Welcome to C2 Financial Corporation -

Scott McPherson Mortgage Consultant

MLO – NMLS # 326758, C2 Corp NMLS #: 135622
NV License # 58016, NV – C2 Corp #: 3260

How to Find the Best Mortgage for You?

Scott McPherson - Mortgage Consultant at C2 Financial Corporation can help

Ready to set out on the journey of purchasing a home or refinancing a mortgage? You can rely on us to help you find the loan program that’s best for you. We have a team of mortgage experts to walk you through this major financial decision. For assistance in choosing the right loan program for your unique situation, feel free to call 619-609-7006


1. Decide on your maximum loan amount

This is a function of a couple things. What kind of monthly payment are you looking for? And given your unique credit and employment history.

2. Pre-qualify for your

This is where the process really begins and you save the most money. You will provide details on your employment, assets, and residence history.

3. Apply now! We make it easy

Once you have made an offer and the sellers accept it, you should apply for the loan. It couldn’t be easier, and you can apply online, right here on our site.

4. Your loan is

You’ve answered some few questions, given us lots of information, applied online, and before you know it, you’re moving in.


Residential Mortgage Broker/Banker serving CA, TX, and NV

MLO – NMLS # 326758, C2 Corp NMLS #: 135622
NV License # 58016, NV – C2 Corp #: 3260


