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.

Terms & Conditions | Gilbert Ramos | C2 Financial

Terms & Conditions

Last Updated: November 5, 2025

Welcome to Gilbert Ramos | C2 Financial. Please read these Terms carefully before using our website at https://myc2lender.com. By accessing or using our Site, you agree to be bound by these terms. If you do not agree, please do not use our Services.

1. Acceptance of Terms

By using our Services, you confirm you are at least 18 years old and capable of entering a binding contract. If acting on behalf of an entity, you have authority to bind it.

2. Changes to Terms

We may update these Terms at any time. Changes are effective upon posting. The “Last Updated” date will reflect this. Continued use means acceptance.

3. Use of Services

  • License: Limited, non-exclusive, revocable right to use for personal, non-commercial purposes.
  • Prohibited: No unlawful use, hacking, scraping, viruses, or interference with the Site.

4. User Accounts

You are responsible for your account security and all activity under it. Notify us immediately of unauthorized use at [email protected].

5. Intellectual Property

All content, logos, and trademarks are owned by C2 Financial Corporation or licensors. No reproduction without written consent.

6. Financial & Mortgage Disclosures

NMLS #135622 | C2 Financial Corporation is a licensed mortgage broker. All loan information is for illustrative purposes only. We do not provide financial advice. Consult a professional before deciding.

NMLS Consumer Access | Equal Housing Lender

7. Disclaimers

Services are provided “as-is.” We do not guarantee availability, accuracy, or security. Rates and terms subject to change.

8. Limitation of Liability

To the fullest extent permitted by law, C2 Financial is not liable for indirect, incidental, or consequential damages arising from use of the Services.

9. Indemnification

You agree to defend and hold harmless C2 Financial Corporation, its officers, and agents from any claims related to your use of the Services.

10. Arbitration & Class Action Waiver

Any dispute will be resolved by binding arbitration in San Diego, CA under AAA rules. No class actions. You may opt out within 30 days by emailing [email protected].

11. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles.

12. Termination

We may suspend or terminate access at any time for any reason, including breach of these Terms.

13. Contact Us

Gilbert Ramos
Phone: (619) 540-7065
Email: [email protected]
Address: 12230 El Camino Real, Suite 100, San Diego, CA 92130

Privacy Policy | SMS Terms

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.C2 NMLS #135622 | C2 CA DRE #01821025 | C2 AL #23303 | C2 AZ #919209 | C2 CO #135622 |

C2 FL #MBR3519/MLD2635 | C2 ID #MBL-9475
C2 KS #MC.0025884 | C2 MI #FL0023565/SR0023566 | C2 NE #135622 | C2 NM #135622 | C2 OH #RM.804919.000 | C2 OK #MB014489 | C2 OR #ML-4917
C2 PA #104755 | C2 TN #135622 | C2 TX #135622 | C2 UT #13748829 | C2 WA #MB-135622 | C2 WI #135622BA/135622BR | C2 WY #4612/CL-4631
NMLS #286678 | CA DRE #01351284 | AL #286678
AZ #LO-2001557 | CO #100539117 | FL #LO131775 | ID #MLO-2080286678 | KS #LO.0052924 | MI #286678 | NE #286678 | NM #286678
OH #MLO-OH.286678 | OK #MLO34253 | OR #286678 | PA #109151 | TN #286678 | TX #286678 | UT #14203019 | WA #MLO-286678
WI #286678 | WY #107247
TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML’S WEBSITE: SML.TEXAS.GOV.

 

This Privacy Policy governs the manner in which C2 Financial Corp collects, uses, maintains and discloses information collected from users (each, a User) of the
https://myc2lender.com website (Site).

This privacy policy applies to the Site and all products and services offered by C2 Financial Corp.

Personal identification information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, subscribe to the newsletter, respond to a survey, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

Web browser cookies

Our Site may use cookies to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

How we use collected information

C2 Financial Corp may collect and use Users personal information for the following purposes:

To improve customer service

Information you provide helps us respond to your customer service requests and support needs more efficiently.

To personalize user experience

We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.

To improve our Site

We may use feedback you provide to improve our products and services.

We may use the information Users provide about themselves when placing an order only to provide service to that order. We do not share this information with outside parties except to the extent necessary to provide the service.

To run a promotion, contest, survey or other Site feature

To send Users information they agreed to receive about topics we think will be of interest to them.

To send periodic emails

If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc.

If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email or User may contact us via our Site.

Data will not be shared with third parties for marketing or promotional purposes

How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

Our Site is in compliance with PCI vulnerability standards in order to create as secure of an environment as possible for Users.

Third party websites

Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website s own terms and policies.

Compliance with children’s online privacy protection act

Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our Site from those we actually know are under 13, and no part of our website is structured to attract anyone under 13.

Changes to this privacy policy

C2 Financial Corp has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Your acceptance of these terms

By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

Contacting 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:

C2 Financial Corp 12230 El Camino Real Suite 100 San Diego, CA 92130

(619) 540-7065 | [email protected]
This document was last updated on 01/01/2025