Residential Mortgage Broker. Click here for license information

As of December 7th 2021, C2 has helped 78,970 families with their home financing needs.


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Discover why C2 Financial...

was rated a Top-Mortgage Lender in Scotsman Guide

C2 Scotsman Top-Mortgage Lender
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C2 Financial Corporation ...

has an A+ rating with the Better Business Bureau

C2 BBB A+ Rating
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We're very proud that C2 Financial ...

was included in the Top 50 Best Mortgage Companies to Work For

C2 was included in the Top 50 Best Mortgage Companies to Work For

Lori Garrow Sr. Loan Officer

Branch Address:
Fax #: 858-777-5305

Company NMLS #:   135622
LO NMLS #:   248264
CA Bureau of Real Estate:   01044056
Arizona:   1002090
Flordia:   LO55934
Texas:   248264

About Me

Lori Garrow has been working with C2 Financial Corp. since 1998 and has had the opportunity to help 100's of buyers and home owners finance their new homes.  Her clients have appreciated knowing, not only what they qualified for, but exactly what the interest rate would be, house payment and closing costs if any.  Lori can often arrange for a lender credit that would pay their closing costs.

C2 Financial Corp. now has over 100 wholesale lenders.  Lori compares multiple quotes in seconds to find the perfect loan.  She has an incredible number of loan types available, including a 1% down conventional loan with no monthly or upfront mortgage insurance.  It even comes with a 2% lender gift that does not ever have to be paid back! **

Other loans available are 100% USDA**, FHA, VA, 3% down Home Possible and Home Advantage loans.**  There is also a variety of conventional loans, including 5% and 10% with no monthly or upfront mortgage insurance and with no income limits.

With new technology, Lori's clients can now apply online for a new loan or refinance, totally paperless!  No searching for tax returns and W2's.  Approval is calculated and results shown almost instantly.  In a BLINK you'll have answers that banks take days to figure out.

Apply With Blink Today 

**There are income limitations on some programs.  Please contact Lori for more information.


Types of Home Financing

  • Conventional financing
  • High Balance
  • Jumbo
  • Super Jumbo
  • Low Down Payment with No MI
  • VA
  • FHA
  • Down Payment Assistance
  • USDA
  • HomeStyle Renovation
  • 203K
  • Reverse Mortgage, Purchase and Refinance
  • Low fico score
  • Retired
  • Self Employed
  • Unlimited Financed Properties
  • Harp Unlimited Loan to Value
  • Foreign Nationals
  • Hobby Farms

Why C2?

It's quite simple. As one of the largest brokers in the nation, C2 Financial gets preferred pricing and service from its wholesale lenders. This translates into better rates and quicker closings for you.

But being a large company and closing a lot of loans on its own doesn't make the company great. What makes the company great is its commitment to the borrower to always do the right thing. We make a commitment and stick by it.

Additionally, we are very proud about the following industry achievements:

  • C2 Financial Corporation has been rated by the Scotsman Guide as a Top Lender for 4 years running
  • C2 Financial Corporation has been rated by Mortgage Professional Magazine in the Top 50 Mortgage Companies to work with
  • C2 Financial Corporation has been featured in National Mortgage Professional magazine. To view, copy and paste this link:

My personal philosophy

Our titles vary. We are mortgage consultants, loan originators, loan officers, and mortgage brokers. What does not vary is that every day, borrowers like you entrust us with one of the most important financial decisions of your life, that if not executed properly can have long-lasting repercussions as was witnessed in 2008 during the mortgage meltdown.

We know that despite our best efforts and the government's best efforts to regulate the mortgage industry, our borrowers are too busy to review every last line of every single document . Our borrowers trust us as their mortgage adviser and that what they are signing is in their best interest. We do not take that responsibility lightly.

We do what is in the best interest for you, our client, not what is best for our pocketbook as some other brokers before us have done. We know by doing this, we not only are doing what is morally and ethically right, but we know this belief system will result in our borrowers referring us additional clients, the underpinnings of a long term relationship.

What people are saying about me

Lori has been such an asset in our home shopping experience. We have used her and C2 financial both. She was instrumental in helping us get the lowest rate and also the lower rate when refinancing. We had some issues with our finances and she was able to help us get those straightened out and purchase our home. Will use her and C2 again if we ever move. She is very professional and once you know her she also becomes your friend.

Joy Higbee


Lorie was very helpful when I did a refinance with her. She guided me in the things I could do to ensure the appraised value came in where I needed it to be. She always returned calls or emails when I had questions. She also stayed in touch in for several years in case I needed other services. Would use her services again definitely.

Terry Hamilton-Jorgensen


Lori is the knowledgeable, prompt and professional. She has assisted us when we purchased our home and in refinancing other property. She has inspired our trust such that we have referred both family and friends to her.

Ellen Martin


Lori has been very helpful on several occasions with our mortgage and refi needs. She is very knowledgeable, professional and willing to go the extra mile for her clients. Highly recommend Lori if you are looking for the best mortgage or second!

Michael Naylor


Lori used she skills to help us refinance our home, and is both a trusted advisor, and someone I recommend to my friends to help them either buy a home or refinance. She's thorough, professional and kind.

Teri Kerns


Lori has helped my husband and I with several loans. She was always available day and night, she was always able to make things work in record time and best of all......had great rates! Looking forward to working with you again soon.

Becca Webster


Lori and Mark Garrow Have helped me and my family through out the years. Lori Helped me buy my first house back in 1999, something that I thought I couldn't do back then, but she was able to help me through the process. After that, Lori helped me when it was time to upgrade and then again a few times when I decided it was time to move to the inland empire. Even last year she helped me refinance out of an FHA loan into a conventional loan which saved me quite a bit of money every month. Mark and Lori helped my parents a few times and my brother as well. Every time I think about real estate, I think of them and I contact them to help me through the process. I recommend them and their services to all my friends and family.

Freddy Dubon


Lori from C2 has done 3 separate loans for us on a personal home, plus investment properties. As we are involved in the real estate business, we have many contacts in lending...nobody has been able to beat her rates, not to mention she had great customer service.

Dustin Webster




Helpful Links

NMLS Consumer Access


C2 Financial Corp.