Residential Mortgage Broker. Click here for license information

As of February 28th 2020, C2 has helped 64,717 families with their home financing needs.

Apply Here
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

Tracey Fraser van Putten Mortgage Advisor

Cell: (619) 807-1536
Mailing Address:
12675 Picrus St
San Diego, CA 92129


tracey@traceyvanputten.com
Fax #: (619) 330-4661

Company NMLS #:   135622
LO NMLS #:   292708
CA Bureau of Real Estate:   01065955

About Me

Tracey van Putten earned her BA in Psychology and a Certificate in Business Administration from UCLA. With over 25 years experience in Banking and Real Estate Lending, Tracey has additional education, training and certifications in: First Time Home Buyer Programs, Grants and Income Tax credit programs, Cal Vet & VA Lending, Mortgage Planning, Reverse Mortgages, CalHFA and CHDAP programs, FHA loan programs, Construction & Rehab loans.

Tracey is also an active member of multiple professional and community organizations including: the California Association of Mortgage Professionals (CAMP), the National Association of Mortgage Brokers (NAMB), Association of Independent Mortgage Experts (AIME), Poway Real Estate Professionals (PREP), Poway Chamber of Commerce, the Rancho Bernardo Business Association (RBBA), and Rancho Bernardo Sunrise Rotary.

Whether you are looking to Purchase or Refinance, are a first Time Home Buyer or expanding your Real Estate Portfolio, ready now or preparing for the future, Tracey has the Lending Expertise and Integrity to guide you through this process.

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 Rennovation
  • 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?

C2 Financial is a top-ten National Wholesale Lender providing exceptional service, a comprehensive product menu and extremely competitive pricing.

Your house is more than just your home. Real Estate is one of the biggest investment opportunities available today.

Building YOUR Expert Real Estate Team is an exercise that will keep your Real Estate and Financial portfolio healthy. As a Mortgage Advisor, Tracey performs a comprehensive analysis of YOUR family's overall financial picture to provide Residential Purchase and Refinance Loans to fit your Financial and Wealth Management Strategies.

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

Tracey was extremely helpful and communicative from the very start.  She responded quickly to each of my inquiries and helped me thoroughly understand each step of the process of buying a home - above and beyond the just loan process.  She was able to lock me in at a great rate, I couldn't be happier with my experience!

                                                     -Jessica T - San Diego

Helpful Links

NMLS Consumer Access

Loan Application

Rent vs Buy Calculator

Mtg + Debt - Blended Rate Calcultor