Why Broker Services About Contact Get Pre-Approved
Wholesale Mortgage Broker

The PNW's Mortgage Broker
On Your Side.

From Maple Valley to the whole Pacific Northwest, I help buyers and homeowners access 100+ lenders, wholesale pricing, and honest advice, without the bank bias.

Get Pre-Approved Today Book a Free Call
100+
Lender Options
3
States Licensed
WA · OR · ID
Primary Market
Rene Ramos
Mortgage Broker | C2 Financial Corp
NMLS #2004915 | Licensed in WA · OR · ID
✓ No Lender Bias
✓ Wholesale Rates
✓ 100+ Lender Options
✓ Licensed in WA · OR · ID
✓ NMLS #2004915
The Broker Advantage

Why an Independent Broker
Beats Your Bank

🏦

No Single-Bank Bias

Not locked into one institution's rates. I shop 100+ wholesale lenders on your behalf to find the right option for you.

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Wholesale Pricing

As a broker, I access wholesale lender pricing, the same rates banks reserve for their institutional clients, passed directly to you.

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I Work for You

My compensation is not tied to steering you toward any specific lender. My job is finding the loan that fits your goals.

⚡

Local PNW Expertise

Based in Maple Valley, WA, I know the King, Snohomish, and Pierce County market and can move quickly in competitive situations.

Broker vs. Bank
A typical purchase loan comparison
Factor With Rene Bank Direct
  • Rate Shopping100+ lenders1 lender
  • Pricing TypeWholesaleRetail
  • Works ForYouThe bank
  • Product AccessBroadLimited
  • FlexibilityHighConstrained
Loan Programs

Solutions for Every Borrower

Whether you're a first-time buyer, move-up buyer, investor, or self-employed, there's a loan program built for your situation.

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Conventional Loans

Fannie Mae and Freddie Mac conforming loans with competitive rates, down payments as low as 3%, and flexible qualification guidelines.

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FHA and VA Loans

Government-backed programs with relaxed credit requirements and low or zero down payment options for qualified buyers and veterans.

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Jumbo Loans

High-balance financing for luxury and high-cost market purchases, with competitive jumbo pricing across multiple lenders.

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Buy Before You Sell

Bridge financing programs that let you purchase your next home before selling your current one, with no contingency required.

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Self-Employed Borrowers

Bank statement loans and alternative income documentation programs designed for business owners and 1099 earners.

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Refinance

Rate-and-term or cash-out refinance with a full lender comparison to ensure you're getting a competitive deal, not just the most convenient one.

Rene Ramos
About Rene

A Broker Who Is in Your Corner

I made a $5,000 mistake on my own home purchase. I overpaid on points because no one took the time to educate me, and I never forgot how that felt. Before that, I spent years in technology sales learning that the most important thing in any business is the person sitting across from you. Those two experiences are why I do this. I'm here to make sure you always understand your options, always have someone fighting for you, and never overpay because you weren't told the full story.

Licensed StatesWA, OR, ID
NMLS#2004915
CompanyC2 Financial Corp
Primary MarketKing, Snohomish & Pierce Counties

Ready to get a competitive rate?
Let's start the conversation.

Get Pre-Approved Today
Get in Touch

Let's Talk About Your Loan

Whether you have a home under contract, you're just starting to explore, or you want a second opinion on a rate you've been quoted, I'm happy to talk through your options. No pressure.

📞

Cell

(425) 773-4544
✉️

Email

rramos@c2financial.com
📍

Service Area

Maple Valley, WA · King, Snohomish & Pierce Counties
Also serving OR and ID

🌐

NMLS Consumer Access

www.nmlsconsumeraccess.org

By submitting, you consent to being contacted by phone or email. Loan approval is not guaranteed and is subject to lender review. All approvals are conditional on lender-issued written approval.

Privacy Policy NMLS Consumer Access C2 Financial Corp

C2 Financial Corp © 2026. All Rights Reserved. | 12230 El Camino Real Suite #100, San Diego, CA 92130 | (425) 773-4544

Licensed to Do Business in the State of WA, OR, & ID | NMLS #2004915 | Company NMLS #2008859 | www.nmlsconsumeraccess.org

This licensee is performing acts for which a real estate, consumer loan, or mortgage license is required. C2 Financial Corporation is licensed by Arizona Department of Financial Institutions, Broker #919209; Florida, OFR# MBR3519; Washington, DFI# MB-135622; Oregon, DFI# ML-4917; Tennessee DFI; Idaho Department of Finance, Broker license #MBL-9475; Texas Department of Savings and Mortgage Lending; NMLS# 135622.

Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. 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. The services referred to herein are not available to persons located outside the states of WA, OR, and ID.

TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV. Texas Complaint/Recovery Fund Notice.

© 2026 Rene Ramos | C2 Financial Corp. All Rights Reserved.

Privacy Policy  |  NMLS Consumer Access