Trusted Mortgage Solutions for Homebuyers & Homeowners
Whether you’re buying a new home, refinancing your mortgage, or exploring home loan options, we provide personalized mortgage solutions to help you reach your financial and homeownership goals. Our team will guide you through every step of the mortgage process with clarity and confidence.
Backed by 36+ Years of Mortgage Excellence
Welcome to C2 Financial – Your One-Stop Shop for Smarter, Faster Mortgage Solutions
With over 36 years of experience in the mortgage industry, C2 Financial is one of the largest and most trusted mortgage brokerages in the nation.
We provide free mortgage pre-qualification and offer a wide range of loan programs including FHA loans, VA home loans, Conventional mortgages, Jumbo loans, Cash-Out Refinance, HELOCs, and Home Equity Line of Credit options.
We specialize in helping first-time homebuyers, real estate investors, and homeowners with all credit profiles—offering competitive mortgage rates, flexible loan solutions, and fast closings.
Our reputation for transparency, speed, and results has earned us 4.9-star reviews on Zillow and Google. Whether you’re looking for a no-cost mortgage, a no-point loan, refinancing to consolidate debt, or financing your next property investment, our team has the expertise and lender network to deliver the best possible outcome.
Our Loan Process
PRE-APPROVAL
“Get pre-approved for a mortgage today. A home loan pre-approval strengthens your offer and gives you an edge in the home buying process.”
HOUSE HUNTING
“With your mortgage pre-approval letter in hand, you can begin house hunting with confidence. Start searching homes for sale and find the perfect property that fits your budget and lifestyle.”
ACCEPTED OFFER
“Once your home offer is accepted, the mortgage process officially begins. Your realtor will guide the contract, and we’ll get to work securing your home loan and moving you toward closing.”
UNDERWRITING
“After we collect your required loan documents, your mortgage file is submitted to underwriting. The underwriter reviews everything for approval, moving you closer to a Clear to Close and final loan approval.”
CLOSING
“The title company will schedule your closing date, where you’ll sign final loan documents and complete the home buying process. This is the last step before getting the keys to your new home.”
MOVE IN!
“Congratulations! After closing on your mortgage, it’s time to move into your new home. Start enjoying homeownership and the benefits of your mortgage loan right away.”
READY FOR A QUICK QUOTE?
“Get fast and customized mortgage quotes online with C2 Financial. Our streamlined, 100% digital mortgage application makes the pre-approval and approval process quick and seamless. Whether you’re buying a home, refinancing, or exploring loan options like FHA, VA, Conventional, or Jumbo loans, we provide competitive mortgage solutions tailored to your needs. With C2 Financial, you can trust that we’ll support you every step of the home loan process.”
Close on your home loan in just 15–21 days — or access cash-out refinance funds in as little as 7 days with C2 Financial’s fast mortgage process.
Get an instant, personalized mortgage quote with no impact on your credit score. Our streamlined, 100% online mortgage application makes it simple to compare FHA, VA, Conventional, and Jumbo loan options. Move from pre-approval to closing quickly—typically in just 15–21 days for home purchases and as fast as 7 days for cash-out refinance loans. With C2 Financial, you’ll access your funds quickly and use them for debt consolidation, home improvements, or any financial goal.
6 Ways We Help You Lock in Lower Rates
. . .
Work with our experienced team of Mortgage Advisors to navigate the home buying or mortgage refinancing process quickly, efficiently, and with confidence. Whether you’re exploring FHA loans, VA loans, Conventional loans, or Jumbo financing, we provide personalized mortgage solutions to fit your goals. From pre-approval to closing, C2 Financial delivers expert guidance, competitive rates, and a faster path to homeownership or refinancing success.
Secure Your Home
Purchase Loan
Take advantage of today’s competitive mortgage rates — it’s the perfect time to buy a home! Our team will guide you through the home loan process, helping you apply, compare, and select the best mortgage option. Whether you’re a first-time homebuyer or upgrading to your next property, we’ll make your dream of homeownership an affordable reality.
Refinance for Better
Rates
Unlock savings with today’s competitive mortgage rates.
By refinancing your home loan, you could lower your monthly mortgage payment, reduce the total interest paid over the life of your loan, or even shorten your term. The extra money in your pocket can be used for debt consolidation, home improvements, or future investments.
Get Your Loan Funded Faster
Tired of lenders giving you the runaround? At C2 Financial, we specialize in fast mortgage approvals and quick funding so you never miss out on the home you want. Our team works efficiently to move your loan from application to closing with speed and transparency. Let us help you secure your new home without delays.
Evaluate Your Property
Know exactly where you stand.
With an up-to-date property value evaluation, you’ll be better equipped to choose the mortgage or refinance loan terms that fit your financial goals. Don’t miss the chance to use your home’s equity to your advantage — whether it’s lowering your monthly payments, consolidating debt, or funding important projects.
