Make Your Dream Home a Reality

Discover customized mortgage solutions that align with your financial goals. From first-time buyers to seasoned homeowners, we’re here to guide you every step of the way toward successful homeownership.

Congratulations! You're

ready to buy a home

Do I Qualify?

To qualify for a mortgage, lenders typically require that you have a debt-to-income

ratio of “43/49.” This means that no more than 43% of your total monthly income

(from all sources, before taxes) can go toward your new mortgage payment, and

no more than 49.99% of your monthly income can go toward your total monthly

debt (including your mortgage payment). VA and FHA loans even allow for higher

debt ratios on a case by case basis.

Mortgage Home Purchase Loans without the Hassle!

Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

The Home Purchase Loan Process

Here’s how our home purchase loan process works:

  • Set Your Budget: Estimate how much you can afford using mortgage calculators.

  • Check Your Credit: Ensure your credit score is strong to get better loan terms.

  • Get Pre-Approved: Secure a pre-approval letter from a lender to strengthen your offer.

  • Find a Home: Work with a realtor to find and make an offer on a home.

  • Submit Loan Application: Provide financial documents to formally apply for the loan.

  • Loan Processing: The lender verifies your info and appraises the home.

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.

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.