Local. Experienced. Trusted.

I'm Heather, your local mortgage expert.

I'm here to help you find the right mortgage options for you and your family.

NMLS #288895

619-206-8884
heather@sdloans.com

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Why C2 Financial?

As a top mortgage broker in the nation, C2 Financial offers access to superior loan products, competitive rates, and gold-star service. That's why over 115,000 families have chosen C2 Financial for their mortgage financing needs.

There are a lot of financing options ‐ let's find the right one for you.

Whether you are looking to buy, refinance, or grow your real estate portfolio, we've got you covered with the right loan products to fit your needs.

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What People Are Saying

Jamie A D Encinitas, CA Posted on November 10th, 2023 07:16 AM Heather is fantastic, which is why we keep coming back to her for our mortgage needs. She provides exceptional customer service, is always available, is highly knowledgeable on the mortgage process/options and sets clear expectations during the process which is helpful when there is so much going on during an escrow. Further, the seller's agent commented how easy she was to work with and his appreciation for her prompt attention to his questions. In fact he said he'd recommend her to others.

Casey T H San Diego, CA Posted on September 28th, 2023 06:41 AM Heather was fantastic to work with. She is very responsive and made the entire process so easy for us. Whenever we had a question, she took the time to explain the answer to us. She also kept us updated during the process so there were never any surprises. In addition, our real estate agent commented on how great Heather is working with, based on his years of experience in the industry, he said she was one of the best. We look forward to working with Heather again in the future. Thank you Heather!

Christopher G H La Mesa, CA Posted on September 22nd, 2022 10:22 AM Heather :-) She is so responsive and on top of the entire process. She has great follow-up and understands not only the loan process but how the Fed and interest rates trend over time and can impact how much interest is paid etc. I really enjoy working with Heather. She is a true professional!

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Heather Nartker, CPA
Senior Loan Officer
Phone: 619-206-8884
heather@sdloans.com

Mailing Address:
12230 El Camino Real, Suite 100
San Diego, CA 92130

C2 NMLS #135622 | C2 CA DRE #01821025 | NMLS #288895 | CA DRE #01330865

C2 NMLS #135622

C2 Financial is rapidly growing with active licenses in over 34 states as of March 2024. Number of licensed states and lenders within the C2 Lender Network may vary. www.C2Financial.com

C2 Financial Corporation is licensed by the California Bureau of Real Estate, Broker # 01821025; Alabama SBD #23303; Arizona DFI #919209; Arkansas ASD #129945; Colorado DRE; Florida OFR #MBR3519; Hawaii DFI #HI-135622; Idaho DOF #MBL-9475; Illinois DFPR #MB.67618115; Kansas OSBC #135622; Kentucky DFI #MC809104; Louisiana OFI #135622; Michigan DIFS #FL0023565 / SR0023566; Minnesota DOC #MN-MO-135622; Mississippi DBCF #135622; Montana DBFI #135622; Nebraska DBF #135622; Nevada MLD #3260; New Mexico FID #135622; Ohio DFI #RM.804919.000; Oklahoma DOCC #MB014489; Oregon DOF #ML-4917; South Carolina DCA #135622; South Dakota DOB #135622.ML; Tennessee DFI #135622; Texas SML #135622; Washington DFI #MB135622; Wyoming DOB #4612; 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. As a broker, C2 Financial Corporation is NOT individually approved by the FHA or HUD, but C2 Financial Corporation is allowed to originate FHA loans based on their relationships with FHA approved lenders.

Consumers in Texas: Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at (877) 276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov