I have a C4C loan that I used for down payment assistance on my first home. I am paying it off early by making extra principal payments, but I have to check my statement every month because they misapply the extra payments. About every other month, I have to call or email them to ask them to put the entire excess amount to principal only (even though I clearly specify when I mail the payment) because they put my extra payment to more interest instead of more principal. Typically when I email them, I don't even receive a reply when it has been fixed, I just have to keep checking my account or try to call them. It was very difficult to reach anyone during covid the past two years. I have been dealing with the misapplied payments now for over 3 years.
If you have a loan with them and make additional principal payments, check your statement religiously or you could just be paying more in interest.
The pros of this company is that I did receive a down payment loan which enabled me to purchase a home. The interest rate I received was low and I am grateful to have my home. Would recommend as a loan service BUT just be very careful they don't take your extra payments and keep them when you are intending to pay down principal.