Low Rates. Easy Applications. Quick Closings
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.
Speak with a Licensed Mortgage Loan Officer Today
Trusted Mortgage Guidance from Experienced Loan Experts
Get personalized mortgage advice you can rely on. Our licensed mortgage professionals provide step-by-step support—whether you’re a first-time homebuyer, refinancing to lower your interest rate, or accessing equity through a cash-out refinance or HELOC. We’ll help you compare FHA, VA, Conventional, and Jumbo loan options so you can make confident, informed decisions and achieve your homeownership and financial goals.
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.C2 NMLS #135622 | C2 CA DRE #01821025 | C2 AL #23303 | C2 AZ #919209 | C2 CO #135622 |
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WI #286678 | WY #107247 TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML’S WEBSITE: SML.TEXAS.GOV.
This Privacy Policy governs the manner in which C2 Financial Corp collects, uses, maintains and discloses information collected from users (each, a User) of the https://myc2lender.com website (Site).
This privacy policy applies to the Site and all products and services offered by C2 Financial Corp.
Personal identification information
We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, subscribe to the newsletter, respond to a survey, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.
Non-personal identification information
We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.
Web browser cookies
Our Site may use cookies to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.
How we use collected information
C2 Financial Corp may collect and use Users personal information for the following purposes:
To improve customer service
Information you provide helps us respond to your customer service requests and support needs more efficiently.
To personalize user experience
We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
To improve our Site
We may use feedback you provide to improve our products and services.
We may use the information Users provide about themselves when placing an order only to provide service to that order. We do not share this information with outside parties except to the extent necessary to provide the service.
To run a promotion, contest, survey or other Site feature
To send Users information they agreed to receive about topics we think will be of interest to them.
To send periodic emails
If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc.
If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email or User may contact us via our Site.
Data will not be shared with third parties for marketing or promotional purposes
How we protect your information
We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.
Our Site is in compliance with PCI vulnerability standards in order to create as secure of an environment as possible for Users.
Third party websites
Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website s own terms and policies.
Compliance with children’s online privacy protection act
Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our Site from those we actually know are under 13, and no part of our website is structured to attract anyone under 13.
Changes to this privacy policy
C2 Financial Corp has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.
Your acceptance of these terms
By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.
Contacting us
If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at:
C2 Financial Corp 12230 El Camino Real Suite 100 San Diego, CA 92130
(619) 540-7065 | [email protected]
This document was last updated on 01/01/2025