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Helping you build net worth

I'm Tim, your local mortgage expert.

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

NMLS #330730
619-807-5854
tim@INSISTonTIM.com

Why C2 Financial?

Choosing the right mortgage broker isn’t just about finding the best rate—it’s about working with a company that prioritizes your needs. As one of the largest mortgage brokers in the nation, C2 Financial has built strong relationships with wholesale lenders, allowing us to offer preferred pricing and faster closings. That means better rates, smoother transactions, and a more seamless experience for you.

But size alone doesn’t define excellence. What sets C2 Financial apart is its unwavering commitment to doing what’s right for the borrower. Integrity and transparency are at the heart of everything we do, ensuring that every client receives the highest level of service and support throughout the mortgage process.

We’re also proud to be recognized as a leader in the industry:

Scotsman Guide has ranked C2 Financial as a Top Lender for four consecutive years.
Mortgage Professional Magazine has named C2 Financial one of the Top 50 Mortgage Companies to Work With.
National Mortgage Professional Magazine has featured C2 Financial for our dedication to excellence. Read more here.
When you choose to work with me through C2 Financial, you’re not just getting access to competitive loan options—you’re getting a dedicated partner who values your trust and works to ensure your long-term financial success.
About Me
My path to becoming a mortgage broker wasn’t a typical one. I started in social work, seeing firsthand how stable housing transforms lives. That experience fueled my passion for helping people find not just a house, but a home. When I moved to California, I discovered home lending and knew I had found my calling.

I began my career at a bank but quickly realized that the broker model allowed me to serve my clients better. By working with a broad network of lenders—now through C2 Financial—I can tailor mortgage solutions to fit each client’s unique needs. My goal isn’t just to get you a loan; it’s to ensure you feel confident and informed every step of the way.

Beyond helping homebuyers, I specialize in refinancing to help homeowners secure better terms, lower payments, or access equity. I also have deep expertise in reverse mortgages, assisting seniors in leveraging their home’s value to enhance their financial security. Whether you're buying, refinancing, or exploring reverse mortgage options, I’m here to guide you with clarity and care.

My clients often tell me they appreciate not only the loans I arrange but also the clarity and peace of mind they gain from our conversations. If that sounds like the kind of mortgage experience you’d prefer, reach out—I’d love to help you find the right path forward.

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
Reverse
Mortgages
And
More!

What People Are Saying

Let's Connect

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Timothy Gray
Reverse Mortgage Specialist & Mortgage Broker
Phone: 619-807-5854
tim@INSISTonTIM.com
Branch Address:
12230 El Camino Real #100
San Diego, CA 92130
C2 NMLS #135622 | C2 CA DRE #01821025 | C2 OR #ML-4917 | C2 WA #MB-135622 | NMLS #330730 | CA DRE #01473641 | OR #330730 | WA #MLO-330730
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