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Seattle Wholesale Mortgage Pro

I'm Lance, your local mortgage expert.

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

NMLS #742281
425-478-6412
lmorgan@c2financial.com

Why C2 Financial?

At C2 Financial, I connect clients with the nation’s largest wholesale mortgage lender network, giving you access to lower rates, fewer fees, and more loan options than retail or correspondent lenders can offer. While many lenders call themselves “brokers,” most operate under a correspondent model, meaning they only shop the market when they lack the right product — not when there’s a better price elsewhere.

As a Seattle-based wholesale mortgage broker, I shop dozens of lenders to secure both the best product and pricing for your specific needs. This makes wholesale the most cost-effective way to finance a home in Washington and Oregon, whether you’re a first-time buyer, refinancing, or investing.

C2’s scale also delivers faster turn times, industry-leading technology, and flexible underwriting — helping me close purchases in as little as 8–14 days. Combine that with my 24+ years of experience, and you get strategic, transparent mortgage guidance designed to help you win in competitive real estate markets like Seattle, Bellevue, Kirkland, and Issaquah. I am licensed in WA and OR!
About Me
With over 24 years of mortgage lending experience in Washington and Oregon, I help buyers, homeowners, and investors secure smarter financing strategies that go beyond just quoting a rate. I specialize in structuring offers, negotiating terms, and positioning your financing as a competitive advantage in today’s fast-moving real estate market.

As a true wholesale mortgage broker with C2 Financial, I have access to dozens of lenders — allowing me to match you with the best product and pricing, not just the “in-house” rates offered by retail banks or correspondent lenders. My clients benefit from lower interest rates, reduced closing costs, and faster approvals, with many loans closing in 8–14 days.

Whether you’re a first-time homebuyer in Seattle, refinancing in Bellevue, or expanding your investment portfolio in Kirkland or Issaquah, I deliver fast, responsive service and transparent communication from application to closing. My goal is simple: help you save money, eliminate stress, and win in the real estate market with financing tailored to your goals.

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!

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Lance Morgan
Branch Manager | A Mortgage Brokerage
Phone: 425-478-6412
lmorgan@c2financial.com
Branch Address:
12934 22nd PL NE, Lake Stevens, WA 98258
C2 NMLS #135622 | C2 OR #ML-4917 | C2 WA #MB-135622 | NMLS #742281 | OR #742281 | WA #MLO-742281
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