Refinance and Unlock New Savings
Lower your monthly payments, access equity, or shorten your loan term.
Our refinancing options are designed to help you save and maximize your mortgage.
Congratulations! You're ready to Refinance your home loan
Why Refinance?
Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage. You may also refinance to take cash out from your home’s equity.
Home Refinance 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:
Evaluate Your Goals: Identify why you want to refinance (lower rates, change terms, access equity).
Check Your Credit: Ensure your credit score is strong for better rates.
Research Lenders: Compare rates, terms, and fees from different lenders.
Get Pre-Approved: Apply for pre-approval to understand your borrowing capacity.
Submit Application: Complete the application and provide required documentation.
Home Appraisal: The lender conducts an appraisal to assess your home's value.
Loan Processing: The lender reviews your application and verifies information.
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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CONTACT US
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.