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.


Reverse Mortgages

Reverse Mortgages

If you’ve built equity in your home, a reverse mortgage may provide another way to put that equity to use.

For eligible homeowners, a reverse mortgage can provide access to a portion of home equity without the monthly principal and interest payments associated with a traditional mortgage. These loans have specific requirements, costs, and ongoing borrower responsibilities.

Reverse mortgages are one of my primary specialties. I’ll help you understand how they work and whether an available option may fit your goals.

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DSCR Loans

DSCR Loans

A Debt Service Coverage Ratio (DSCR) loan may offer real estate investors an alternative to financing that relies primarily on personal income.

Instead, DSCR financing generally considers whether a qualifying investment property generates enough rental income to cover its debt obligations.

I have extensive experience working with investors and can help you understand DSCR requirements and available financing options for qualifying properties.

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VA Loans

VA Loans

As a U.S. Marine Corps veteran and VA loan specialist, helping eligible military borrowers understand VA financing is personal to me.

VA-backed home loans may provide purchase or refinancing options for eligible veterans, active-duty service members, and certain surviving spouses. I can help you understand eligibility considerations, requirements, and the financing process. Questions? Call me now!

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Jumbo and Super Jumbo Loans

Jumbo and Super Jumbo Loans

If your financing needs exceed conventional conforming loan limits, a jumbo or super jumbo loan may provide an option for purchasing or refinancing a higher-value property.

I can help you review available financing and understand the borrower, property, and lender requirements that may apply.

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Interest Rates

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 mortgage program, property, loan amount, borrower qualifications, lender requirements, and market conditions.

I can help you understand the factors affecting your mortgage options and look beyond a single advertised number.

Ask About Interest Rates

Personalized Guidance

Not Sure Where to Start?

You don’t need to know which mortgage you need before contacting me. Whether you’re considering your home equity, financing an investment property, exploring VA benefits, or planning a purchase or refinance, tell me what you’re trying to accomplish. I’ll help you understand the options that may be relevant to your situation.

With more than 12 years in the mortgage industry, I’ve worked with first-time buyers, homeowners, veterans, and experienced real estate investors.

Common Questions

Frequently Asked Questions

  • What are your primary mortgage specialties?

    Reverse mortgages and DSCR loans are my primary areas of focus. I also work with VA loans, jumbo and super jumbo financing, refinancing, and other mortgage options available through C2 Financial.

  • Do you work with real estate investors?

    Yes. I have experience working with investors and investment properties, including DSCR financing for qualifying properties.

  • Where do you 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 to learn more.

    Service Area
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Black five-point star icon on a white background
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Black five-point star icon on a white background

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, let’s talk through it.