When I upgrade to a larger property, I will definitely use Scott again as I trust that he has my best interests in mind.
Khoa H.
San Diego, CA
Scott recently helped my boyfriend and I with our loan for our first home. Even though we were in Northern California, Scott was always available for us throughout the whole process. He provided us with easy to follow examples that broke down the cost of our monthly payments which helped us to see what we could afford. Scott gave us advice on how to increase our credit score in order to help save on our closing cost. Scott is very knowledgable and gets things done. He patiently provided us with the information we needed to make the best decisions. Scott was amazing throughout our first time home buying experience. He is easy to talk to and always gets back to us through phone calls and email. I highly recommend Scott and we will use him again for the next home we buy. Thanks Scott for all your help, you truly made this experience easy for us! I highly recommend Scott for all your home lending needs!!!
Mary A.
Pleasant Hill, CA
Scott was my real estate agent for about 2 & 1/2 years as I perused the market looking for the perfect condo to call home. Throughout the long search, Scott was very flexible and patient. He was willing to look as frequently or infrequently as I felt necessary each particular week. He also answered all of my first time buyer's questions and thoroughly explained the process so I was educated and comfortable with every step along the way. A lot of the properties in my price range needed some minor improvements to bring them up to my satisfaction. Since I was strapped for time, Scott volunteered to get estimates on replacing carpet/hardwood, appliances, etc., so I was fully aware of the financial impact to my budget. He even researched how to get rid of cigarette smoke for one of the properties I was potentially interested in. When I finally find my place, Scott went above and beyond to make sure we closed the deal. Always having his client's best interest in mind, Scott sacrificed part of his commission to ensure I was adequately positioned to close! We had a short window with a strict deadline to successfully close escrow, and Scott pulled it off without a hitch. He even drove from SD up to LA to make sure the down payment check got to the bank on schedule. It was awesome having one point of contact for both my real estate and mortgage questions/concerns. He took care of it all and also did all the extra little things that end up making a huge difference! Thanks to Scott I am now a very happy homeowner.
Meghann P.
San Diego, CA
Scott provided me a service I was really happy to pay for, even though he wasn't involved in the search for the condo I ended up purchasing. After renting a condo for several years, the late owner's children wanted to sell directly to me, with no realtor involved. I wasn't comfortable not having someone deal with the group, so I hired Scott to assist me with all the preparations, legal documents, due dilligence, negotiations / terms, etc. He gave me great advice, guidance and worked very hard on the mountains of paperwork involved with the purchase of a condo. He helped me with purchase negotiation strategy to save tens of thousands of dollars on my condo! Because Scott is also involved with mortgage financing, he got me a great deal on my loan, and helped with meeting the short turn around on deadlines involved with that respective paperwork. When I ran into questions, he was very responsive and knowledgeable with the right answers. Scott's best quality was his thoroughness. He left no stones unturned to be sure there were no surprises or setbacks in the process. Things went smooth and I was able to close within the allotted time. From my observations with other agents and loan officers (especially for my friends who went thru the same purchasing process for their homes and condos), Scott went well beyond my expectations...you can't go wrong working with him! I highly recommend choosing Scott as your realtor and/or lending agent.
Eric F.
Hermosa Beach, CA
Scott did an excellent job reaching out to us with a refinance opportunity and guided us through the process with speed and professionalism. He was thorough and readily available when questions surfaced. I would highly recommend contacting Scott for all of your lending needs!
Alan R.
San Diego, CA
Longtime Yelp user, first time reviewer. This review is a few months overdue, but definitely warranted. So working with Scott was absolutely the best thing I could have done in my search for a home. A mutual friend referred him to me, and from the start Scott showed the level of attention and competence that truly sets him apart from others. I used Scott initially as my Realtor, and after encountering difficulties with my bank/lender Scott stepped up the plate and served as my loan officer. We kicked off with a face-to-face meeting and Scott explained the dynamics of the current market, and we talked about the entire buying process, from the search to the end, and then we go into what I was looking for and what areas and prices I was looking at. As a first time home buyer, Scott's expert knowledge was extremely helpful, not only in my search, but in having confidence and maintaining a certain comfort level in a process that can be confusing and stressful. With Scott's custom search engine doing all the work, I was able to simply browse the results in my own time, and then contact him about viewing potential contenders. Over the 10-11 month process and after several tries and making adjustments to the search and home requirements, we were finally able to strike gold and found a condo that fit the bill. After the contract was signed Scott's true expertise began to show, as he was Johnny-on-the-spot with every document and disclosure and worked to make sure there were open lines of communication with all parties, which became crucial as little difficulties popped up that could have derailed the whole effort had it not been for Scott's heads up handling and taking care of the situation. Working with Scott I could see that he truly understands the financial aspects of the home buying/lending process, and he worked with me to improve my financial standing and get a better rate than I could have done on my own, and taught me a few things along the way. I felt confident having such an expert on my side, who took the time to explain the process and answer any questions that arose. In the end I was very, very happy and satisfied in my choice to go with Scott and C2 Financial even though I hadn't planned on that initially. Working with Scott the whole way through the process made everything better. I have already recommended friends to use Scott's services and I give Scott my highest recommendation to anybody looking to buy or refinance a home.
Glen J.
San Diego, CA
Working with Scott was a very comfortable process. This was my first refinance, so I had many questions and needed to understand what was involved. Scott answered all of my questions and offered a no pressure environment. He was always available and would check in periodically throughout and after the close, to see if I needed anything. I had a VA loan and originally thought I would have to find a specialist. Scott was able to coordinate everything and make sure we were good to go. I would recommend checking with Scott for all of your real estate needs.
Cole C.
