Realize Your Dream of Home Ownership

Welcome to C2 Financial Corporation, I'm Mark Spencer, your Southern California home loan expert dedicated to making sure your home purchase or refinance experience is top-notch.

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What's Your Home Worth Today?

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Real Customer Experiences

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Patricia Fuentes-SalinasPatricia Fuentes-Salinas

My experience with Mark Spencer from C2 Financial Corporation was absolutely wonderful. I was stressed and doubtful that I could refinance my home but from the moment I spoke to Mark, he understood my situation and helped with my home refinance. From beginning to end he was helpful and made the process so easy for me. I truly appreciated the e-documents and the helpful videos of how the process would go and what to expect. Every time I called Mark he was available to answer my questions and guide me through the process. With his help all went smooth from beginning to end of the refinance. Also it did not take a long time at all. I highly recommend Mark Spencer, C2 Financial Corporation! Thank you So much! I will not hesitate to give him a referral.

gary spencergary spencer

Smooth painless refinance of our mortgage. Our loan officer, Mark Spencer, kept us informed through the process and delivered what he said he would do. We are very pleased.

Wendy SotoWendy Soto

Mark has been more than just a normal loan officer. From day one Mark showed how much he cares for his clients. While every other loan officer I went to denied me a home loan, Mark went the extra mile, did all the research and found a way to get me qualified. His work ethics are in my opinion “extraordinary.” He is a very honest and very hard working individual. I will not work with any other agent other than Mark. He has made all my transactions easy and stress free. I trust him 100%.

Jordan LJordan L

Great lender! Great rates! My wife and I used Mark to refinance our home and we couldn't have been happier with the entire experience! Early on in the process the rates and costs he quoted us were very competitive. and he was available to answer our questions quickly and in a professional, informative manner. The underwriting stage was fairly straightforward and we were surprised how quickly he got us to the finish line delivering exactly what he promised. Overall it was a smooth transparent transaction and I am happy to recommend Mark to anyone shopping for a mortgage.
-Jordan

AmberAmber

I would definitely work with Mark again on a new or refi loan. His knowledge and dedication to the industry is a godsend. He puts in the work for his clients and is great and easy to work with. I've referred him to several people and they've stated that he was dedicated and determined to have positive results for them as well. Would definitely work with Mark again on future loan endeavors.

Current

California

Mortgage Rates

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1W Change %

APR

1W Change %
Last Updated:

Rate

1W Change %

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Rate

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All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Mark Spencer to receive a personalized rate for your specific situation.

Current

California

Refinance Rates

Rate

1W Change %

APR

1W Change %
Last Updated:

Rate

1W Change %

APR

1W Change %
Last Updated:

Rate

1W Change %

APR

1W Change %
Last Updated:

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Mark Spencer to receive a personalized rate for your specific situation.

More from Zillow

Rating ∙ Reviews on Zillow

m/d/Y

Loan Type
Loan Purpose
Loan Program

Mortgage services provided by - Southern California California

Rating ∙ Reviews on Zillow

m/d/Y

Loan Type
Loan Purpose
Loan Program

Mortgage services provided by - Southern California California

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

1%

4.5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

$1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Southern California? Rates are historically low and now may be the right time to start saving money every month!

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
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Get in Touch

(310) 428-9523 10509 Vista Sorrento Pkwy #400
San Diego, California 92121 NMLS# 454326
  • Zillow
X Mark Spencer

If you have any immediate questions or concerns don't hesitate to give us a call @ (310) 428-9523

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