WELCOME TO C2 FINANCIAL

If you are looking for a mortgage loan you can trust with a community-based mortgage lender that cares deeply about the people it serves, C2 Financial may be just what you hoped to find. Headquartered in beautiful San Diego, CA, we’ve helped thousands of local and statewide  home buyers through every step of the pre-purchase and financing process, and we understand that our customers are at the heart of our success.

We understand you’re making a commitment in buying a new home or refinancing your mortgage. We will make the commitment to walk you through the entire process, from start to finish.  We believe that lending is more than just processing loans. It’s making sure you have a positive experience and secure a loan that’s well tailored to your circumstances and goals. We are unique in our ability to extend all the mortgage products and financial advisement you’d expect from a large lender or nationwide bank, but with the personal attention you appreciate when working with a local business.

As California’s largest wholesale mortgage lender, we are able to take your unique loan situation and price it out for you at over 85 different investors.  What does this mean to you?  It means you won’ t have to do the work yourself of calling around  numerous different lenders and trying to compare rates and not getting the truth from most of the people you speak to (because they know you are not going to lock in your interest rate today).  Click Here to see a sample of who we work with on the wholesale lending side.

There are three types of mortgage lenders in the market and pricing will vary from each type. FDIC banks (offer retail rates), Mortgage Bankers / Direct Lenders (offer their own retail rates) and wholesale mortgage lenders (offer you wholesale mortgage rates).  Which one do you think is going to have the lowest rates?

We know that despite our best efforts and the government’s best efforts to regulate the mortgage industry, our borrowers are too busy to review every last line of every single document. Our borrowers trust us as their mortgage advisor and that what they are signing is in their best interest. We do not take that responsibility lightly. We do what is in the best interest for you, our client, not what is best for our pocketbook as some other brokers before us have done. We know by doing this, we not only are doing what is morally and ethically right, but we know this belief system will result in our borrowers referring us additional clients, the underpinnings of a long term relationship.

C2 Financial is a privately held mortgage lender, so that means we have access to virtually every single loan program available in today’s mortgage market. Being a wholesale mortgage lender means that my clients get the best rate/loan options available every single time. My clients do not have to go to the bank and deal with all of the nonsense that the banks are putting people through these days.  I have the ability to broker your loan out to the wholesale division of pretty much every big bank in the United States as well as many of the smaller banks / investors and others that offer certain portfolio loan programs that do not fit into the Fannie Mae / Freddie Mac guidelines eliminating the need for you to shop endlessly.  Being a wholesale lender / broker also allows us to find those hard to get loans for clients in certain situations.

C2 Financial is currently licensed in California, Arizona, Colorado, Nevada, Oregon, Washington and Florida.  Derek is only able to do loans in California, however, he can refer you to a colleague in one of the other states if that’s where your loan is to make sure you get the best wholesale mortgage rates.

CA BRE Broker # 01821025 | NMLS # 135622

 

Highlights of C2 Financial
 
  • “A” Rated and Accredited by the Better Business Bureau
  • Members of NAMB (National Association of Mortgage Brokers)
  • FHA/VA approved
  • C2 brokers are seasoned brokers. We do not hire newly licensed loan officers.
  • Many loan officers with C2 have obtained their CMP (Certified Mortgage Planner) or CMPS designation (Certified Mortgage Planning Specialist)
  • Managed by Principals with over 62 years experience in the mortgage industry
  • Former principals of the 2nd Largest Mortgage Broker in the US
  • Our corporate office is available to all clients to intervene in situations when necessary
  • We have strict policies to ensure your confidential information remains confidential
  • Partners with the largest banks in the US
  • Accurate up front rate and closing cost quotes.

 

 

 

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