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.

APPLY ONLINE

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.”

Get Quote

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.

Get Quote

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.

Schedule A Call

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.

Get My RATE QuoTE NOW

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.

Schedule A Call

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

NMLS Consumer Access

ADA Accessibility Statement

Terms and Conditions

CONTACT US

12230 El Camino Real, Suite 100, San Diego, CA, United States, California

(619) 540-7065

[email protected]

SSL CERTIFICATE

Licensing & Disclosure

GLRJ Consulting Inc, doing business as MyC2Lender, is an independent marketing and service platform affiliated with C2 Financial Corp.

All mortgage loans are originated through C2 Financial Corp (NMLS #135622), a licensed mortgage broker.

Texas Consumers Notice:
Consumers wishing to file a complaint against a mortgage company or residential mortgage loan originator licensed in Texas should submit a completed complaint form to the Department of Savings and Mortgage Lending (SML):
2601 N. Lamar Blvd., Suite 201, Austin, TX 78705
Telephone: 1-877-276-5550
Website: https://sml.texas.gov

Effective Date: January 1, 2025

This website, https://myc2lender.com ("Site"), is operated by GLRJ Consulting Inc, an independent entity affiliated with C2 Financial Corp. This Privacy Policy governs the manner in which GLRJ Consulting Inc ("Company," "we," "us," or "our") collects, uses, maintains, and discloses information collected from users ("User" or "you") of this Site.

Mortgage-related services offered through this website are provided in affiliation with C2 Financial Corp (NMLS #135622). GLRJ Consulting Inc operates as a marketing and service platform and does not directly fund or originate mortgage loans.

Information We Collect

We may collect personal identification information from Users in a variety of ways, including when Users visit our Site, fill out a form, subscribe to communications, or interact with services offered on the Site. This may include:

Name

Email address

Phone number

Property or financial-related information voluntarily provided

Users may visit the Site anonymously. We only collect personal information if it is voluntarily submitted.

We may also collect non-personal identification information such as browser type, device type, operating system, and internet service provider.

How We Use Information

We may use collected information for the following purposes:

To respond to inquiries and provide customer support

To connect Users with mortgage-related services through C2 Financial Corp

To improve the Site and user experience

To send periodic emails or communications related to services, updates, or offers

We do not sell, trade, or rent Users’ personal identification information to others.

Sharing of Information

We may share User information with:

C2 Financial Corp for the purpose of providing mortgage-related services

Service providers assisting in operations (e.g., CRM, communication tools)

Data will not be shared with third parties for marketing or promotional purposes outside of service-related needs.

Cookies and Tracking

The Site may use cookies to enhance User experience. Users may choose to set their browser to refuse cookies, though some parts of the Site may not function properly.

Data Security

We implement reasonable security measures to protect against unauthorized access, alteration, disclosure, or destruction of personal information.

Third-Party Websites

The Site may contain links to third-party websites. We are not responsible for the content or practices of those websites.

Children’s Information

This Site is not intended for individuals under the age of 13, and we do not knowingly collect information from children.

Changes to This Policy

We may update this Privacy Policy at any time. Users are encouraged to review this page periodically for changes.

Contact Information

GLRJ Consulting Inc
dba MyC2Lender

Mortgage services provided through:
C2 Financial Corp
12230 El Camino Real Suite 100
San Diego, CA 92130

(619) 540-7065
[email protected]

Effective Date: January 1, 2025

These Terms of Service ("Terms") govern your use of https://myc2lender.com (the "Site"), operated by GLRJ Consulting Inc.

By accessing or using this Site, you agree to be bound by these Terms.

Nature of Services

MyC2Lender is a marketing and service platform operated by GLRJ Consulting Inc, an independent entity affiliated with C2 Financial Corp.

GLRJ Consulting Inc does not directly originate, fund, or service mortgage loans. All mortgage-related services are provided through C2 Financial Corp (NMLS #135622) and its licensed loan originators.

No Financial Advice

Information provided on this Site is for informational purposes only and should not be considered financial, legal, or tax advice. Users should consult appropriate professionals before making financial decisions.

User Responsibilities

By using this Site, you agree:

To provide accurate and truthful information

Not to use the Site for unlawful purposes

Not to attempt to gain unauthorized access to systems or data

Communications

By submitting your information, you consent to be contacted by GLRJ Consulting Inc and/or C2 Financial Corp via phone, email, or other communication methods regarding your inquiry.

Limitation of Liability

GLRJ Consulting Inc is not liable for any direct, indirect, incidental, or consequential damages resulting from the use of this Site or reliance on information provided.

Third-Party Services

The Site may include links or integrations with third-party services. We are not responsible for their content or practices.

Intellectual Property

All content on this Site, including text, graphics, and branding, is the property of GLRJ Consulting Inc unless otherwise stated.

Modifications

We reserve the right to modify these Terms at any time. Continued use of the Site constitutes acceptance of those changes.

Governing Law

These Terms shall be governed by the laws of the State of California.

Contact Information

GLRJ Consulting Inc
dba MyC2Lender

Mortgage services provided through:
C2 Financial Corp
12230 El Camino Real Suite 100
San Diego, CA 92130

(619) 540-7065
[email protected]