Your Partner inCalifornia Home Financing
With 25+ years of experience in the mortgage industry, we make the home financing process simple and seamless. Our team looks for potential snags and prevents them before they become problems. We work hard to meet or beat our deadlines.
What Our Clients Say
Derek S.
TestimonialTom was very helpful in providing advice and information. His friendly, positive and professional attitude made me feel at ease and was easy to talk to. Tom was able to answer my questions and provide an insight on finance that I was previously unaware of.
James K.
TestimonialTom and C2 Financial has always been our one stop shop for all finance needs. They have great professional advice and will advise you of your best option and structure to go with to keep as much money in your pocket rather than the banks. We have always got our desired result, saved money along the way and we wouldn't use anyone else.
Doug K.
TestimonialThanks!! We really appreciated your efforts through the whole process. And particularly appreciated you educating us and keeping us in the loop throughout. We've just finished moving everything in now. And we are very happy with the outcome.
Sandy G.
TestimonialThanks so much Tom, you guys were so great to deal with and got us an amazing rate. We will definitely be recommending you guys (now we have found out for ourselves what our friends were going on about!)
John C.
TestimonialThank you for all your help to guide me through my first investment property. It's much appreciated.
Bill B.
TestimonialThank you so much to Tom & Jennifer. We literally wouldn't have been able to do all of this without the hard work you both did for us to ensure we could finally celebrate our first home. We both look forward to keeping you up to date with the progress as we build. As well as working with you again on our future purchases. Thank you so much for all that you do!
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About Tom Micheletti
Buying or refinancing a home is a very exciting time, but it can also be overwhelming. We are here to make sure the mortgage process is as simple and seamless as possible—that's the advantage of choosing an experienced team like ours.
We each have 30 years of experience in this industry, and have done every type of loan imaginable. Our team looks for potential snags in the loan process and prevents them before they ever turn into a problem for you. We work hard to meet or beat our deadlines.
We believe in communicating with you in an honest, open way and leveraging technology to the fullest. You will always know the what and why of each state of the loan process.
We hope you give us the opportunity to exceed your expectation
25+ Years Experience
Decades of expertise navigating every type of loan scenario
Client-Focused Service
We communicate openly and keep you informed at every stage
Technology-Driven
Secure online tools and real-time loan status updates
Available When You Need Us
Evening and weekend access for your convenience
Loan Programs We Offer
We offer a comprehensive range of loan products to meet your unique needs.
Key Benefits
- ✓As little as 3% down payment
- ✓15 to 40 year terms available
- ✓Competitive interest rates
- ✓No property restrictions
Ideal For
Buyers with good credit and stable income
Purchase or Refinance?
Whether you're buying your dream home or optimizing your current mortgage, we have the right solution.
Home Purchase
Find the perfect loan for your new home
Why Work With Me?
- ✓Pre-approval in as little as 24 hours
- ✓Multiple loan program options
- ✓Competitive rates and closing costs
- ✓Dedicated support throughout the process
Refinance
Lower your rate or access your equity
Should You Refinance?
- ✓Reduce monthly payments
- ✓Shorten your loan term
- ✓Access cash for home improvements
- ✓Consolidate high-interest debt
Mortgage Calculators
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Additional Monthly Costs
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Payment Breakdown
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Disclaimer: This calculator is for informational purposes only and does not constitute financial advice. PMI (Private Mortgage Insurance) is automatically included in calculations when the down payment is less than 20%. The estimates provided are based on the information you enter and may not reflect actual rates, terms, or costs. Consult with a licensed mortgage professional before making any financial decisions.
Get In Touch
Ready to get started? Contact us today for a free consultation.