Top Rated california mortgage lender

LOW RATES. LOW FEES. FAST CLOSINGS.

Dennis at C2 is committed to helping his clients reduce much of the stress associated with home financing transactions. Assisting navigation through an often complex and emotional process, Dennis ensures a level of preparedness to walk through the steps correctly to secure your finance. 

Welcome!

Dennis Sakofsky

C2 Mortgage Loan Officer California
MLO NMLS #1711774 | BRE #01807911
C2 NMLS: 135622 C2 DRE: 01821025
Contact
Call anytime!
Location
San Diego,
CA 92101
Expert Guidance
Over 20 Years' Experience. We Find The Right Mortgage For You.
” We match your financial situation to the right lender and home loan for you. “
Dennis Sakofsky
California Mortgage Loan Officer
Signature

C2 Financial Corporation is a mortgage brokerage based out of San Diego, California. Founded in 2009 by management with combined industry experience of over 70 years, the company boasts over 900 originators and is licensed in 10 states.

The company has over 100 wholesale lender relationships, giving its clients access to virtually every possible loan program on the market. Due to its size, the company receives preferred pricing and service from its wholesale lending partners resulting in superior pricing and experience for its clients.

In 2018, the company was listed by Mortgage Executive Magazine as the ‘Top Mortgage Broker in the Country’ and as one of the ’50 Best Companies to Work For’ in addition to being featured in the National Mortgage Professional Magazine, and has published several articles in the Scotsman Guide, a key industry publication.

Borrowers like you entrust us with one of the most important financial decisions of your life, that if not executed properly can have long-lasting repercussions as was witnessed in 2008 during the mortgage meltdown.

At C2, we know that despite our best efforts and the government’s best efforts to regulate the mortgage industry, our borrowers are too busy to review every last line of every single document. Our borrowers trust us as their mortgage advisor and that what they are signing is in their best interest.

We do not take that responsibility lightly. We do what is in the best interest for you, our client, not what is best for our pocketbook as some other 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 foundationof a long term relationship.

We Find The Loan That is Right for You

Conventional loans are a popular mortgage in California for people who have a steady income and an established credit score.

Conventional loans are the most popular type of mortgage in California thanks to no upfront mortgage insurance and quick underwriting process. A conventional loan is a great option for anyone that wants to put down as little as 5%, has a steady income, and an established credit score! Learn more about conventional loan limits in California below.

FHA Loans

FHA Loans in San Diego and California are a great option for first-time homebuyers.

FHA loans are a great option for people who cannot afford to put down more than 3.5% of the purchase price, have gone through financial hardships like foreclosure or bankruptcy, and want an affordable monthly payment. The Federal Housing Administration backs these mortgages and they come with mortgage insurance built in!

Jumbo Loans

A jumbo loan in California provides you lower rates for large purchases.

Jumbo mortgage loans are designed to provide financial options for people who want to buy a home above the conforming loan limit of $548,250 to $822,375 (depending on your county) for 2021. 

A jumbo loan in California offers competitive rates with additional benefits that can provide you more purchasing power and leverage. This program is great for those looking to finance a more expensive property and access the maximum financing available without having any problems qualifying under normal guidelines.

First Time Homebuyer Programs

First time home buyer programs California can make your first home purchase affordable.

Down payment requirements and high-interest rates shouldn’t stop you from purchasing your first home! We offer a variety of programs for first time homeowners in San Diego and California.
Our first time home buyer programs in California offer low interest rates and don’t require a high credit score or large downpayment. Learn more by visiting our first time homebuyer page below.

Refinancing Loans

Refinancing presents a way to lower your monthly payments, extend the length of your loan, or combine both.

The economy is improving, but why does it still feel hard to make ends meet? Is the mortgage you took out before the recession to buy your home holding you back? Whether you’re looking to lower your monthly payments, stretch your budget, pay off debts that are due, find some extra cash or want a combo that solves all these problems – our mortgage refinancing options can provide you with the financial freedom you deserve.

VA Loans

San Diego VA loans offer Unbeatable benefits for veterans.

To many Americans, the VA loan program is an absolute dream. Backed by the U.S. Department of Veterans Affairs, VA loans are designed to help active-duty military personnel, veterans and certain other groups become homeowners at an affordable cost without any down payment or mortgage insurance required in addition to being lenient on qualifying rules for these people. If you’re a veteran looking for ways to save money while securing your future with a home, this might be the perfect option for you! Learn more about California & San Diego VA loans below.

VA Jumbo Loans

A VA Jumbo Loan is a great option for military homeowners looking for a larger sum.