Get a Cash-Out Refinance
Unlock the power of your home’s equity with a cash-out refinance. Use your funds for debt consolidation, home improvements, or major expenses—while putting your mortgage to work for you. Don’t wait—opportunities like this can help you reach your financial goals faster.
Get Your Mortgage Rate Quote in Just 30 Seconds!
Mortgage rates can change daily, and your exact rate depends on your credit, income, loan type, and location. Get your FREE personalized mortgage rate comparison today—see the best options tailored to your financial goals.
Our clients are the foundation of our success.
See What Our Customers Are Saying
Tayla V.
Closed purchase in 10 day closing
⭐⭐⭐⭐⭐
From application to closing, the process with Gilbert Ramos and C2 Financial was seamless and transparent. We appreciated how clear every step was and how responsive the team was when we had questions. The online application was straightforward, and updates came in a timely, non-pushy manner. Our loan officer explained options clearly, helping us choose the right loan product for our situation. The underwriting and closing phases stayed on track, with proactive communications that kept us confident and informed. On the day of closing, everything went smoothly, and the funds were disbursed without hiccups. Overall, a stress-free mortgage experience that delivered on everything promised. Highly recommend for a reliable, client-focused process.
Thalia G.
Cash Out Refi
⭐⭐⭐⭐⭐
We recently completed a cash-out refinance with Gilbert Ramos and C2 Financial, and the experience was excellent from start to finish. The team walked us through our options, explained the benefits and trade-offs in plain language, and helped us pick the best path for our financial goals, all while moving quickly with regular updates. Communication was clear and timely, costs were transparent with no surprises, and the closing process was smooth thanks to professional handling by Title and escrow. We left with extra cash and a clear repayment plan, feeling confident and well-supported throughout. Highly recommend Gilbert Ramos and C2 Financial for a painless, customer-focused cash-out refinance.
David P.
VA Purchase
⭐⭐⭐⭐⭐
We recently closed on a VA home loan with Gilbert Ramos and C2 Financial, and the entire experience was outstanding from start to finish. The team explained every VA benefit and qualification detail in clear, jargon-free language, helped us navigate the process smoothly, and kept communication steady and reassuring throughout. Our loan officer was patient and responsive, guiding us through the required documentation and timelines, while the underwriting and closing teams handled everything efficiently to avoid delays. The funding came through on schedule, with no surprises, and we felt confident knowing the loan terms were tailored to our military service and financial situation. Highly recommend Gilbert Ramos and C2 Financial for a respectful, veteran-focused close that makes homeownership attainable and stress-free.
Connect with a Mortgage Expert Instantly!
Get Expert Mortgage Advice You Can Trust
Receive personalized guidance from experienced mortgage professionals. Whether you’re buying your first home, refinancing to lower your rate, or tapping into your home equity with a cash-out refinance or HELOC, our loan experts are here to walk you through the process step by step—so you can make confident, informed decisions about your financial future.
C2 Financial has been in business for over 36 years and is now one of the largest and most respected mortgage brokerages in the country. Our success comes from consistently offering some of the lowest rates available while delivering outstanding customer service.
We pride ourselves on treating every client with honesty, integrity, and transparency. Whether you have perfect credit, less-than-perfect credit, or unique financing needs, we offer a full range of programs—FHA, VA, Conventional, Jumbo, Cash-Out, Debt Consolidation, and more. If there’s a way to get it done, we’ll find it.
Loan Options
Resources
CONTACT US
12230 El Camino Real, Suite 100, San Diego, CA, United States, California
SSL CERTIFICATE
Gilbert Ramos | C2 Financial Corporation Licensed in multiple states. NMLS #135622. CA DRE #01821025 | AL #23303 | AZ #919209 | AR #129945 | CO DRE | FL #MBR3519 | HI #HI-135622 | ID #MBL-9475 | IL #MB.67618115 | KS #135622 | KY #MC809104 | LA #135622 | MI #FL0023565 / SR0023566 | MN #MN-MO-135622 | MS #135622 | MT #135622 | NE #135622 | NV #3260 | NM #135622 | OH #RM.804919.000 | OK #MB014489 | OR #ML-4917 | SC #135622 | SD #135622.ML | TN #135622 | TX #135622 | WA #MB135622 | WY #4612. Loan approval not guaranteed; subject to lender’s written approval and borrower meeting all conditions. Rates may vary. C2 is an Equal Opportunity Mortgage Broker/Lender. Not individually approved by FHA/HUD but may originate FHA loans via approved lenders. Texas Consumers: For complaints, contact Texas Dept. of Savings and Mortgage Lending: 2601 North Lamar, Ste 201, Austin, TX 78705 | www.sml.texas.gov | Hotline: (877) 276-5550. Recovery fund info available on website.