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With today's historically low rates, now is a great time to get financing. Complete our quick secure application, and we will get you a custom quote with different options and review which one best fits your needs!

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Refinance with Historically Low Rates!


Lower Monthly Payment

Take advantage of today's historically low rates, a lower payment can provide security in uncertain times.

  • Good For
  • icon Extra Monthly Money
  • icon Retirement Savings!
Reduce My Payment

Get Cash Out

If your house has increased in value, you can use that equity to get cash-out, for whatever you need!

  • Good For
  • icon Home Improvement
  • icon Paying high-interest debt
Use My Equity

Shorten Your Loan Term

Rates on 15 year mortgages can make the payment similar but the pay-off years sooner!

  • Good For
  • icon Lower money towards interest
  • icon Paying off the home sooner!
Shorten My Term

Our Satisfied Clients

Welcome to C2 Financial, your Carlsbad Mortgage Broker – Your Gateway to Homeownership

At C2 Financial, your Carlsbad Mortgage Broker, we understand that finding the perfect mortgage solution is the cornerstone of making your dream home a reality. Our dedicated team of experts combines local market knowledge with financial acumen, ensuring every client receives personalized and comprehensive mortgage advice. Start your journey towards homeownership with confidence; partner with a C2 Financial, your Carlsbad Mortgage Broker today.

About Us

Trusted Local Experts - The C2 Financial, your Carlsbad Mortgage Broker Story

With nearly three decades of experience under our belt, C2 Financial, your Carlsbad Mortgage Broker has grown from a boutique agency into Carlsbad's go-to mortgage authority. Our experienced team brings a wealth of knowledge, ensuring that from your first consultation to the closing of your loan, you are supported by professionals who prioritize your financial well-being. Experience the peace of mind that comes with working with the seasoned professionals at C2 Financial, your Carlsbad Mortgage Broker.

At C2 Financial, we see our clients as individuals with unique needs, not just numbers on a page. We reject the one-size-fits-all loan formula of the banking industry, we embrace a "common sense" approach to help you secure the best loan possible. With our partnership, you'll have access to a wide spectrum of "A" rated lenders, from those offering first quality rates to specialized "hardship" lenders.

Our collaboration with over 100 investors empowers us to offer you competitive rates on a diverse range of loan programs. Whether you're looking for a 30-year mortgage, a 10-year mortgage, adjustable-rate mortgages (ARMs), conventional loans, jumbo loans, home equity lines, VA loans, or commercial loans, our  Carlsbad Mortgage Broker team is equipped to tailor a loan strategy that fits your precise needs. We cater to various scenarios, including full documentation, no documentation, non-owner occupied (investor), and multi-family loans.

We are committed to delivering the highest levels of service to assist you in achieving your ownership goals. We value the trust you place in us, and from the initial consultation to the closing of your loan, our C2 Financial, your Carlsbad Mortgage Broker team is dedicated to guiding you every step of the way.

Rates Are Historically Low!

If there was ever a time for refinancing now might be it! With the lowest rates in recorded history use our refinance analysis to see how much you can save!

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C2 Financial Corporation 

Our Services

Comprehensive Mortgage Solutions from C2 Financial, your Carlsbad Mortgage Broker

As your premier Carlsbad Mortgage Broker, we specialize in crafting mortgage solutions tailored to your unique financial landscape. Our services at C2 Financial Corporation are designed with your homeownership success in mind. We navigate the complexities of the mortgage process to bring you an array of options that include:

  • Diverse Loan Programs: From fixed-rate mortgages to adjustable-rate options, including conventional and jumbo loans Mortgage Broker services ensure you find the perfect fit for your long-term financial goals.
  • Refinancing Solutions: Looking to lower your monthly payment or tap into your home's equity? Our Carlsbad Mortgage Broker experts will guide you through the refinancing process to optimize your mortgage terms.
  • Investment Lending: For our investor clients, C2 Financial offers specialized services for non-owner occupied properties, ensuring your investment portfolio grows with solid foundations.
  • Commercial Loans: If your business endeavors require robust financial support, trust C2 Financial to secure commercial loans that align with your company's vision and needs.

Our relationship with over 100 investors allows us to secure the most competitive rates and terms for you. Whether your situation calls for full documentation or more specialized loan structures, we are here to fit your needs. Our service is rooted in a commitment to personal attention and "common sense" lending, standing by your side from the first call to closing.

Why Choose Us

Experience the Carlsbad Mortgage Broker Difference with C2 Financial Corporation

As a leading Carlsbad Mortgage Broker, we pride ourselves on simplifying the mortgage process for you. Our digital mortgage tools are designed to swiftly match you with the best rates, ensuring a fast closing​​. Here's why you should partner with us:

Pre-Qualification Online: Quickly get prequalified through our online system, increasing the likelihood of your offer being accepted and helping you understand your buying range​​.

  • Best Rates Shopping: Our extensive network of lenders means we shop around to find the most favorable rates and loan programs tailored just for you​​.
  • Rapid Funding: Leveraging our expertise, we expedite the funding of your loan, making the process hassle-free so you can secure your dream home without delay​​.Local Expertise: Our intimate knowledge of Carlsbad’s market dynamics means we offer insights and advantages that only a local broker can provide​​.Efficient Processing: We aim to close your loan swiftly, equipped to handle any last-minute challenges​​.
  • Personalized Service: Combining modern technology with traditional customer service, we ensure a seamless and personal experience​​.
  • Cutting-Edge Technology: With the latest online tech, like secure mobile uploading, we keep your process on the leading edge, while still valuing the personal touch​​.

