Realize Your Dream of Home Ownership
Welcome to C2 Financial Corporation, We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.
Our ServicesFind Loan Products We Offer
Purchase
Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.
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Refinance
We're committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today!
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Our Secure Application takes about 12 minutes to complete, and is required for a "Pre-Approval." You will be contacted once your application is submitted. Submit your Application
Providing Mortgage Services throughout California!
BROKERS ARE BETTER!
We are a Full Service Mortgage Wholesale Broker!
We provide a wide range of mortgage solutions! Whether you're Purchasing your First Home, Vacation Home, Investment Property or Refinancing to lower your interest rate or cash out from equity.
TRADITIONAL FINANCING: Conventional, FHA, VA, USDA and Reverse mortgage loans. Ask about, Down Payment Assistance programs with Zero Down and Paid Closing Cost!
NON QM FINANCIING: 1099, Bank Statements, Debt Service Ratio, Assets, Stated, No Income, Foreign National & more more
OTHER FINANCING: Commercial, Hard Money, Bridge & Private loans. OTC = Lot Purchase, Construction Loan to Permanent with One Time Close.
We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of mortgages products, quality service, and individual attention. Whether you are buying a home or refinancing, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.
Today's technology is providing a more productive environment to work in. For example, through our website you can submit a complete on-line secure loan application, upload your documents securely or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios. Go to Calculators to find out more!
Mary Ann Garcia Berges, is an independent MLO with C2 Financial Corp with a non-exclusive contract. Mary Ann Garcia Berges, is Broker/Owner of MyAgent Lending Group. Mary Ann Garcia Berges, is licensed to originate loans with MyAgent Lending Group and C2 Financial Corporation. MyAgent Lending Group is not affiliated with C2 Financial Corp.
MyAgent Lending Group & C2 Financial Corp is approved to originate VA and FHA loans, and has the ability to broker such loans to VA and FHA approved lenders. MyAgent Lending Group & C2 Financial Corp is not acting on behalf of or at the direction of HUD/FHA or the VA.
Services not available outside of California.
Contact Mary Ann Garcia Berges today to discuss your mortgage loan options, and find out which loan program will best suit your needs.
TO GET STARTED CLICK ON APPLY TODAY ABOVE!
WHAT PEOPLE SAYSome of our Awesome Testimonials
I bought my 1st home in Wrightwood and Mary Ann was just amazing to work with! I'm a retired vet and right away I could tell she had an appreciation for military; she made my home buying experience very comfortable, responding quickly to my calls, texts and emails. Mary was very knowledgeable of the area and gave me useful tips regarding home inspections, flood zones, fire insurance, the VA loan process and so much more. I was blessed to have her as my agent and highly recommend Mary to anyone considering a home in the SoCal area!
Jaime Lisenbee
Wrightwood, CA
We have been through 2 real estate agents prior to meeting Mary Ann.
I guess it true you have to go through the bad to get the best. Mary Ann not only is knowledgeable in the real estate game, she knows how to truly deal with VA loans. She walked us through everything and went way above and beyond from the beginning to the end, joining forces with our loan officer as well to help us through the process and crazy real estate market to get our first home. She is a Unicorn in this crazy housing market.
Marlene & Paul
Chino, CA
I am a New Homeowner, And Mary Ann, was there to guide me thru the entire process, from are first conversation to escrow closings it was a comfortable breeze Mary Ann, it simple and plain to understand she was professional realtor and a friend I could trust, she is the best she did the math for me, and was there to answer any questions I had, day & night she made me feel like she was my Realtor and Guardian Angel, she is a real good realtor, and a beautiful! And caring person, I feel real blessed! To have had her as my real estate agent and if your looking for a new Home! please give Mrs. Mary Ann, Garcia, a phone call I believe you will be happy!
Irvin Houston
MaryAnn was very professional and a good negotiator. She was also very patient explained to us the numbers in detail and answered all my zillion questions. The home we purchased was our first home. I would definitely recommend MaryAnn and her team. As a matter of fact I have recommended her to my friends and family.
