Local. Experienced. Trusted.

I'm Spencer, your local mortgage expert.

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

NMLS #2089149

415-795-8771
spencer.mahlstedt@gmail.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

With a service driven approach to mortgage lending, I always have my clients best interests in mind. With industry leading wholesale lending partners and varied products to offer, you will be guided through every step of the process to find a loan option that is tailored to your needs.

My philosophy is open communication and clarity through every step of the process. The mortgage process can often be daunting and confusing, I am always a phone call away to answer any question you may have. No question is too small, if I don’t have the answer it is my promise to utilize my expansive network to get you answers. I am backed by an all star team with over 40 years combined experience, we look forward to working with you.

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

USDA
Loans

VA
Loans

And
More!

What People Are Saying

"I can’t recommend Spencer enough. He was diligent, dedicated, and walked us through the process every step of the way. Whenever we had a question or concern he was on it right away which was very reassuring and helpful. I appreciated his patience, and attention to detail and above all we felt confident putting our trust in him which is really important when it comes to finding the right lender." - ★★★★★

"Spencer is thorough, courteous and expedient. He explains everything in an easy to understand manner and is efficient with timelines. His professionalism is outstanding. I highly recommend Spencer for your mortgage needs." - ★★★★★

"I have had the pleasure of working with Spencer for the past couple of years. In all of my dealings with Spencer he has been responsive, attentive to my client's needs and worked to find a solution that was right for them. His professional expertise and guidance have been invaluable to the people I have referred to him. He established trust and made my client's feel that their particular needs were being met." - ★★★★★

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Spencer Mahlstedt
Mortgage Advisor
Phone: 415-795-8771
spencer.mahlstedt@gmail.com

12230 El Camino Real, Ste 100
San Diego, CA 92130

C2 NMLS #135622 | C2 CA DRE #01821025 | NMLS #2089149 | CA DRE #02132733

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