Residential Mortgage Broker. Click here for license information

As of April 4th 2020, C2 has helped 65,515 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

OSVALDO FERRER Branch Manager/MLO

(407) 285-2510
Branch Address:
1655 E Semoran Blvd
Suite 1
Apopka, FL 32703


oferrer@c2financialcorp.com
Fax #: (407) 210-8999

Company NMLS #:   135622
LO NMLS #:   22791
FL License number:   LO17123
Dept Business Oversight #:   603L442
Florida OFR #:   1196256
Branch Office NMLS #:   1867067

About Me

I began my career in loan origination at CITIFINANCIAL back in 2002,  shortly after being in the International Sales and Customer Services Industries for about 5 years.  During my time at CITIFINANCIAL, I was able to help many in my community with personal loans, financing, and purchasing their first home or refinance their current loan.  However, something more was missing.

After doing some market research, I realized that by being a broker, instead of working for a bank, I could actually help more people and offer better rates, better products and have more flexibility.

I decided to make a change and become a mortgage broker.  While I enjoyed my time at the bank, becoming a broker was the best thing I could have done.

Instead of only being able to offer one bank's product, I could now shop amongst HUNDREDS of different wholesale lenders for the BEST RATES AND BEST PRODUCTS for my clients. 

I chose to work with the #1 Mortgage Brokerage in the NATION, C2 Financial Corporation,  a broker who is one of the largest, and because of its size, is able to negotiate preferred pricing and service for its client.

Types of Home Financing

  • Conventional financing
  • High Balance
  • Jumbo
  • Super Jumbo
  • Jumbo Stated Income for s/e
  • Low Down Payment with No MI
  • VA
  • FHA
  • Down Payment Assistance
  • USDA
  • HomeStyle Renovation
  • 203K
  • Cross Collateral
  • Asset Depletion
  • Reverse Mortgage, Purchase and Refinance
  • Low FICO score
  • Retired
  • Self Employed
  • Stated income/Alternative Financing
  • 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 Ranked #1 Mortgage Brokerage in the NATION in the Mortgage Executive Magazine, April 2018
  • C2 Financial Corporation has an A+ Rating with the Better Business Bureau
  • 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:  https://www.c2financialcorp.com/docs/brian-kent-c2-financial-mortgage-professional.pdf

 

 

We offer:

  1. Conventional Loans with as little as 3% Down payment & no mortgage insurance
  2. High Balance loans to $762,525 in all Counties in FL with 10% Down and No Mortgage Insurance
  3. Jumbo Stated Income for Self Employed Borrowers
  4. Low Down Payment with No Mortgage Insurance
  5. VA Purchase Loans to 100% of the sales price or value of your home
  6. FHA loans with 3.50% Down payment
  7. Down Payment Assistance Programs with zero down payment on purchases
  8. USDA to 101% of the sales price
  9. HomeStyle Renovation which lets you borrow on the future value of home
  10. FHA Renovation home loans which allows you to renovate and refinance
  11. Low or NO FICO Score Home Loans
  12. An Unlimited Amount of Financed Properties
  13. Loans for Foreign Nationals

 

**Please call for a free pre-qualification as formal loan approval is required and not all borrowers may be approved. Approval is given in writing by the actual lender. Please call us for specifics to all these programs.

 

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.

 

 This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the Florida Office of Financial Regulations, OFR# MLD1136; 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. The services referred to herein are not available to persons located outside the state of Florida”.

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