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Local. Experienced. Trusted.

I'm Tom, your local mortgage expert.

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

NMLS #39007
(714) 909-1981
tom@karbonfinancial.com

Why C2 Financial?

We’ve partnered with over 100 of our nation’s top wholesale lenders to provide our clients with an extensive array of mortgage programs and unparalleled low rates. Whether you’re a first-time home buyer pursuing the American Dream or a seasoned investor expanding your real estate portfolio, our mortgage advisors have the expertise to exceed all your home loan needs. Experience why we’re known for Low Rates, Five-Star Service, and Advice You Can Trust.
About Me
Since 2001, Tom has helped thousands of homeowners purchase and refinance their homes with Low Rates, Five-Star Service and Advice You Can Trust. Tom has held roles ranging from top-producing loan officer to the head of retail sales for a national mortgage lender and now as an independent mortgage broker, he’s proud to offer his clients and surrounding communities an extensive array of low-rate mortgage programs and a world-class experience for all their real estate needs.

Tom has been recognized as a top performer by Mortgage Executive Magazine, National Mortgage News, Scotsman Guide and Los Angeles Magazine, among others. He is also one of the highest-reviewed mortgage professionals in Southern California.

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
Tom McMurray
Mortgage Broker
Phone: (714) 909-1981
Fax: (855) 955-1340
tom@karbonfinancial.com
Mailing Address:
3020 Old Ranch Parkway, #300
Seal Beach, CA 90740
C2 NMLS #135622 | C2 CA DRE #01821025 | NMLS #39007 | CA DRE #02105227
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