San Diego, CA
We went for a round of beers after we closed escrow, this guy is dope. He makes the buying a home process go smooth
Alejandro C.
Escondido, CA
Scott is great i have been a business to business partner with him going on 3 years now and i refer most if not all of my clients over to him looking for any financing. I have yet to hear an unsatisfied client. They're all blown away by Scott's knowledge, communication, efficiency, and speed. Whether you're a consumer looking for a purchase or refinance or your a Realtor/Business professional looking for a great broker Scott's your man. Keep up the great work Scott, looking forward to working with you for years to come.
Anthony S.
Troy, MI
I would highly recommend contacting Scott for all of your lending needs!
Alan R.
San Diego, CA
He really went above and beyond during what turned into about a 6 month process.
Mackenzie B.
San Diego, CA
Scott and his C2 Financial team were able to close in 25 days! Scott is very thorough and calls weekly with updates! It was a pleasure working with him
Matt M.
San Diego, CA
There are no words to describe how much I appreciated Scott's help when I bought my first home. There aren't many brokers who will take the time to explain things to you, even at 9 pm and on weekends! He was patient with all of my hundreds of questions, gave me several options to choose from, and even showed up at the loan signing to make sure everything was in order. Even after I had moved in, he took the time to sit with me and explain everything that I would need moving forward. When I upgrade to a larger property, I will definitely use Scott again as I trust that he has my best interests in mind. I have already recommended him to several of my friends and will continue to do so because the level of service that he provided was phenomenal. Many thanks to you Scott for making my first home purchase an easy one!
Khoa H.
San Diego, CA
Scott and C2 Financial were excellent for helping me refinance my condo. They kept me posted every step of the way and made the whole experience as painless as possible!
Sheila H.
La Mesa, CA
Scott recently helped me handle the financing of my condo in San Diego. It was my first time buying a home so I was pretty unsure of what I was doing, but Scott was extremely helpful. He explained every step of the process so I could understand it, and when I wasn't sure what to do I'd ask his advice and he always took the time to explore the options with me. And then a few months after the deal was done, he gave me a call letting me know interest rates had improved since I bought and I could refinance and save some money on my mortgage. So we just finished that up and it was another good experience. Highly recommended.
Sean M.
San Diego, CA
Simple put ... Scott is fantastic. We have worked with Scott on two separate occasions and both times were awesome. Scott makes the process of getting a loan, which can be stressful, as stress free as possible. He was not the recommended loan officer by my realtor but after receiving estimates from both Scott and another lender, we decided to go with Scott. Definitely a good decision on our part. My realtor also complimented on how easy it was to work with him and that he was on it. About 6 months later we decided to refinance due to the interest rates being lower. Again, Scott took care of us and we closed in a timely matter. We will continue to use Scott as our first choice in any future loan needs. We highly recommend Scott McPherson.
S F.
Citrus Heights, CA
Scott is fantastic! I had been trying to re-fi to take advantage of lower rates and had been working with another service provider, but was concerned about some of the specifics of the loan she was recommending. Scott took the time to walk through the different loan options in great detail to make sure we selected the loan package which was right for me. He was able to secure a lower interest rate, higher appraisal and lower closing costs - and generously contributed part of his commission to a charitable fund to help a mutual friend. After the loan was complete, he made sure to take the time to walk me through the final package so I have a full understanding of the components and commitments. I'll hopefully be moving onward and upward into a larger property soon, and will definitely use Scott for the financing portion. Thank you Scott!
Nona J.
Redondo Beach, CA
I enthusiastically recommend Scott, who assisted with the loan on my house in North Park. Scott was responsive, informative, and never pushy. Importantly, he was always willing to go over the fine print and answer all my questions.
boston p.
boston p. La Crescenta, CA
Scott recently helped my husband and me refinance our condo. He secured us a great rate, met with us personally several times, provided us with various options, and walked us patiently through all the paperwork. Scott was thoughtful and responsive to all our questions, thoroughly addressed all our concerns, was knowledgeable, trustworthy, and efficient. We couldn't have asked for more, and have already recommended Scott to our closest friends.
Karen B.
San Diego, CA
Scott did an excellent job reaching out to us with a refinance opportunity and guided us through the process with speed and professionalism. He was thorough and readily available when questions surfaced. I would highly recommend contacting Scott for all of your lending needs!
Alan R.
San Diego, CA
Scott got the work done, used him on my first home and he did a great job. I would used him again when I buy my next home. Thanks for all the help Scott.
Michael D.
Ramona, CA
Scott helped us finance our first home together and he was amazing. Super responsive, patient and helpful! We made him work hard too - we went through a few bids and escrows before we got the one we love. But it was all worth it and he made it better than it could have been, for sure.
Theresa M.
Alameda, CA
I wanted to add to the glowing list of reviews for Scott! He helped me to refinance & keep my house during a divorce. His patient, calm & helpful attitude really helped to make a stressful situation much more bearable! He really went above and beyond during what turned into about a 6 month process. He was constantly researching options, did a great job explaining things, & made a great effort to stay in touch and make sure I felt comfortable with the process!
Mackenzie B.
San Diego, CA
Scott assisted me with refinancing my home, a smooth process which lasted just over one month. He was incredibly professional and kept me apprised of what was happening with rates and the loan. Scott was also very clear and patient about explaining what documentation would be needed to secure a loan and always took the time to thoroughly answer my questions in a timely fashion. Many times he went above and beyond the call, even ordering a second carbon monoxide detector for my appraisal, to ensure the deal went smoothly. I highly recommend him to help with your financing or refinancing needs.
Mark V.
San Diego, CA
I have done a purchase and a refi with Scott. On both occasions he walked me through the steps to make sure I was getting the best rate. He helped make sure the credit score was as high as possible to get the best rate. He was very responsive to all my questions and concerns. Scott and his team were very professional and made the process go as smooth as possible. I will continue to turn to Scott for all my mortgage needs.
Nick J.
Burbank, CA