Check your options
A short conversation, a soft credit check, and a straight answer about what your equity will actually do.
Approval in as little as 5 minutes · Funding in as few as 5 daysApproval in minutes · Funding in as few as 5 days
Send an inquiry
The more you tell us about the property, the more useful the first answer will be.
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with a remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000. On a primary residence, funds are sent after the three-business-day rescission period ends. Not all applicants will qualify.
Or reach us directly
Phone
(949) 430-7322
Email
mcasillas@c2financial.com
Licensed office
C2 Financial Corporation
12230 El Camino Real, Suite 100
San Diego, CA 92130
Hours
Monday to Friday, 8am – 6pm
Before you call, it helps to know
- Roughly what the property is worth
- Your current first mortgage balance and rate
- How much you need and what for
- Whether you have solar, an HOA or anything unusual on title
Matt Casillas · NMLS #339780 · C2 Financial Corporation NMLS #135622
These are the requirements for the home equity line we place. Other lenders set their own guidelines, and some are more flexible.
Before you reach out
No. The initial conversation and options check use a soft credit pull, which does not affect your score. A hard inquiry only happens if you choose to proceed with a formal application.
No. Checking what you qualify for costs nothing and carries no obligation. If you go ahead with a line, the origination fee and closing costs are paid from the line rather than out of pocket, and they are shown in your offer before you sign.
These are the requirements for the home equity line we place. Other lenders set their own guidelines, and some are more flexible.