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C2 Financial Corp

333 City Blvd West 17th Floor
Orange CA , 92868
(866) 617-7381

Outstanding Service

Our experience with Emmett Clark was incredible. He gave us the best interest rate for our financial requirement. He kept very good communication throughout the entire process. His methods were truly simple and rewarding. We will definitely recommend Emmett to anyone needing a true professional.

Great Experience

Emmett was easy to work with throughout the whole process.
Great communication and quick! we were signing mortgage docs with a notary in 2 weeks.
I would definitely recommend Southland Home Finance.

Quick and Efficient

Emmett was very easy to work with and delivered exactly as communicated. Overall a seamless experience start to finish and will work again for sure.

Top Notch Service

Emmett stood out from the moment we started vetting companies to refinance our mortgage. He was one of only two people who responded to my request for a quote in the format I requested. In fact, he gave me three quotes with slightly varying cash out amounts to better weigh our options. And from there he kept distinguishing himself with VERY timely responses and good information. We found him to be credible from the outset, which is important when you will not be doing business face-to-face.

Found the best rate with Southland

Refinanced two homes with Southland at the same time. Received the best rate by far for my rental property. The process was very smooth considering the the timing on one loan having to close before the other. Worked with Emmett and he could not have been more helpful.

Great Experience!

Emmett was AMAZING to work with. We were done with the process in less than a month even though there were some tricky parts of our refi. Emmett was in contact daily and was always prompt to respond when I had a question. If I ever needed to refinance, I would not hesitate to go with this company and Emmett specifically again. 10/10. Mins

Great service! On time, and without a problem! As smooth as silk with my REFI. Great work Emmett!

Very happy with my new loan! It went so fast, then before I knew it we were ready to close!
Emmett did an outstanding job! I have recommended him to my brother-in-law who is thinking of re-financing.

Easy Process

The entire process was easy and quick. Emmett was extremely responsive and explained everything in advance. We’ve refinanced in the past with a major bank and the process was stressful and confusing. Would recommend Southland Home Finance to everyone as they made the process effortless

Knowledgable, 5th loan!

Emmett was great to work with. He is very knowledgeable, quick to respond and easy to work with.  I have done 5 loans with him and each time he made the process simple and easy for my husband and I.  He is a complete professional and I recommend him to all of my friends.

Investment Property Closed 21 days!

So happy to have used Emmett Clark with C2 Financial Corp on our investment property purchase. We closed on time in 21 days. Emmett was thorough in his initial pre-approval including identifying potential issues. We sailed through underwriting and closed on time. Very happy with Emmett! 

Closed loan despite Natural Disasters!

So, we live in Windsor, CA/Sonoma County. We applied for refinance at a
rate of less than 3% and we were due to close around the 15th of
October. Then the fires came within a couple of miles and our whole
situation changed. We were in a national disaster area and the tubs
fire did not get contained until about the 30th. Emmett made the whole
process from beginning to end effortless on our part and kept it so
during the multiple extensions. Rates had gone up nearly a point at
this time but Emmett went above and beyond during this time to make sure
we kept the loan locked and that we were okay. I highly recommend
Emmett Clark without hesitation. We had worked with two other lenders
and canceled the process after they could not follow the simplest of
directions and irritated my wife.

Great loan!

We just completing refinancing our home and couldn't have had a better, pain-free experience. Everything went smoothly and as planned. Emmett did an awesome job in keeping us updated through the entire process and was very prompt and courteous in communicating/responding. Very customer focused and really easy to work with. Highly recommended!

Four loans and still going!

I've done business with Emmett Clark for many years now. I know him to be diligent, hard working and has always managed to be at the top of the pricing for our needs. We most recently purchased an investment property with Emmett Clark of C2 Financial Corporation and are stoked to have closed early. Thanks Emmett!

Quick and Painless

Emmett was great. He is knowledgeable and very easy to work with. The process was quick and painless. He responds quickly to all emails/texts. I have refinanced in the past and this was the easiest and quickest I have experienced. I will gladly recommend Emmett to all my friends and family.