VA jumbo loans are a great option for veterans who want to purchase their first home, or for those looking to upgrade from an existing property. VA jumbo loans provide you access to higher-priced properties while still utilizing your VA loan benefits such as $0 down and low rates. Learn more about the benefits of a VA jumbo loan below.

About

the largest mortgage brokerage in the country

There are many mortgage companies in San Diego and California so why choose us? As the largest mortgage brokerage in the country, C2 Financial Corp has access to the widest variety of programs at highly competitive rates. Helping our customers means providing the right program to best suit their needs.

Expert Guidance
"I strive to bring excellence to all of my clients."
Dennis Sakofsky
san diego Mortgage Loan Officer
Professional, Dependable, Experienced mortgage lender California

Your Search Ends Here,
Continue With Confidence

We know that purchasing a home can be overwhelming. That’s why we make the loan process as easy as possible and take care of all your needs! The entire loan process is completed locally to ensure your experience is quick and painless from application to closing. We’ve got you covered with competitive rates, an array of mortgage options, and fast service!

Professional

We deliver professional services that are well-advised and affordable. As one of the top mortgage companies in San Diego, we prioritize building strong relationships with our clients, and we work hard to find the loan that’s right for each individual.

Flexibility

We offer a wide variety of loan programs that allow flexible terms tailored to each unique situation. With so many options, it’s impossible not to find one that suits your needs and budget!

Efficient

Our loan processing and closing times are some of the lowest in the industry – and that is something we’re really proud of. This way, we don’t become a barrier in your plans but a facilitator instead. We’ll worry about closing the loan; you move on to other aspects of your life.

Knowledgeability

Our San Diego mortgage lenders are well prepared and responsive to your needs! We provide a personal touch that will keep you confident because all our lending officers cultivate meaningful relationships with our clients to ensure their mortgage supports their path.

Versatility

We host a wide range of mortgage and home loan options for our customers. From VA loans to Jumbo loans, refinancing, and more – you’ll find it all at C2 Financial Corp. Not only that, but you simply have to get in touch with us and we’ll study your case to make recommendations on the loan that suits you.

Excellent Rates

C2 Financial Corp has access to hundreds of wholesale lenders to take advantage of the most competitive rates. We can also adjust the term of your loan to meet your changing financial goals; these are just a couple of the ways we can help.

Testimonials

See What Our Clients Have to Say

Dana H.
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Very knowledgeable and closed the deal fast! Saved us a ton of money. I highly recommend working with Dennis.
Brian K.
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Quick turn around! He got us the loan very quickly after we gave him our information. He got us the best possible rate and was very courteous and respectful.
Virgette M.
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Made the entire process seamless! Dennis was professional, extremely knowledgeable and efficient. I would highly recommend him to any friend or family member!
M. H.
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Dennis was awesome with our refi. Super responsive and helpful. He initially got us a great rate and then worked to get us an even better rate. Super personable! Can't go wrong with Dennis.
Jamey F.
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I recently refinanced two different properties through Dennis. He found us the best programs and made sure the process was as simple as possible. Dennis was very attentive throughout the approval and closing process, something that sets him apart from many of the mortgage brokers I dealt with in the past. I will absolutely go back to Dennis for any future mortgage needs.
John P.
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We really enjoyed working with Dennis on our refinance. This was our 2nd time refinancing and the process was seamless using Dennis. Everything was done in a professional and timely manner and we could not be more happy with our new rate. Top notch service on all aspects of this process. I highly recommend using Dennis for your mortgage needs!
Cameron S.
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This is my first and possibly my last yelp review, I am only writing this review because of my great interactions with Dennis. I am a real estate developer in North San Diego County and I deal with mortgage brokers on a regular basis. Since working with Dennis on my own home I have referred him out to countless friends and family. He is knowledgeable about these products, he is quick to respond and most importantly he follows through. Top-level service!! I highly recommend Dennis.
Baban Babgaunda Bob P.
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Dennis recently did my own house refi plus three rental properties His exemplary professionalism was shown during the the whole refi process He went out of the way to help me, during the application and found the best rate for my situation. Bob P.
Lucky T
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Dennis was awesome. I recently closed my refinancing with C2Financial. I had many, many questions up front. Dennis answered them all. He then went beyond to lay out the process so I knew what to expect, when to expect it, and what my part was. Once I agreed to the terms, Dennis took over and quarterbacked the process; organizing all the documentation, coordinating with all the various parties, and enlisting me to do my part when needed, so I never had to worry that I was missing something. After the financing was completed, Dennis stayed with me to make sure I knew when the first payment would be due and how to access my online account. Clean, easy and quick!
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