Richard Montano San Marcos, CA

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments. Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions. Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.

C2 Financial a boutique discount Direct Lender & wholesale mortgage broker that provides the lowest closing costs and interest rates for all Residential Mortgage Programs, including: Fannie Mae, Freddie Mac, Portfolio Alt-A, FHA/VA, and Private/Hard Money loans. C2 Financial continues to confidently build a platform that allows Richard to truly be a one-stop solution for all of your residential lending needs.

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Meet the Team Report

I have been in North County since 2003 raising three kids with my wife of 18 years. I owned and operated two small local businesses for 10 years before moving into home mortgage. Richard relocated North San Diego County in 2004 after retiring from being a broadcast journalist for ABC News. He transitioned into entrepreneurship as a local small business owner.

Loan Programs Report

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime. Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.

Reviews (5)

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M. Sal

Nov 12, 2019

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Richard and his team were amazing. Getting a fast pre approval and being able to choose different lenders that offer different rates and incentives was awesome. He was very thorough and offered his expertise when it came to choosing the right loan for us. He was there to explain every part of the process and would immediately call or text with with any questions we had. We closed escrow after 29 days with zero issues. He and his team are the real deal. I would highly recommend and would definitely use him again. Thanks Richard!

Lesley

Jun 16, 2019

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I had the privilege of working with Richard on obtaining a mortgage for my families dream home. The property itself ended up being more complex then we thought but having Richard there through out the process really made me feel confident with the Loan. Not only was Richard in direct communication with me every step of the way but he is also very knowledgeable with different type of home loans or programs that may best fit your needs. Richard is very professional, and knowledgeable and as a satiesfied customer I highly recommend him to anyone that is in the market of a new home loan or a refinance

Jose Aquino

Jan 06, 2019

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Had the pleasure to work with Richard and his team. Let me say that Richard and his team are awesome! They are on point and don't let a minute go by when you have a question. They always answered the phone and responded their emails on time. Richard and his team are the best in the business and totally recommend them to anyone who is looking to buy or refinance!!

Erikk Diaz

Jun 16, 2018

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Richard Montano and his team kept constant communication through the home loan process. Being first time homebuyers can be quite intimidating, however, working with Richard made us feel confident by providing constant communication and a great loan. I would highly recommend him and his team for any home buyers, Fast, consistent, trustworthy and reliable are only a few qualities to describe Richard. Highly recommend!
Thank you Richard!!
-Diaz

Anthony Maggio

Jun 26, 2017

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Richard possesses knowledge of numerous loan programs to ensure that he finds his clients the mortgage that they want and need. He is always readily available and I would recommend Richard to all of my friends, family, and colleagues.