C2 Commercial division provides commercial real estate financing for multifamily, single-tenant, retail, office, industrial, manufactured housing, and more. Our products include long term fixed, fully amortizing, high leverage up to 90% Loan to Value, Fannie and Freddie financing, full, partial or non-recourse, bank, conduit and life insurance loans through our direct and correspondent relationships. We are a full service commercial loan broker that delivers the results you expect, in any market, for any property type.

Apartment Buildings 
Commercial Construction
Church Buildings
Gas Station Loans
Motel Buildings
Industrial Property 
Medical Office 
Mixed-Use Buildings
Office Buildings
SBA Loans
Retail Stores
Shopping Malls
Nursing Homes
Income Property
Multi-Family Units
Subprime and Hard Money 
30 year fully amortized 
Fix & Flip products
Stated income Loans 
Alt Doc (12-24 month bank statements) 
Lending to Foreign Nationals



Business Owners and Self Employed - Stated Income Loans

If you’re a business owner or are self-employed, qualifying for property financing is a difficult process. For most Business Owners due to deductions, depreciation and business expenses - annual tax returns don’t adequately represent their ability to repay. Ask about new loan programs designed for self-employed borrower’s that qualify off your bank deposits from business revenue or use true "stated income" (investment property). These loans don’t require tax returns, pay-stubs, W-2’s, 4506T’s, K-1, 1099 etc if you qualify for the loan.  Stated Income Loans are a great options for borrowers looking to purchase or refinance a residential investment property, but prefer to avoid income documentation or verification. A great advantage is that these loans come with a fixed 30 year term. Please call 1-818-275-1019 to discuss your specific requirements. 


Foreign National Loan Programs

From jumbo, no-tax return & foreign national loans to complex super jumbo loans, we specialize in lending solutions for clients who don’t fit into typical lending categories. America is Investor Friendly and provides complete and Protected Ownership for Foreign Citizens. Hence foreign investment in American real estate has grown dramatically in recent years. Investing in income real estate provides a great opportunity for foreign investors to diversify asset portfolio and to protect against inflation and recessions. Our Foreign National Loan Program makes buying a home in the US easier for non-US citizens. No FICO or international credit report is required. The borrower need not be be US Citizen or Green Card holder. Our Foreign National Loan program offers competitive interest rates and fast closings.  Please call 1-818-275-1019 to discuss your specific requirements.  


Jumbo and Super Jumbo Loans - Competitive Rates & Fast Closing

Fannie Mae and Freddie Mac are government sponsored enterprises that purchase loans from lenders. These enterprises set qualification standards and limits on loan amounts they are willing to purchase based on county and dwelling type. Loans issued by lenders under these limits are known as "Conforming Loans," because they conform to set standards. A Jumbo loan is a loan that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. C2 Financial is a leading provider of jumbo loans. As an experienced jumbo and super jumbo mortgage lender, we offer a variety of programs including fixed, adjustable and interest only loans, etc. Our Jumbo Loan Rates are Low and are closing in weeks not in months like the big banks. For a rate quote, please call 818-275-1019 to discuss your specific requirements.  


Portfolio / Non QM / Sub Prime / Blanket Loans 

Portfolio Loans are loans that do not meet the credit requirements of Fannie Mae and Freddie Mac. The Portfolio Loan Loan is designed for borrowers who have bad credit, bankruptcies, foreclosures, tax liens, or lack of cash reserves, etc and cannot qualify for a conventional mortgage. Another reason is to purchase a property that need a lot of repair or complex or home owners association does not meet conventional or FHA property guidelines. These loans are very popular with real estate investors purchasing multiple properties at once in good and poor condition. C2 Financial has access to basically every portfolio loan available in the marketplace today. These lenders are called portfolio lenders, because they originate loans for their own portfolio, and don’t sell them to the secondary market. For more details or rate quotes, please call 818-275-1019

Get Loans from 100+ Banks, Direct Lenders, Credit Unions and Investors

As California’s largest wholesale mortgage lender, we can broker with the wholesale division of major banks, as well as smaller banks and investors that are in our network who offer unique loan programs and are competitively priced. We have access to virtually every loan program available in today’s mortgage market. C2 Financial is known for fast closings, competitive rates and great service. We use lenders that have very few overlays and have closed deals that other lenders have declines. Since each loan and client requirements are different, we search over 100 different banks and investors to find a suitable choice. Thus, borrowers can save their time calling around different banks to compare rates. 

Riju R. Sam          Residential and Commercial Loan Officer

​(T)  818-275-1019    (E)  loans@rijursam.org

 CA BRE: 01893153      NMLS: 1101409        

​ C2 Financial Corporation          10509 Vista Sorrento Pkwy, #400, San Diego, CA 92121

BRE Broker: 01821025  NMLS: 135622

NMLS Consumer Link - http://www.nmlsconsumeraccess.org        C2 Financial Corporation: www.c2financialcorp.com

The services referred to herein are not available to persons located outside the states of California, Texas and Florida. Licensed in Texas by the Texas Department of Savings and Mortgage Lending

Texas Recovery Fund Notice https://www.sml.texas.gov/ResidentialMortgageLoanOriginator/documents/rmlo_compliance_reporting/rmlo_80_200_b_recovery_fund_notice.pdf

Disclaimer: The services referred to herein are not available to persons located outside the state of California. This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Bureau of Real Estate, Broker # 01821025; NMLS # 135622. *Loan approval is not guaranteed and is subject to lender review of information.  Loan is only approved when lender has issued approval in writing. 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.  

C2 Financial Corporation is approved to originate VA and FHA loans, and has the ability to broker such loans to VA and FHA approved lenders. C2 Financial Corporation is not acting on behalf of or at the direction of HUD/FHA or the VA.




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