Overbuilt Process For Buyers Who Expect More
Transparent. Fast. Reliable.
Explore Your Loan Options
Estimate Your Mortgage Payment
What's Your Home Worth Today?
Real Customer Experiences
Hey, I'm RYAN!
Home Loan Specialist
Overbuilt Process For Buyers Who Expect More.
Transparent. Fast. Reliable.
Get the Best Rate
The market changes often. We work with multiple lenders and programs to find the loan that best fits your needs.
Loan Pre-Approval
Thinking about buying a home? A pre-approval letter helps you understand your budget and shows sellers you’re ready to move forward.
Should You Buy Now or Wait?
THERE IS A COST OF WAITING
Assumptions:
Get a clear budget based on your financials
Show sellers you’re serious and ready to buy
Close faster with fewer surprises
Takes just a few minutes. No credit check required to start.
Should You Buy Now or Wait?
THERE IS A COST OF WAITING
Assumptions:
Get a clear budget based on your financials
Show sellers you’re serious and ready to buy
Close faster with fewer surprises
Takes just a few minutes. No credit check required to start.
MORTGAGE CALCULATOR
Fast Loan Closing
We work to get your loan approved in 14 days or less. With a proactive approach and advanced technology, we speed up the mortgage process and keep communication clear to avoid delays.
READY TO GET STARTED?
Book your FREE 20-minute STRATEGY SESSION now!
Guiding You to Your Dream Home
Get Pre-Approved
Assess your purchasing potential to accurately gauge what you can afford, ensuring you're ready to make an offer as soon as you discover your
ideal home.
Benefits
Secure Competitive Financing
Understand Your Financial
Range
Quick Closing
We simplify the entire mortgage
journey from application to closing, ensuring transparent communication
and utilizing cutting-edge
technology.
Benefits
Streamlined Process, Reduced Stress
Faster Move-in Timeline
Get Pre-Approved
We'll search across our extensive network of lenders to secure a competitive rate, minimal fees, and the ideal loan program tailored to your home financing requirements.
Benefits
Achieve the Best Loan Terms
Explore Diverse Financing Solutions
TESTIMONIALS
Why Clients Love Working With Us
The C2 Financial Advantage
Local Expertise
We are deeply familiar with the local market and community, providing you with insights and support that only locals can offer.
Exceptional Service
We pride ourselves on surpassing expectations through seamless communication and exceptional customer care.
Advanced Technology
Leveraging the latest digital tools, we offer secure mobile applications for document uploads and more, with traditional options also available.
Quick Processing
Our goal is to expedite your loan process efficiently, equipped to handle any unexpected challenges that come our way.
The answers to all your mortgage questions...
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
Innovation
Fresh, creative solutions.
Fast
Quick, Quality Service
Reliable
Where Reliability Meets Results
Innovation
Fresh, creative solutions.
Fast
Quick, Quality Service
Reliable
Where Reliability Meets Results
About C2 Financial Corporation
NMLS 135622 | FL #MBR3519 AL #23303
C2 Financial was founded on the idea that choice results in better opportunities. That’s why we’ve spent almost 30 years building the largest wholesale lender network in the nation. With C2 Financial, loan originators, and their clients, can feel confident they are getting the most competitive pricing and top shelf service in the market.
www.c2financialcorp.com
101 N Monroe St, Ste 800
Tallahassee, FL 32301
CONTACT
Ryan Whitfield | Home Loan Specialist
NMLS #2232718 | FL #LO96518 AL #2232718
101 N Monroe St, Ste 800
Tallahassee, FL 32301
(850) 597-0213
LEGAL
FOLLOW US
DISCLAIMER
This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the Florida Office of Financial Regulations, OFR# MLD2635; 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 is an Equal Opportunity Mortgage Broker/Lender.The services referred to herein are not available to persons located outside the state of Florida.
www.nmlsconsumeraccess.org
Copyright 2025. C2 Financial - Ryan Whitfield. All Rights Reserved.