans may provide options when the required mortgage amount exceeds conventional conforming loan limits.
I can help you explore available financing and understand the borrower, property, and lender requirements that may apply.
Interest Rates
Mortgage rates matter, but an advertised rate doesn’t tell you everything about a loan. Available rates and terms can vary based on the loan program, property, borrower qualifications, market conditions, and other factors.
I can help you look beyond the headline rate and understand the financing options relevant to your situation.
Serving Washington and Idaho
Based in the Spokane–Coeur d’Alene area, I’m licensed to serve mortgage clients throughout Washington and Idaho.
Whether you’re a homeowner exploring your equity, a veteran considering VA financing, a buyer looking for a home mortgage, or an investor evaluating another property, call me today to discuss your next purchase and explore your financing options.
Common Questions
Mortgage Questions & Answers
What does Cass Hania specialize in?
My primary areas of focus are reverse mortgages and DSCR loans. I also help qualified clients explore VA loans, jumbo and super jumbo financing, refinancing, and other mortgage solutions available through C2 Financial.
Where does Cass Hania provide mortgage services?
I’m based in the Spokane–Coeur d’Alene area and licensed to serve mortgage clients throughout Washington and Idaho. Visit the [Service Area] page for more information.
Do I need to know which mortgage I want before contacting you?
Not at all. Tell me what you’re trying to accomplish, and we can start there. I’ll help you understand mortgage options that may be relevant to your property, goals, and circumstances.
Dedicated Client Care
Worked With Cass? Share Your Experience
If we’ve worked together on a mortgage or I’ve helped you understand your financing options, I’d appreciate hearing about your experience.
Your feedback helps me continue improving the service I provide and gives others a better idea of what it’s like to work with me.
Let’s Talk About What You’re Considering
You don’t need to have every detail figured out before reaching out. Whether you have questions about a reverse mortgage, an investment property, VA financing, refinancing, or another mortgage scenario, contact me today to discuss your options.