Welcome To C2 Financial Corporation

At C2 Financial Corporation, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain a better loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

We work with more than 100 investors. This allows us to get you the better rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!

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We work conforming and non-conforming real estate loans.

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

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Today's Rates*

30 Yr Fxd3.180%3.350%
30 Yr Fxd FHA2.720%3.590%
15 Yr Fxd2.460%2.700%
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.

Deciding which loan is right, can be a difficult decision. We're here to help.
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Latest News

China Evergrande Makes Overdue Interest Payment on Dollar Bonds, State Media Says

China Evergrande made an overdue interest payment to international bondholders, state media reported, an unexpected move that allows the struggling property giant to stave off a default.


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

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FHA Home Loans

Satisfied Clients

  • Extremely satisfied to work with someone who is keen to help and close the loan. Working with a knowledgeable mortgage consultant is an important step in home buying or refinancing process. Your unique needs and situations need to be addressed while looking for the best rates for a loan. Joseph Chacko got introduced to me as a reference from my friend who was happy with his refinancing needs. Now I am happy to refer him to all my friends with confidence that he can provide you with the best options out in market. Thanks again for your service.

    Vinod Balakrishnan California

  • I had an awesome experience with Joseph and I have recommended him to all my friends and If I have any other opportunity in future I would only go to him for Home finance or refinance. He was very helpful and always treats you as a family member and makes sure you have complete information while you work with him. He is very honest and makes you have a WIN WIN deal. I am extremely satisfied with him and his professionalism. This is was my 2nd refinance after I bought the home 3.5 years back and this was the best deal, best experience and best team to work with. I strongly recommend him for any one who is looking for fiance the home or for refinance. Many Thanks to him to get me the best deal available at the time.

    Prashant Pandey Phoenix

  • I personally know Joseph Chacko for last 12 years since 2005. Our business relationship started in 2007 when I started looking for a home just after being 2 years in US. I had NO clue about the process of buying a home just like many of us who are new in US but I wanted a home which we could afford. Joseph was very helpful and made sure that I was getting into something I could afford and appropriate. I can say that he is honest and makes you have all necessary information and questions answered before you finalize the deal. I was extremely satisfied with him and his professionalism. I strongly believe that when you are in asituation where you need help, it is better to have someone help you, who knows what he is doing and talking about. I consider Joseph Chacko as such a person and completely trust him. That is the reason I went back to him to refinance my house in Dec 2016 which was again an extremely great experience.For anyone looking for a great loan officer, I strongly recommend

    101selector San Diego

  • He is the best in the industry. I refinance with him couple of times he knows what he is doing I referred so many people to him they all were very happy.

    Karakkattu 85212

  • I have refinanced my house twice with Mr. Joseph Chacko and have referred him to several of my colleagues and friends ( who in turn were very happy to have dealt with him). He always gives good rates and above all...Zero closing costs (BIG savings). I would love to recommend him to more people.

    VRK California

  • Joseph was like a touring guide in Loan process,if you stuck somewhere he will guide you very well.The best part is even you have tons of questions his patience is the best thing.My son asks me so many questions but I am like enough...but Joseph and his team will answer you on phone is not by email communication.

    Sujata Edekar Arizona

  • I am first time home buyer with zero knowledge on the mortgage process. My friend referred me to Joseph, that's the big milestone in the loan process. Joseph explained me all the options in detail, patiently answered my silly questions and helped me in picking the optimal option for more savings (undoubtedly). He is extremely friendly with solid knowledge and available anytime to talk. He was with me throughout the loan process and closed swiftly. I strongly recommend you to Joseph (you do not need to waste your time on analysis, he will give you the best options, simply go with Joseph and save your hard earned money) for your new purchase or refinance needs. I am looking forward to work with Joseph for my future mortgage needs.

    Lanka Arizona

  • I used Joseph's service for my home refi. I shopped around and Joseph gave me the best rates. Not only that, unlike my previous lender, Joseph explained to me in detail the entire process. He is very knowledgeable in this field and guides you through the entire process. He always responds promptly and patiently answers all your questions. I have recommended Joseph to many of my friends after my great experience.

    Rahul San Diego

  • It was a good experience with Joseph Chacko as he has exceeded the expectation on my refinance. He was really helpful on deciding the loans and other factors

    George Devassy California

  • We had a great experience refinancing with Joseph. What was exceptional about him was that there were no hidden costs and what he promised in the beginning was what was delivered. The closing process was smooth. He really knows what he is doing.He went through all the costs that were included in the mortgage and everything was transparent and fair. In fact he offered us better value that the current refinance options. Can't say it enough that he stuck to his words. Will surely recommend to our friends

    Annu Sacramento

  • Joseph helped us with our initial home Purchase loan few years back and was happy to use his service again on our new home purchase we just closed. Joseph was initially referred to us by a family friend who availed his service and recommended to us that we reach out to him to get the best mortgage advise. I contacted him when I was ready for a loan preapproval, and he responded immediately even though it was past working hours. This was the type of service that my husband and I received throughout the process. Joseph took the time to break down the differences between different type of loan programs including FHA and conventional financing, and explained to us our options when it came to interest rates. Joseph presented me with several options and we discussed pros and cons of each.He was quick, thorough and good at explaining the loan process start to finish and updated us periodically. Both our homebuying experiences were seamless and flawless and they were by far the best experienc

    Mercy Alex Los Angeles

  • I have worked with Joseph Chacko three times in the past. The most recent one was for refinancing my current home. My experience working with Joseph Chacko was a pleasure. He was completely upfront about the costs and whether the refinance made sense financially. Joseph is a very nice person. He is honest, very reliable and is very concerned about his customers. I think he goes above and beyond his duties. I am very proud to recommend Joseph to anyone. I will not go anywhere else for mortgage financing.

    George Thekkekara Arizona

  • Joseph has helped me refinance my home twice at the best ever rate possible. I had a lot of queries as a new home owner and he patiently answered all my questions and clarified all my concerns with up-to-date and relevant information. He also proactively contacted me when the interest rates fell lower than my existing rates and successfully closed on the refinancing in minimum time. Truly recommend this guy. Very trustworthy and very knowledgeable. He knows what he is doing :-)

    Lal Vellapally Santa Ana

  • Joseph Chacko was very helpful in the process of our home purchase. He was considerate and really listened and helped make the process go smoothly. We had faced some issues towards closing and Joseph Chacko went out of the way to overcome them. He kept us informed on the process and we felt very confident of the whole process.Highly recommend his expertise in this field.

    Jay Kay San Diego

  • Joseph was great in helping me through my home buying process. He is knowledgeable, responsive, and committed to ensuring his clients get the best product possible to suit their lending needs. He answered all my questions, made sure I understood all the processes.. I would highly recommend him to anyone looking for a great deal.

    Deepu.K.Thomas San Diego

  • I really appreciate everything Joseph did for me to refinance my mortgage. After shopping around for loan rates Joseph offered the best rate in the area. He was very helpful explaining the loan process. In addition he was always available even after business hours!I am extremely pleased and would recommend him to any of my friends looking to buy a house.

    Benish Babu San Diego

  • Joseph helped me on my somewhat complicated refinance where I was merging my two loans into one loan as part of refinance. With complicated tax returns over last two years, there was so much paperwork needed as part of my refinance. Joseph made the process so easy. He would even help type the documents and leaving me just to review and sign. Needless to say, Joseph gave me the best rates in the industry and made it completely zero cost to me. He was always available over phone and e-mail whenever I had any question throughout the process. I would highlight recommend Joseph to everyone you would get best rate, trustworthy professional and good friend for life!

    Rakesh Verma California

  • My experience with Joseph has been extremely good. He obtains the relevant information and walks you through the process systematically and professionally. Provides all the available options on the table based on your financial strength, credit-ratings, your pay-back preference, on the length of time you plan to own house and numerous other tangibles and intangibles. You can freely discuss the pros and cons for all the options and he helps you choose the right one for you and your family. He maintains contact even after the process to inform you about market rate fluctuations. Without his timely-information and guidance, I wouldnt have re-financed. Refinancing and the time at which it was done, has helped me save tens of thousands of dollars. Joseph's rates/options are typically the best but if there's some bank offering better options, Joseph manages to beat/match competitor's rates and at the same time provide you a better/smooth experience of your process.

    Anant San Diego

  • I have worked with Joseph for refinancing my house 3 times. He has always provided the best rates and no issues in closing. Closed always on time or before. i have recommended Joseph to multiple friends all of them always have a very good experience and thanked me for recommending Joseph.

    Joe Chula Vista

  • Joseph has been extremely helpful in the entire Loan process, he was excellent in communication & could answer most of my queries. It was really easy to work with him, though process took little longer then expected but he could get me the best deal I needed.

    Mahaveer California

  • Joseph has been a great lender. He is well aware of the overall loan process and very knowledgeable in loan and escrow process. I was fairly new to loan process and escrow, Joseph quickly displayed an ability to clear my understanding on loan process. During loan process, He was quick in providing any help and approachable on phone/mails. With his proactive work, we were able to close the escrow on time. I am very satisfied with his services and would definitely recommend him to my friends and colleagues.

    Sharma California

  • Joseph is very knowledgeable, detailed and experienced. We have used his services multiple times (Purchases & Refinance). He answers all of our trivial questions about purchasing a home. The closing processes were always smooth. We highly recommend Joseph and his team.

    Daga California

  • Joseph was very friendly knowledgeable. He explained everything thoroughly and always calls me back promptly. He helped me with several loans over the past and I felt like he is pretty straight forward.


  • I have done several refinances through Joseph. I have found Joseph to be very knowledgeable about mortgage industry. Joseph is always ready to explain things and provide detailed information, and answer any question you may have. Joseph is also very professional, prompt and responsive on phone calls and emails. Joseph also finds you best rates and looks out for his client's interest. I would highly recommend Joseph for any mortgage needs.

    Prince California

Loan workspace

Contact Us

Call Us: Joseph Chacko, Sr. Loan Officer

(619) 758-5858

Email Us: joe@c2fincorp.com

Our Address: 10509 Vista Sorrento Parkway Suite 400, San Diego, CA  92121

Mortgage Learning Center
Mortgage Calculate Monthly Payment

Calculate Monthly Payment*

Term Rate Apr Payment
30 Yr Fxd 3.180% 3.350%
30 Yr Fxd FHA 2.720% 3.590%
15 Yr Fxd 2.460% 2.700%
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.