C2 Financial Corp provides borrowers with a personalized loan experience. We work with our clients one-on-one to find the best loan solution for their unique needs. Whether you're looking to purchase a new home or refinancing an existing mortgage, we can help. As of September 13th 2022, C2 has helped 85,139 families with their home financing. Contact us today to get started!

Purchase and Refinance For All Programs

Conventional Loans

Conventional Jumbo Loans

FHA and VA Loans

HECM Reverse Mortgage

Jumbo Reverse Mortgage

NON-QM Loans

simplifying the home loan process 

At C2 Financial Corp, we believe that each person is unique and deserves a mortgage that reflects their specific needs and goals. We offer a wide range of mortgage products and services, so you can find the perfect solution for your unique situation. Start your application today to see what's possible!


C2 Financial Corp is a full-service mortgage company helping people get pre-approved for their home loans. We've all heard stories of offers with loan contingencies that did not include a pre-approval certificate not even being looked at. Don't risk having your offer not being considered. We have many loan options available, and with our Pre-Approval and one of our Quick Close Loans, you can make a purchase offer with greater confidence.


C2 Financial Corp offers a variety of mortgage programs and interest rates to meet the needs of home buyers and refinancers in California. Whether you're looking for a conventional, HECM Reverse, FHA, or VA loan, we have a program that's perfect for you. We also offer competitive rates on, Jumbo VA, Jumbo Reverse, Jumbo Conventional, HELOC loans, Commercial and Investment Property Mortgages.


C2 Financial Corp is dedicated to providing the best possible home loan experience for each and every one of our clients. We understand that everyone's situation is unique, so we offer a variety of mortgage products and services to choose from. Whether you're a first-time homebuyer, need to refinance your current loan, or are looking for a commercial property loan, we have tools designed to give you an advantage in today’s marketplace.


Are you 55+ and in need of additional monthly Tax-Free cash flow? Or would you like to bolster your retirement?

A reverse mortgage is a unique type of loan that allows seniors to tap into the equity in their homes to supplement their retirement income. Unlike a traditional mortgage, a reverse mortgage does not require monthly payments, and the loan does not have to be repaid until the borrower moves out of the home or dies. This makes reverse mortgages an attractive option for seniors who want to stay in their homes but need extra income to cover expenses. And because you are not qualifying for a mortgage payment, qualifying is easy.

Reverse Mortgage Videos

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 reverse mortgage

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Reverse Mortgage

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the hecm payment plans..
your choice

Conventional Mortgage Calculator



Looking to buy, sell or refinance a property? C2 Financial Corp has the latest market intel to help you make the right decision. Our free 8-page Property Estimate Report is packed with valuable information on local property values and recent activity, so you can make informed decisions about your next real estate transaction.  

C2 Financial Corp is a leading reverse mortgage company. Our glossary of reverse mortgage terms will help you understand everything from interest rates to loan amounts. We're here to help you get the most out of your reverse mortgage.

C2 Financial Corp is a leading reverse mortgage lender. We offer a variety of reverse mortgage products, including the Home Equity Conversion Mortgage (HECM), which is FHA-insured and allows homeowners to access their home equity without having to sell their home. Our knowledgeable and experienced team can help you determine whether a reverse mortgage is the right solution for you. When you have time grab a cup of coffee and check out our Reverse Mortgage Guide. 

Turning your home equity into cash can help pay bills and preserve other savings and investments. But they’re complicated, and not for everyone. 


C2 Financial Corp is a leading mortgage lender that offers a wide range of mortgage loans to suit the needs of homebuyers and property investors. We are committed to providing exceptional customer service and competitive rates, and our team of experienced lenders is dedicated to helping you find the right loan for your needs.


No time to deal with the income paperwork? Try our No Income, No Employment, NO P&L, No DTI and No Pre-Payment Penalty Loan.

Vet with a Non-Vet, non-spouse, co-borrower

The Non-Vet could be a family member or friend. Jumbo
VA Loans to $4,000,000

Okay for 1 to 4 Unit Properties

1099 Only Qualifying  is 24-months average

 10% Expense Factor Minimum FICO 660, 2-year history with 1099 income. Up to 90% LTV on Purchase, Loan Amount Up to $3,000,000

fha kickstarter loan purchase & refinance

550 Minimum FICO Credit Score - 3.5% Down Payment For Purchase
Gift Funds OKAY Purchase Loan


In The Spotlight...
"The No Income Loan"


Why work with big banks and corporations when independent mortgage professionals provide faster closings, better service and lower rates? 

  • We shop multiple lenders to find the best rate and product for your needs, not ours
  • We can get you to the closing table and into your dream home faster (20 days or less)
  • We offer wholesale interest rates — some of the lowest in the industry
  • We’re experts at mortgages — because it’s all we do!
  • We offer technology that lets you apply for your mortgage anywhere and track your loan progress all the way to closing!

We'd love to hear from you!

Moe Nelson
Mortgage Loan Advisor
Retirement Mortgage Specialist

Office: (424) 225-2167

2017 W Lomita Blvd. 2041
Lomita, CA 90717

Corporate Offices
10509 Vista Sorrento Pkwy, Suite 400
San Diego, CA 92121

With over 30 years of experience, C2 Financial is a top mortgage broker in the nation.


 Moe Nelson - Forward & Reverse Mortgage Loan Advisor - NMLS #992923 - BRE #00582319 This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Bureau of Real Estate, Broker # 01821025; NMLS # 135622. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower.   Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions.  C2 Financial Corporation has the ability to broker VA loans based on their relationship with VA approved lenders. C2 Financial Corporation is not acting on behalf of or at the direction of HUD/FHA or the VA. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender.