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Mortgage brokers are often referred to as “mom and pop” mortgage operations. That is because the average mortgage brokerage is very small, having only one, or just a few, originators. But C2 Financial is not your typical mortgage broker and it’s a place where the words “mom and pop” do not apply. With more than 500 originators closing well over $1billion in loans annually, C2 Financial is one among the largest mortgage brokers in the U.S.
C2 Financial is a mortgage brokerage/banker based in San Diego, Calif. We maintain approximately 50 wholesale lender relationships and focus our state approvals in the West, including Arizona, California, Colorado, Nevada, Oregon and Washington, not to mention, we have a great group in Florida and Texas as well. We work with self-sufficient, seasoned originators who hold ethics and compliance in the highest regard, but don’t need or want a lot of hand-holding. Most of our folks are with us because, other than compliance—which we are strict on—we stay out of their way. And because of our real estate loan loan volume, we have access to some of the most competitive wholesale real estate loan rates, and preferred service with our lenders. In fact, when talking with prospective originators, we frequently are asked to do a rate comparison. Nine out of 10 times, our rates are superior—and not by a little. It is the combination of our rates, relationships and resources that allow C2 originators to provide the best pricing and service to their Realtor partners and clients, which create clients and Realtor partners for life, critical to a career originator’s success.
We are here for our customer.
Our philosophy is this, which I’ll paraphrase from our manual: Our titles vary. We are mortgage consultants, we are loan originators, we are real estate loan officers, and we are mortgage brokers. What does not vary is that, every day, borrowers entrust us with one of the most important financial decisions of their life that, if not executed properly, can have long-lasting repercussions as was witnessed in 2008 during the mortgage meltdown. We do not take that responsibility lightly. We do what is best for the client, not what is best for our pocketbook, as some brokers before us have done. We know by doing this, we not only are doing what is morally and ethically right, but we know this belief system will result in our borrowers referring us additional clients, the underpinnings of a long-term business model.
Excerpts from an interview with Brian Kent, General Manager | C2 Financial BY DAVID J. COSTER
Call us today at 424 225 2167! One of our mortgage professionals will help you get the best possible loan solution for your situation. We’ll be with you every step of the process and not hand you off to someone else.