Residential Mortgage Broker. Click here for license information

As of September 24th 2021, C2 has helped 77,354 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

Tim Modica Certified Mortgage Planner

(714) 904-3715
C2 Corporate Office:
10509 Vista Sorrento Pkwy #400
San Diego, CA
Fax #: (714) 512-5116

Company NMLS #:   135622
LO NMLS #:   245301
Ca Bureau of Real Estate:   01320964

About Me

After pursuing my finance degree at California State Long Beach, in 1981 I went to work for a large construction company for 20 years holding many positions with the last 5 years as their Engineering Manager. Not feeling that my life calling was being fulfilled working with this company, I took a step of faith and started a new career in loan origination in 2001.

After doing some market research, I realized that by working for a broker, instead of working for a bank, I could actually help more people with a wider array of programs and offer great rates. I could now shop amongst hundreds of different wholesale lenders for the most competitive rates available for my clients. Plus, I chose to work with a broker who is one of the largest, and because of its size, is able to negotiate preferred pricing and service for its client.

I am all about making long lasting relationships and it shows as I still work with clients that I first worked with 15 years ago. My clients trust me with helping them meet their financial needs as I help educate them in making sure we are making every dollar work as hard as possible for them to aid in the financial needs for their everyday living as well as preparing for retirement.

Many of my clients have become good friends over the years and I couldn't be more blessed knowing that I have made a difference in their lives. My decision years ago to serve the public as a Certified Mortgage Planner definitely has become very fulfilling and rewarding!

Types of Home Financing

  • Purchase, Refinance and Reverse Mortgages
  • Conventional and High Balance financing
  • Jumbo and Super Jumbo
  • 1% Down Payment with No MI options
  • VA and FHA
  • Asset Depletion
  • Multiple Financed Properties
  • Bank Statement qualifying
  • Harp Unlimited Loan to Value
  • OPTION FOR NO LOAN TERM RESTART WHEN REFINANCING- pick a term you want from 5-30 yrs

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, planners, 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

Knowledgeable, professional, responsive, and accurate.

J. Tapia from Temecula, CA

Tim provided excellent service. He is extraordinary in all facets of the loan process. His evaluation of our loan application and matching us with best loan products available was quick and easy. He made the purchase of our brand new dream home a reality.

Great rates, even better service.

D. Kulka from Bellflower, CA

While shopping the loan there's basically two things to consider: how fast / easy will it be, and how much will it cost. Tim has exceeded my expectation in both ways. He was able to get my house to close super fast; actually we ended up being the fastest escrow my realtor had even heard of, outside of cash buyers. Tim also made it easy and cheap. No gimmicky rates with hidden fees, and under certain circumstances even a little credit for escrow costs. If/ when I refinance I hope to be working with Tim, he even promised to let me know of unique offers in the future If they are able to lower monthly payments.

Always a great experience!

R. Hogbin from Dana Point, CA

We have dealt with Tim more then once. He is knowledgeable and competent. He works hard to do the best job for us. Tim keeps us informed during the entire process. He is a pleasure to work with him and we look forward to working with him in the future.


The Lender was amazing!!!

D. Zapalski from Cerritos, CA

The whole process was smooth and simple I couldn't ask for a better lender to help me refinance. I would recommend this lender to anyone who wanted to refi their mortgage. The lender explains the process and all the details and answered all my questions.


Helpful Links

NMLS Consumer Access