Local. Experienced. Trusted.

I'm Patrick, your local mortgage expert.

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

NMLS #390618

415-505-2715
psmida@c2financial.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.

About Me

Hello my name is Patrick, and I am loan office with over 14 years of experience helping homeowners in a variety of credit, income, and life situations. A Graduate of St. Mary's College of California with a Master's In Financial Analysis and an MBA, I not only quote you an interest rate, but help you find a way to maximize your buying potential though an extensive financial analysis of the situation. From excellent credit, to bankruptcy and foreclosure, I am able to help homeowners in acquiring or retaining their properties.

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

FHA
Loans

Jumbo
Loans

Super Jumbo
Loans

VA
Loans

And
More!

What People Are Saying

"I had a really complicated situation that Patrik handled with sensitivity. His great knowledge & expertise resolved my issue beyond my expectations. I feel like I've found my "refi" guy & I recommend him to anyone who asks."

"Patrik was my mortgage broker, and I think he was tops. He partnered with me very effectively, was considerate, helpful, knowledgeable, and followed through effectively. I would recommend him to anyone in a position to mine."

"Patrik Smida is the guy you are looking for, if you are thinking of refinancing your house. He helped me out with no problem and very professional when it comes to this thing. He will tell you straight if he can or not. That's one thing I like about him."

Let's Connect

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Consultation

Patrick Smida
Trusted Mortgage Advisor
Phone: 415-505-2715
psmida@c2financial.com

Branch Address:
12230 El Camino Real Suite #100, San Diego, CA 92130.

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