30-Year Fixed Rate
Get a quick and easy quote on a 30-year fixed rate mortgage and unlock your financial options.
30 Year Fixed Rate Mortgages
Do I Qualify?
Getting a mortgage doesn’t have to be overwhelming. With our expert mortgage guidance and simple step-by-step home loan process, you’ll gain the knowledge and confidence to qualify for the 30-Year Fixed Mortgage that fits your goals.
Our 30-Year Fixed Rates Are Low & Our Process is Quick & Painless
The 30-Year Fixed Mortgage keeps things simple — your interest rate and monthly mortgage payment stay the same for the life of the loan. It’s a great choice if you plan to stay in your home long term (7+ years) and want the security of predictable housing costs.
If you think you might move or sell your home sooner, an adjustable-rate mortgage (ARM) could be another smart solution, giving you flexibility and potential savings upfront.
Our goal is to make the home loan process easier for you. With the right mortgage tools, expert advice, and step-by-step guidance, we’ll walk you through your options, starting with our 30-Year Fixed Mortgage Qualifier.
We’ll break down the differences between loan programs so you can confidently choose what works best — whether you’re a first-time home buyer, looking to refinance your mortgage, or adding another real estate investment property.
The 30-Year Fixed Rate Mortgage Loan Process
Here’s how our home loan process works:
Loan Application: You complete the loan application with details about your finances and property.
Documentation: We gather supporting documents (W-2s, pay stubs, tax returns, bank statements, etc.).
Pre-Qualification: We review your income, assets, and credit to see what you may qualify for.
Underwriting: An underwriter evaluates your application, documentation, and property appraisal.
Loan Approval & Closing Disclosure: Once approved, we issue your closing disclosure outlining final loan terms and costs.
Home Appraisal: Lender orders an appraisal to confirm the property's value.
Closing & Funding: You sign final documents, the loan funds, and you officially are a new homeowner!
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.
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12230 El Camino Real, Suite 100, San Diego, CA, United States, California
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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.