Choose C2 Financial, your Carlsbad Mortgage Broker for a mortgage service that's as dynamic and dependable as the community we serve.


The C2 Financial, your Carlsbad Mortgage Broker Process - Step by Step

Step 1: Introduction - Getting to Know You

The journey to your new home begins with a conversation. At C2 Financial, your Carlsbad Mortgage Broker, we'll start with understanding your goals and answering your questions. This personalized approach sets the foundation for a mortgage plan tailored to your needs​​​​.

Step 2: Pre-Qualification - Gearing Up for Success

Next, we'll guide you through the pre-qualification process. This step is crucial as it helps you understand your buying power and prepares you to make an offer with confidence. With C2 Financial, your Carlsbad Mortgage Broker by your side, you'll know your buying range right from the start​​​​.

Step 3: Loan Options Review - Customizing Your Mortgage

C2 Financial, your Carlsbad Mortgage Broker will present you with a variety of loan options that fit your financial landscape. We'll help you review and choose the best mortgage rate and program, then finalize your application and submit the necessary documents​​​​.

Step 4: Rate Lock - Securing Your Terms

With C2 Financial, your Carlsbad Mortgage Broker, you can shop for your dream home knowing your mortgage rate is locked in. This step assures that you're protected from rate fluctuations during the loan process​​​​.

Step 5: Documentation - Preparing for Approval

We'll work together to round up all necessary documentation for your loan application. Your C2 Financial Broker loan officer ensures every detail is accounted for, leading to a smooth approval process​​.

Step 6: Appraisal and Underwriting - Finalizing the Details

After submitting your application, we'll proceed with the property appraisal and underwriting. Your Loan Officer stays on top of this phase, ensuring all conditions are met and your loan terms are secured​​.

Step 7: Closing - Your Celebration Awaits

The final step is the closing, where you'll sign the paperwork and officially become a homeowner. C2 Financial, your Carlsbad Mortgage Broker celebrates this milestone with you, proud to have provided a stress-free mortgage experience from start to finish​​.

Step 8: Post-Closing - Continued Support

Even after you've moved into your new home, C2 Financial, your Carlsbad Mortgage Broker remains at your service for any further assistance or questions about your mortgage.


We can help you lock in a long term fixed rate and get out of your ARM.

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Loan Office Work Table


There are lots of good reasons to choose an FHA loan.

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Frequently Asked Questions

Q: What does a C2 Financial, your Carlsbad Mortgage Broker do?

A: C2 Financial, acts as an intermediary between borrowers and lenders. We help you navigate the mortgage process, from pre-qualification to closing, ensuring you get the best loan terms suited to your financial situation. Our job is to simplify the complex world of mortgages for you.

Q: Why should I use a C2 Financial, your Carlsbad Mortgage Broker instead of a bank?

A: Working with C2 Financial offers personalized service and access to a wider range of loan products. Unlike banks that only offer their own products, we shop around with various lenders to find the best rates and terms for your unique needs.

Q: How does a C2 Financial, your Carlsbad Mortgage Broker get paid?

A: Typically, mortgage brokers are paid a commission by the lender after the mortgage closes. This fee is a small percentage of the loan amount. Our goal at C2 Financial, your Carlsbad Mortgage Broker is to find you the best deal, and our payment reflects our success in doing so.

Q: What is the difference between pre-qualification and pre-approval?

A: Pre-qualification is an initial assessment of your borrowing power based on self-reported financial information. Pre-approval is a more thorough process where the lender verifies your financial information and credit history, providing a more concrete commitment to lend.

Q: How long does the mortgage process take with a C2 Financial, your Carlsbad Mortgage Broker?

A: The timeline can vary depending on several factors, such as the type of loan, the lender's timeline, and how quickly you can provide necessary documentation. On average, the process can take anywhere from 10 to 30 days.

Q: Can I still get a mortgage if I have a poor credit score?

A: Yes, it's possible. As C2 Financial, your Carlsbad Mortgage Brokers, we work with a variety of lenders, some of whom specialize in lending to individuals with less-than-perfect credit. We can help you explore options such as FHA loans, which are more lenient with credit scores.

Q: What kind of mortgage rates can I expect from a C2 Financial, your Carlsbad Mortgage Broker?

A: Mortgage rates can fluctuate daily and vary based on your personal financial situation. We will use our expertise and network to find the most competitive rates available for you.

Q: How much down payment do I need to have?

A: The down payment requirement varies by loan type. There are conventional loan programs with down payments as low as 3-5%. To avoid private mortgage insurance (PMI) a 20% down payment is required. Government-backed loans like VA and USDA can sometimes offer zero down payment options.

Q: What are the closing costs when working with a C2 Financial?

A: Closing costs can include a variety of fees, such as appraisal, title insurance, and origination fees. They typically range from 2% to 5% of the loan amount. We will provide you with a Loan Estimate detailing these costs early in the process.

Q: How do I start the process with a C2 Financial, your Carlsbad Mortgage Broker?

A: Starting the process is easy. Simply reach out to us through our contact form or by phone. We'll schedule a consultation to discuss your needs and begin the journey toward securing your ideal mortgage.

Our team at C2 Financial Corporation is fast, friendly, experienced and here to help you every step of the process!

Refinance with Historically Low Rates!

Welcome to my site, as an experienced originator, I will work with you to find the best loan to fit your needs. By combining the best of state of the art secure digital tools and good old-fashioned phone or in person communication we will make it a quick, educational experience. I don’t want to just close a loan for you but make a lifetime connection.