Dino Palmieri, Loan Officer

How he works

The first conversation is about the situation, not a product. Most of the work on a Non-QM file happens before any paperwork is gathered: identifying which documentation path the scenario actually sits on, and saying plainly when a conventional path would serve the borrower better. A file placed on the wrong path collects conditions it was never going to satisfy.

Nothing on this site submits an application or pulls credit. A scenario conversation identifies the documentation path and what a file on it would need. A pre-qualification, if you choose to move toward one, includes a credit review and comes later.

Who he works with

• Self-employed and 1099 borrowers — Business owners, contractors, consultants, and professionals paid through distributions, where deposits or a CPA-prepared statement read the income better than a tax return does.
• Real estate investors — Property-qualified financing measured against rent or a market rent opinion, including entity vesting and portfolios built one property at a time.
• Real estate agents — Reading a Non-QM letter, checking documentation readiness before an offer, and keeping communication checkpoints defined through escrow.

Editorial role on this site

Every substantive page here is written and reviewed by Dino Palmieri, Loan Officer, NMLS #1121689, and carries the date it was last reviewed. Content is educational. It is not a pre-qualification, not a commitment to lend, and not advice about a specific transaction. A pre-qualification letter is informational and is not a commitment to lend.

Contact

Phone (805) 252-1720 · Email dpalmieri@c2financialcorp.com · 12230 El Camino Real Suite #100, San Diego, CA 92130