Sommer Flores - Mortgage Loan Specialist

Your Trusted Partner in Home Financing

Expert Mortgage Solutions for Every Dream Home

At C2 Financial, Sommer Flores delivers personalized mortgage solutions to simplify your home financing journey. Whether you're a first-time buyer or refinancing, she is committed to finding the right loan tailored to your needs. Letโ€™s make your homeownership dreams a reality! | Mortgage Loan Originator, NMLS 1660784, DRE 01889181.

Find the Perfect Loan for Your Future Home

Explore Our Mortgage Solutions for Every Need

๐Ÿ”‘ Whether you're a first-time homebuyer, a seasoned investor, or planning your retirement, we have a mortgage solution for you. From Conventional and FHA Loans to Jumbo Loans and Refinance options, our tailored offerings ensure you find the perfect fit for your dream home. ๐Ÿก๐Ÿ’ผ Start your journey today with expert guidance and unbeatable rates! ๐ŸŒŸ
Aerial view suburban neighborhood with identical wealthy villas next to each other. San Diego, California, USA

๐Ÿ  FHA Home Loans

Affordable loans designed for first-time homebuyers, with lower down payment and credit score requirements.

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Suburban neighborhood street with big villas, San Diego

๐Ÿ’ผ Jumbo Loans

Get the financing you need for luxury homes and high-value properties with flexible terms.

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๐ŸŽ–๏ธ VA Home Loans

Exclusive mortgage benefits for veterans and active-duty service members, with zero down payment options.ย 

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Modern living room with comfortable sofa, window and wooden floor. Home decor.

๐Ÿก Conventional Loans

Streamline your home buying with straightforward financing. Ideal for those with strong credit seeking traditional mortgage paths.

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๐Ÿ“„ Bank Statement Loans

Ideal for self-employed borrowersโ€”qualify based on your bank statements, not traditional income verification.

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Refinance Solutions

๐Ÿ”„ Refinance Loans

Lower your mortgage rate or adjust your loan terms to save money and reduce monthly payments.

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Beautiful kitchen in new luxury home with waterfall quartz island, pendant lights and hardwood floors.

๐ŸŒŸ Non-QM Loans

Non-QM Loans: Broaden your borrowing options beyond traditional criteria. Perfect for unique financial situations seeking a path to homeownership.

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Spring in San Diego

๐Ÿ˜๏ธ Investment Property Loans

Customized mortgage options for real estate investors seeking maximum returns.

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๐Ÿ” Reverse Mortgage

Reverse mortgages are a unique type of loan designed for homeowners aged 62 and older, allowing them to convert part of their homeโ€™s equity into cash

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๐Ÿ’ฌ Connect with Sommer for Expert Mortgage Advice

Whether you're exploring your options, ready to take the next step, or just have a few questions, I'm here to support you every step of the way.

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Sommer Flores

Your go-to expert for Mortgage Loan Specialty services. As a seasoned Mortgage Loan Specialist, I am dedicated to addressing all your mortgage needs, offering an extensive array of options including conventional, FHA, VA, jumbo, USDA, fixed-rate, adjustable-rate, and refinancing solutions. With NMLS #1660784 and DRE #01889181 certifications, my extensive experience and steadfast commitment to excellence enable me to provide unparalleled guidance to my clients throughout the mortgage journey.

I specialize in crafting personalized mortgage strategies designed to fit the unique financial situations of each client. My goal is to simplify the complex world of mortgage financing, ensuring you feel confident and well-informed at every step. Trust in Sommer Flores for dedicated and reliable support as you navigate the path to securing the perfect home loan tailored to your individual needs.

Mortgage Services FAQ

What types of mortgages do you offer?

We offer a variety of mortgage options including fixed-rate, adjustable-rate, FHA, VA, and jumbo loans to meet the individual needs of our clients.

What is the minimum credit score required to qualify for a mortgage?

The minimum credit score required for a mortgage varies depending on the type of loan, but we work with clients to explore options and improve credit if necessary.

What is the difference between pre-qualification and pre-approval?

Pre-qualification is an estimate of how much you may be able to borrow, while pre-approval involves a more thorough review and is a stronger commitment from the lender.

Do you offer refinancing services?

Yes, we offer refinancing options for those looking to lower their interest rate, shorten the loan term, or take cash out of their home equity.

Do you assist with first-time homebuyers?

Absolutely, we specialize in guiding first-time homebuyers through the mortgage process, helping them understand their options and find the best solution for their needs.

Do you offer assistance for self-employed individuals?

Yes, we have experience working with self-employed individuals to navigate the unique financial documentation required for a mortgage application.
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