C2 Financial – Your Trusted Mortgage Experts

The C2 Financial Team is your premier mortgage team located in San Diego, California. We pride ourselves on offering some of the most competitive rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the San Diego area.

Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.

Competitive Rates. Zero Hassles.

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The C2 Financial Team

Start your home loan process here!

The C2 Financial team is committed to providing clients with the highest quality financial services combined with competitive rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of loan officers here can help you find the right loan program at a competitive rate no matter what your needs are.

Meet Jaime Vargas

Loan Options

We Offer Many Different Loan Programs To Meet Your Needs.

FHA Loans

FHA loans are a popular choice among first time homebuyers given their low down payment requirements and ease of qualification.
FHA Loan Options

Home Refinance Loans

Learn more about how refinancing your mortgage can help you save money over the life of your loan by lowering your interest rate or reducing loan terms.
Refinance Loan Options

VA Loans

Veterans, active military, and their families can take advantage of a VA loan to purchase a home with no money down, great interest rates, and no private mortgage insurance.

VA Loan Options

Jumbo Home Loans

Jumbo loans can be the perfect option if you are looking for a home loan that exceeds the limits placed on government backed options such as FHA loans.
Jumbo Loan Options

Home Purchase Loans

Whether you are interested in a Conventional Loan, FHA Loan, VA loan or other financing option, our team of experts will help you find the solution that works for you.
Purchase Loan Options

Conventional Loans

Competitive rates and buyer flexibility make conventional loans the most popular mortgages on the market today. Plus, we'll get you a competitive rate.
Conventional Loan Options
View All Loan Programs

What our clients are saying

Yelp Review Stars

Maribel R.

I would recommend Jaime to everyone. We thought that out credit was the worst, but it really wasn't that bad. Jaime lead us in the right direction to improve it. He worked so hard and literally fought for us to get through escrow. He explains every step and is always there when you have a question.

Yelp Review Stars

Igor A.

Jaime helped us get favorable loan financing for our first home purchase. He was professional and diligent throughout the process, answering our questions and giving us important insights & tips along the way. We're very glad we had him on our side and highly recommend him for your home financing needs.

Yelp Review Stars

Matt P.

Jaime was SO easy to work with, and really led our refinance process from start to finish. He was great with status updates and setting expectations. This is a big deal with you’ve got your own day job, kids in distance learning, and plenty of other things going on in life.

I also appreciated being able to talk through various scenarios with Jaime. Things like loan terms, points strategies, cashflow, short- and long-term goals, etc. Not overwhelming at all!

I’ve gone through the loan process a handful of times in my life, and this was by far the smoothest one. Highly recommended.

Yelp Review Stars

Danielle J.

Exceptional service! Beginning to end, Jaime took care of us. We originally started our refi with a Credit Union but we were treated like a number and put in the back burner. After some frustration we were referred to Mr. Varges…he is extremely knowledgeable, responsive with five star service all the way through! I would absolutely go back to Jaime at C2 Financial without hesitation.  I have already referred my In-Laws for their refi. There are so many who may talk over a senior citizens head – I know without a doubt that he has their best interest in mind and many different options to provide them.

Yelp Review Stars

Sidney W.

I started a refi with a major bank and was getting nowhere.  My friend told me that she had just refied with Jaime and that I should call him.  OMG! Don’t make the same mistake I did, call Jaime first.  What a pleasure it was working with him.  He walked me through everything I needed or wanted to know and made the process extremely easy.  I just closed and could not be happier.  I’m never going anywhere else!