Terms and Conditions

At C2 Financial, we specialize in providing personalized mortgage solutions tailored to your unique financial goals. Our team of experienced mortgage professionals is dedicated to guiding you through every step of the home financing process — from pre-approval to closing. We work with a wide range of loan programs, including FHA, VA, Conventional, Jumbo, and Cash-Out Refinance options, to ensure you receive the most competitive mortgage rates and terms available. Whether you’re a first-time homebuyer or looking to refinance your current mortgage, we’re here to make your path to homeownership seamless, simple, and stress-free.

Welcome to Gilbert Ramos | C2 Financial. Please read these Terms and Conditions carefully before using our website located at


and the services we offer. By accessing or using our Site, you agree to comply with and be bound by these terms. If you do not agree with any part of these terms, please refrain from using our Services.

1. Acceptance of Terms

By accessing or using our Services, you affirm that you are at least 18 years old and capable of entering into legally binding agreements. If you are using our Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Changes to Terms

We reserve the right to modify or replace these Terms at any time. We will provide notice of these changes by updating the “Last Updated” date at the top of this page. Continued use of the Services after such changes constitutes your acceptance of the new Terms.

3. Use of the Services

Eligibility: You must be at least 18 years old to use our Services. By agreeing to these Terms, you represent and warrant that you meet this eligibility requirement.


License: We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use, subject to these Terms.


Prohibited Activities

You agree not to:

Use the Services for any unlawful purpose.

Attempt to gain unauthorized access to any part of the Services.

Interfere with the proper functioning of the Services.

Use automated means to access the Services without our permission.

Upload or transmit any harmful or malicious code.

4. User Accounts

Registration: To access certain features of the Services, you may need to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate.

Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. Notify us immediately of any unauthorized use of your account.

Intellectual Property: All content, trademarks, service marks, and logos displayed on the Site are the property of Gilbert Ramos | C2 Financial or their respective owners. You may not use, reproduce, or distribute any of our intellectual property without our prior written consent.

5. Intellectual Property

All content, trademarks, service marks, and logos displayed on the Site are the property of Gilbert Ramos | C2 Financial or their respective owners. You may not use, reproduce, or distribute any of our intellectual property without our prior written consent.

6.Disclaimers

No Financial Advice: The information provided on the Site is for informational purposes only and does not constitute financial, legal, or professional advice. Always consult with a qualified professional before making financial decisions.

Service Availability: We strive to provide continuous and uninterrupted access to the Services but do not guarantee that the Services will always be available, error-free, or secure.

7.Limitation of Liability

To the fullest extent permitted by law, Gilbert Ramos | C2 Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, arising from your use of the Services.

8. Indemnification

You agree to indemnify, defend, and hold harmless , its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your access to or use of the Services.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of 12230 El Camino Real, Suite 100, San Diego, CA, United States, California, without regard to its conflict of law principles.

10. Termination

We reserve the right to terminate or suspend your access to the Services, without prior notice or liability, for any reason, including if you breach these Terms.

11. Contact Us

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at:

Phone: (619) 500-4562
Email: [email protected]

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.