We are hoping to purchase another home and will use MaryAnn’s services again in the near future.
Ramirez Family
Sugarloaf, CA
Mary Ann was recommended to my wife and I through an Air Force group, and we couldn’t be happier. Even in such a hostile market right now, she helped us find a place within our budget and requirements in just over 2 months! We were first time home buyers too, so having a knowledgeable and trustworthy realtor on our side was very comforting. In our first meeting she not only got to know us and what we wanted, she got down to business with the numbers laying out everything we needed to know. The biggest asset we’re the most grateful for though is her authenticity. She’ll tell you like it is, regardless if it’s good or bad. Her expertise, work ethic, and sincerity are invaluable, so she’s definitely the person you want and need.
Captain Athanaxay
Lawndale, Ca
Mary Ann is a bundle of fire! And she brings that energy to her clients and the homes in her portfolio.
Mary Ann is responsive, helpful, and most importantly, down to earth and funny. In 2020, we needed all the positive energy we could get!
Mary Ann also helped me put in a successful offer on a wonderful townhome. Her quick drafting of an offer allowed us to put an offer in within hours of the listing. The process was totally smooth sailing! And she’s an expert on VA loans and advocating for military members, past and present. Thank you Mary Ann!
Chris Acevedo
Anaheim Hills, CA
As a Veteran, I am more than thankful with my star agent Maryann. In times of stress do to our current events “Covid-19” , My wife and I were so blessed to have such an understanding agent. We were so blessed as Maryann made our sell of our home, her worry. She took over and with her expertise made the sell of our home look and feel very easy. The best part was, finding us a home. MaryAnn went out of her way to make sure we had a home to move to before closing the sell of our home. My wife and kids are more than happy at our new home thanks to Maryann. I am recommending Maryann to any family that wants to go through this process stress free. Thank you for treating us more than just a sell. Thank you for treating us like family. Thank you because we just didn’t sell and buy our home but we won a friend!
C. Ayala
Santa Fe Springs, CA
I can truly say Mary Ann was amazing. She worked with the VA and all the parties involved to get my wife and I the home we fell in love with. She was able to negotiate with the seller and his agent to get things we wanted corrected and got us a killer rate. We are extremely happy with the job she and her team did. We are loving our new home and will recommend her to anyone that needs to sell or buy a home. Thanks for everything Mary Ann. Can wait to see you at the house warming party.
German Vasquez
Riverside, CA
We recently worked with Mary Ann to purchase our first home in California, specifically LA. We were introduced to her through our realtor, which we are incredibly grateful for, because we couldn't have asked for a better loan officer. We moved to LA from Boston because I was offered a job, and had just over a month before my new employer wanted me to start.
If it weren't for Mary Ann, buying a home in that amount of time probably wouldn't have been possible. We used a VA loan, which can sometimes complicate this already complicated process even more, but there wasn't a single hiccup while working with her. She's so good at her job that she was multiple steps ahead throughout the entire process, so that the moment a new step could be completed, she was pushing the submit button, so to speak. What's more, when the seller's side wasn't doing their job and delaying the process, she was there pushing them to get it done, and in some cases even doing it for them.
I'm sure she had other clients she was working with, but she was so on top of things and so helpful and responsive at any time of any day that it truly seemed like we were the only people she was working with. From our first conversation, it felt like she sincerely cared about us as people, not just clients. I hope whenever we buy a house again that Mary Ann is still working, because there's no other loan officer I'd rather work with, and I would recommend her to anybody.
Divya Pursley
Los Angeles, CA
My husband and I used Mary Ann as our agent for our recent home purchase. There's a reason we keep going back to her for all of our real estate needs! She is simply the best!
She knows the Torrance area very well and is extremely knowledgeable about the entire homebuying process. Everything from valuation, negotiation, repairs, and red flags. She is even extremely proficient with financing, due to her background in mortgages.