Two loans at once!

I was introduced to Emmett Clark of C2 Financial Corporation through a friend at work who had done refinances with Emmett. He also referred several others last year and Emmett closed those too. I was in a situation where my brother and I owned a property that we decided to swap. Emmett helped me refinance the one home and get my brother off it; and simultaneously Emmett did the purchase loan for my brother taking me off that title.  We got great rates on both our loans, and we saved a lot of money by being able to use a title company that was associated with the lender Emmett placed us with. All around excellent service and we highly recommend Emmett!

Hassle Free Refi!

Emmett was great from beginning to end of our refinance process... He
gave us the best deal and we closed in less than 30 days. This was the
fastest and easiest refi we went through. We highly recommend C2 Financial Corp! Thanks again Emmett!

Thanks Emmett!

Emmett was awesome. I gotta admit I was a little skeptical about following a link to a mortgage but Emmett put all of my doubts and reservations to rest. He was fantastic through the entire process. I was able to save a bunch of money going through him. I highly recommend Emmett. If you are on the fence, just contact him and you'll know you are in the right hands.

Best in the Business!

I work in the mortgage industry and have worked with hundreds of loan officers over the past 15 years. Emmett is an honest and hard working family guy, very knowledgable with the mortgage and financial markets, extremely professional, has the most highly competitive rates, and always answers to email, text, phone calls at any day or time of the week. We closed within 3 weeks from my initial phone call. You will not be disappointed and he will make the loan process quick and painless. Please do yourself a favor and take him up on his services.

So Glad We Found Emmett

We were about to move forward with
our cash-out refi with a large-ish bank and when it got down to the wire
and we were about to apply, they gave us the rate and I kinda panicked
thinking "Really?! Is that as low as we can get?" My husband kept going
back to Zillow and asking "Why can't they match these much lower rates?"
So I decided to run our numbers through Zillow at the last minute and
Emmett came up with the best rate for that day for our scenario. I
filled out his form and he called me - I'm not kidding - within 60

In our first call I knew almost *immediately* I liked
him. I told him our goals and unique scenario and why we were struggling
to make a decision on how best to move forward. He explained in a way
that made sense to me. Very clear and concise. He told me how he was
able to offer such low rates. Within an hour he had emailed me 3 very
clear refi scenarios - what I'd been trying to get from other banks and
never got. That evening my husband and I discussed it and read all of
Emmett's reviews and decided to go for it. I knew within half a day I
would be getting better customer service from Emmett than from the other
bank, supposedly known for its amazing service.

The process went
very quickly and he was amazingly responsive. Via email, text or phone -
he got back to me super quickly each time I asked a question. We had
only one hiccup during our refi: our appraisal came in lower than
anticipated. It messed up our loan-to-value which ultimately affected
our rate which was a bummer. Emmett was very quick to provide us with
updated numbers and was patient with us when we needed / wanted a bit
more time to evaluate the new scenario. In his haste to get us new
numbers, we caught a few errors in his math and he was very forthcoming
about it, super cool just saying "Okay, you're right. I transposed those
numbers, here are the correct ones. Sorry about that."

The best
thing Emmett did was to honor the original closing costs he quoted me in
our first call. Even though his costs increased, I believe he took a
hit on our transaction in the name of keeping his word. This was really
professional and honest and I imagine very rare in this industry.

brother and his wife went through a cash out refi at the exact same
time and I freaked out when I heard how high her rate was. Granted,
working with Emmett there will be closing costs - and my sister-in-law
didn't have any. BUT our rate is so much lower we were happy to pay the
costs for a savings over the long term life of the loan.

I would highly recommend Emmett Clark!

Easy Refinance

I contacted Emmett about a refinance. He was very straightforward about
pricing and fees. I send him the required paperwork and in 48 hours, he
had underwriting approval. We closed within 3 weeks. I'm saving enough
each month to pay for earthquake insurance...and it didn't cost me
anything. Easy to work with and extremely responsive.