Local. Experienced. Trusted.

I'm Matt, your local mortgage expert.

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

NMLS #238099

805-546-1010
5461010@pm.me

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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.

Conventional
Loans

Jumbo
Loans

Reverse
Mortgages

High
Balance

Self
Employed

And
More!

What People Are Saying

As someone who is self-employed, I kept hearing 'show more income' from lenders. No one seemed willing or able to pinpoint how much more income I needed to 'show' or how to go about meeting my goal of home ownership. I was in the dark. At the time I started looking, I had been in business for over six years. Each year my business saw growth. I knew I could afford a home, but the lending rules made homeownership feel elusive for someone self-employed. I needed help and didn't know who to ask. Neither lenders nor real estate agents had answers. When I stumbled on Matt and Rita, everything, I mean everything changed. The clouds parted, and with time, proper planning and clarity, I became a homeowner. They were my cheerleaders, they did the math, ran through scenarios, opened doors, explained the process with patience and unparalleled competence. They pushed as hard for me as I dared to push for myself. I was also able to count on them to answer questions at every stage of the transaction.

I don't know where to begin to express the incredible service and professionalism that you will receive from Matt and Rita. They were the mortgage brokers that did my home loan 18 years ago before I became a real estate agent. I just assumed that all mortgage brokers were up to their caliber. Not true! Now as a full time realtor myself, I completely depend on their expertise. I NEVER recommend anyone else because no one else will do the job as well. Often mortgage brokers will paint a "good picture" for a client in terms of rates and then later on, things change for one reason or another. This will not happen with them. They are the most honest, intelligent and hardworking people I have every worked with and their knowledge goes beyond the scope of most mortgage brokers. They have even gone so far as to tell me where to tell my clients to go to get a better rate if in fact at the time, they were unable to provide that rate to my client. Who ever does this?

Matt and Rita made pigs fly for me not once, but twice. I had been turned away by numerous loan agents for a home loan because I wasn't an easy case. Matt and Rita took my case on and with professionalism, dedication, kindness and a can-do attitude I've come to love about them. They got my loan approved and I felt taken care of in the best possible way. Not only that, they looked out for MY best interest. This quality is what sets Matt and Rita apart from other mortgage lenders. My home loan experience with them was not a one-off. When I needed a refi, as a self-employed single mom I was again turned away by lender after lender. Matt went above and beyond - he'd never treated me like a "client", but someone he really cared to see succeed. He had kept in touch with me, offering possible loan products I might pursue (as his own products at the time wouldn't work for me). Do you see? He wasn't even going to gain anything by helping me - he just wanted to help!

Let's Connect

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Matthew Carl Colonell
Mortgage Broker
Phone: 805-546-1010
5461010@pm.me

Branch Address:
Mortgage Broker
C2 Financial Corporation
corporate office:
C2 Financial Corporation
12230 El Camino Real, Suite 100
San Diego CA 92130
NMLS #238099
CA BRE #01224997
To verify license, go to:
http://www.nmlsconsumeraccess.org

C2 NMLS #135622 | C2 CA DRE #01821025 | NMLS #238099 | CA DRE #1224997

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