Residential Mortgage Broker. Click here for license information

As of February 24th 2021, C2 has helped 72,696 families with their home financing needs.


Slide bg

Discover why C2 Financial...

was rated a Top-Mortgage Lender in Scotsman Guide

C2 Scotsman Top-Mortgage Lender
Slide bg

C2 Financial Corporation ...

has an A+ rating with the Better Business Bureau

C2 BBB A+ Rating
Slide bg

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

Tom Smith (Thomas Richard Smith III) Loan Officer

(858) 571-0711
C2 Corporate Office:
10509 Vista Sorrento Pkwy #400
San Diego, CA
Fax #: (858) 769-5384

Company NMLS #:   135622
LO NMLS #:   275106
BRE #:   01159031

About Me

Tom Smith

(858) 571-0711 

I grew up in a small town in western Pennsylvania.   After graduating college in 1981, I joined the U.S. Navy and served four years attached to a U.S. Navy Submarine. I was Honorably Discharged in December of 1985 and have lived in the Southern California area ever since.

I have been in the mortgage lending industry since 1988 and have extensive experience in Reverse Mortgages, Conventional, FHA, and VA loans.

Work History

C2 Financial Corporation - Mortgage Consultant/Reverse Mortgage Specialist (2016 to Present)

Cornerstone Mortgage - Loan Officer (2011 to 2016)

Mortgage Partners Inc. - Mortgage Broker (2002 to 2011)

Beneficial California Inc - Branch Manager (1988 to 2002) 

Professional Designations

California Real Estate Salesperson License (BRE # 01159031)

Mortgage Loan Originator License (NMLS # 275106)

Member of National Reverse Mortgage Lenders Association (NRMLA)

Member of California Association of Mortgage Brokers (CAMP)

Types of Home Financing

  • Conventional (Fannie & Freddie)
  • Reverse Mortgage (Purchase & Refinance)
  • High Balance, Jumbo & Super Jumbo
  • Jumbo Stated Income for self-employed
  • Low Down Payment with No MI
  • VA & VA Interest Rate Reduction Loans
  • FHA
  • USDA
  • HomeStyle Rennovation
  • 203K
  • Cross Collateral
  • Asset Depletion
  • Low Fico score
  • Retired
  • Self Employed
  • Stated income/Alternative Financing
  • Unlimited Financed Properties
  • Harp Unlimited Loan to Value
  • Foreign Nationals

Why C2?

It's quite simple.

As one of the nation's largest mortgage brokers, closing over $2.5 billion home loans in 2016, C2 Financial can offer you what other lenders cannot. We have access to the very best programs available, lower interest rates, and expedited service from our 100-plus wholesale lenders.

Since every situation is unique, I will use my 29-plus years of experience to guide you through the loan process.  My goal is to place you into the most appropriate loan with the best competitive pricing available.

If you want a mortgage consultant who always has your best interest in mind, please give me a call at (858) 571-0711.

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

I'm extremely committed to client satisfaction and it drives me to work diligently on every loan with your best interest in mind. That philosophy is the reason that I have been a successful loan officer since 1988.

Every day, borrowers like you entrust me with one of the most important financial decisions of your life.  You will be faced with many decisions that have a lasting impact on your financial well-being. I do not take that responsibility lightly.

My ultimate goal is to create a trusting, lasting relationship with you so that we may continue to provide exemplary service to you and your friends for many years to come.


Helpful Links

NMLS Consumer Access