But more than her knowledge, we love working with Maryann because she always has our best interest at heart. She kept contacting the listing agent when responses were sparse, and made sure we received everything that they had promised. I love my new home and am so thankful that Mary Ann helped us get into it.
Aguilar Family
Torrance, CA
As a young Active Duty military member, I have finally gotten to the point where I could purchase my own place after getting stationed in the Los Angeles area. After randomly finding my current residence and attending an open house, I knew within 45 minutes that I NEEDED to live there. I had no clue where to go so I first started reaching out to Veteran friendly mortgage companies knowing I would need the financing to get started. I got linked up with Mary Ann through this company and the process went from a hopeful dream to a reality right around the corner. Immediately Mary Ann set up a private showing for me during the week so I could take a longer look at the place, walked through the offer process, and had an offer approved within 8 days of it coming to market! She knows how VA loans work and was not scared or daunted by it at all. There were many nights or mornings I would text or call her freaking out over an email I had received needed an electronic signature or something. She calmly explained everything to me making sure I knew what I was signing, standing up for me when needed with the seller. I still maintain contact with her and would love to introduce others to her looking to purchase a place of their own!
Stephen Cresswell
Mary Ann was the absolute best. We needed a ton of help with buying our first home, and she was there for every step. Helping us navigate buying with a VA loan, in a city where we had never lived and on a short time schedule, she was there for every question and every complexity. We couldnt have asked for a bettet agent.
Alex Woodward
Los Angeles, CA
Mary Ann is so nice, knowledgeable, and goes above and beyond! She worked with my husband and I as we attempted to buy a house that was For Sale By Owner. When that owner didn’t want any agents involved, Mary Ann still looked over the contract for us, knowing that we would not be able to include her in the sale. We ended up not purchasing that home, but when we decided to look again, we immediately called her. She met with us numerous times to check out the house we ultimately bought. She was very accommodating, and helped guide us through the process. My husband is a veteran, and we wanted to use the VA to acquire our loan. Mary Ann is very well informed with the logistics of using the VA. She made the entire house buying process so seamless and stress-free. Not to mention, she is also an incredibly kind individual. I had just given birth and undergone a non-related major surgery when we met. She noticed I was in pain, so after our meeting, she went home, retrieved a heating pack and healing lotion, and came back to drop them off for me to use. She is just so great all around, and I highly recommend her!
E J Schatz
Lomita, CA
Mary Ann is so nice, knowledgeable, and goes above and beyond! She worked with my husband and I as we attempted to buy a house that was For Sale By Owner. When that owner didn’t want any agents involved, Mary Ann still looked over the contract for us, knowing that we would not be able to include her in the sale. We ended up not purchasing that home, but when we decided to look again, we immediately called her. She met with us numerous times to check out the house we ultimately bought. She was very accommodating, and helped guide us through the process. My husband is a veteran, and we wanted to use the VA to acquire our loan. Mary Ann is very well informed with the logistics of using the VA. She made the entire house buying process so seamless and stress-free. Not to mention, she is also an incredibly kind individual. I had just given birth and undergone a non-related major surgery when we met. She noticed I was in pain, so after our meeting, she went home, retrieved a heating pack and healing lotion, and came back to drop them off for me to use. She is just so great all around, and I highly recommend her!
E J Schatz
Lomita, CA
I highly, highly recommend Mary Ann and would give her 10 Stars if I could. She made our process of buying a home for the first time go very smoothly. I feel as though the first time buyer stress wasn't as high due to her being very responsive and there for us with details and clarifications anytime of the day. We explained our budget and she explained all of our options when it came to buying a home etc. She also made sure that we were getting a fair deal in relation to property value and list price. I recommend her and will definitely find Mary Ann again in the future when it is time for us to purchase a new home! (We also closed with money coming back because of Mary Ann!!)
Thanks again!!
Sade Thompson
Bellflower, CA