Get to know Joseph
Joseph Schaffer is the Chief Lending Officer of C4T LLC and Broker/Owner of Cleared 2 Land LLC. With industry experience since 2006, he has worked across both bank and non-bank lending platforms, providing mortgage and real estate financing solutions for public and private investors. His background includes bridge lending as well as commercial and residential mortgage origination, with a focus on disciplined underwriting and clearly defined exit strategies.
Why choose Joseph?
Licensed in:
Loan Products:
Years of experience:
Questions? Joseph has answers.
We prompted questions to Joseph so you can learn more about their skills, preferences, and availability.
We meet clients where they want to be met. Using modern, secure digital tools, we are able to work face-to-face when preferred or operate completely remotely.
Clients can expect clear, concise, and honest communication throughout the entire process—from initial consultation through closing and beyond. We focus on setting expectations upfront, providing time
We offer a no-cost, no-obligation consultation to review available loan products, pricing, fees, and payment options. This allows clients to compare rates and structures without impacting their credit
Our fees are flat, transparent, and fully disclosed from day one. We believe in clear pricing with no hidden costs, ensuring clients understand all lender and third-party fees upfront
Document requirements vary depending on the loan program. As part of our initial consultation, we determine which—if any—documents are needed for your specific loan scenario, ensuring the process is e