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See What Our Customers Are Saying

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Tayla V.

Closed Purchase 10 Day Closing!

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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.

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Thalia G.

Cash Out Refinance

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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.

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David P.

VA Purchase

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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.

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.

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.