C2 Financial Logo

Local. Experienced. Trusted.

I'm Shannon, your local mortgage expert.

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

NMLS #2570770
(831) 869-9153
Shannon@LoansNearTheSea.com

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
As a wholesale mortgage advisor with C2 Financial, one of the nation's largest mortgage brokers, I work with a vast network of 100+ wholesale lenders with thousands of loan products to customer-tailor loan solutions around client needs, while providing superior client service.

My goals are simple: to forge positive and long-term relationships with clients and industry partners, and in doing so, earn the trust and respect of my community.

Being a broker with C2 Financial allows me to offer exclusive loan products, top-tier pricing and turn times, as well as direct access to underwriters (who are ultimately making decisions to lend funds). We have Commercial and Reverse Mortgage divisions as well. This affiliation creates an entire package of wholesale lending options; and because we are so large, our lender partners essentially compete for our business—which translates to dynamic, faster, and less expensive lending experiences. Working with award-winning technology also simplifies the process for everyone. A fully compliant application package is generated with one click, that consolidates everything into an easy-to-use portal. 

With an affinity for financial analysis and problem solving, along with a passion for people, mortgage advising became an ideal fit. I also hold a California Real Estate Broker License, and started in real estate in 2006. Past experience has encompassed real estate compliance, transaction management, and real estate sales, as well as financial planning; I also held financial securities licenses (Series 7 & 63). A graduate of Robert Louis Stevenson School in Pebble Beach, California, I earned a Bachelor of Arts degree from the University of California, Santa Barbara.

Reach out! I look forward to the opportunity to show you how the ideal mortgage broker can make the difference; not just in wholesale pricing advantages and speed, but in adding high-end customer centered value to clients AND realtors.

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
VA
Loans
Self
Employed
And
More!

Let's Connect

Schedule a
Consultation
Shannon N. James, Broker
Mortgage Broker / Wholesale Mortgage Advisor
Phone: (831) 869-9153
Fax: (831) 309-8221
Shannon@LoansNearTheSea.com
Branch Address:
777 Cass Street | Monterey, CA 93940
C2 NMLS #135622 | C2 CA DRE #01821025 | NMLS #2570770 | CA DRE #01743132
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