I needed a cash out refinance. With self-employment income, I was put through the ringer by my usual mortgage company and credit union. Both told me it was not possible given my business situation. Terence at C2 Financial assured me he could get it done. Not only did he come through, the rate and fees were lower then anyone else. Thanks Terence!
Professor at Notre Dame:
I did not meet with Terence personally and all our interactions were by phone or emails. We needed a loan for a purchase of a home upon moving to CA from another state. Terence struck us as a straight-shooter, tells it as it is. He provided us with his estimate and we compared it to others. His estimate was competitive so we decided to take it and we never regret it. As it turned out, the closing was delayed several times, which required modifications. At all these stages Terence provide us the options and suggested his recommendation, which we did follow. After the two months of the process I can express my thanks to Terence: Honest, professional, efficient and responsive to the needs, assisted by an excellent team that follows his leadership.
Home Buyer:
I met Terence first over the phone on a pre qual before my offer would be considered...from the first minute he treated me as a client, with respect, and honesty and assured me of his abilities of completion of my not so regular loan application...He was not bragging as everything that he offered came through perfectly and on time...I was impressed with his outstanding staff as well...great job by a top notch lender.
Home Buyer:
I was impressed with the efforts and put his team at the top of my list as far as integrity, follow up and honesty...his team led by Stacy was highly organized, respectful and committed to delivering the best service!
Realtor:
Thank you Terence for the time and effort you have put in to making this sale happen. As I was representing both the buyer and the seller, it was very important to stay on top of all the details and report back to my clients. You showed such patience with me and my buyer as it was a little more complicated then expected. You have always gone out of your way to help my clients.
General Manager:
As part of my executive relocation, Terence fully supported the purchasing process of my new home. He and his staff knew the process, were very attentive and spent the time with us to explain how the mortgage process may differ from that of my home state. An overall excellent experience with a closing that was done in near record time.
Real Estate Agent:
I have used Terence several times when my buyers needed some quick responses.
Regardless of when I have emailed or called Terence for help, he has always gotten back to me immediately. He has definitely helped my buyers get their homes they wanted. I know I can reach out to Terence and he will be there for my buyers.
Stacy, his assistance, has been instrumental in helping all parties get their loans closed. I would highly recommend Terence and his staff for any financing you need.
Sr. Software Engineer:
Terence did an awesome job by closing our mortgage within a short time set by the seller. He was very easy to work with. Highly recommended!!!
Realtor:
Terence does a great job throughout the loan process and is very easy to work with. He has closed many challenging deals for me. He works consistently to get the job done competing with his opposition to keep competitive with in the industry. The ultimate goal is of closing in a timely manner is always achieved and a happy customer.
Coorporate Finance Consultant:
Terence and his team did a great job throughout the whole process of the loan.
Field IT Technician:
Terence did a fabulous job refinancing my condo loan. He went the extra mile to get me the best terms possible. I've worked with a few other brokers before, but nobody can match Terence's performance. I will definitely use his services again.
Professional Realtor:
Terence works HARD to help clients achieve their desired goals in an industry that is always changing and very difficult for consumer's to navigate. He is relentless, creative and thinks outside the box. If you are looking for a mortgage professional to assist with your long and short term financial goals give him a shout! You will be so glad you did..
Terence is a fighter. Where other gave up as too hard, he worked the problem and found solutions to get us into our house. Very grateful for all he did.
Hospitality Asset Manager:
Consummate professional, detailed, very commutative and someone I trust 1000%! I've know Terence more than a decade and wouldn't think about utilizing anyone else.
Realtor with Coldwell Banker in Encinitas, CA:
Terence is a consummate financial professional. He is always on top of his game and ,if anyone can get your clients an excellent loan, it is Terence. His follow-up and attention to detail make him a terrific person to deal with. I highly recommend Terence and know you will be happy with the results he will produce for you.
Terence Flannigan is a skilled, professional, and knowledgeable mortgage advisor. Not only does he know the industry inside and out, he is also extremely organized and responsive. He provided me with detailed information and guided me through every step of the lending process. He made what could have been a stressful and difficult process easy and smooth. I would consult and use Terence again in a heartbeat for all of my future lending needs. Thank you Terence!!
Sr. Network Manager:
Awesome job! Very professional. Highly recommended.
Software Engineer
I have just refinanced my mortgage and Terry was my adviser. I am absolutely delighted with Terry's service. It is really refreshing to work with a financial adviser who is truly interested in their client’s needs, circumstances and preferences. What really impressed me was the way he took the time to get a feeling for where I was at, his depth of knowledge, lateral thinking and his common sense approach. His professional, ethical and caring demeanor elicits my trust and respect and I gladly recommend his services whenever possible.
Terence did an excellent job. Highly recommend working with him!
Professor:
Terence is a joy to work with. He knows the business and goes the extra mile for his clients. Terence helped us get into the house of our dreams.
Network Engineer:
As a first time Home Buyer I had never experienced working with a lender and definitely had no idea what to expect. Terence was able to guide me through and put my mind at ease throughout the process. He even worked around my schedule and time crunched closing date while I was out of town. Overall the experience was tedious but we worked through every detail until the closing date. I couldn't have asked for a better lending agent for my first loan experience.
We recently worked with Terence as our loan officer in a process to purchase a house. From my perspective it was a complicated transaction and he and his staff did a great job taking care of us and making certain that the process went as smoothly as possible. We obtained a great interest rate from him and closed on time. I would highly recommend him to others if they are looking for a mortgage company.
We were first time home buyers and Terence helped us to achieve financing. He not only helped us but he educated us on the home buying process. He was always available and with the help of his assistant the home buying process was painless! I highly recommend him.
Client:
Terence was recommended to me by my realtor. I had spoke with many mortgage companies that offered comparable service. Terence was persistent. Our qualifications were complicated and Terence explored and came up with the best way forward. He explained things upfront and was candid in our talks. The lender caused some issues and Terence leveraged it for a better rate.
Real Estate Broker:
Terence had great communication throughout the entire loan process. He made sure I understood all of my options so I could make the most informed decisions, and we closed incredibly fast and with NO surprises. He delivered exactly what was promised.
Terence was very frank and helpful from the very first day I was introduced to him. He was clear about the tough mortgage financing regulations and conditions that exists in the current market today for self employed individuals. Though as a home buyer the situations were sometimes frustrating, Terence kept things calm and managed to guide us to the final loan approval. His confidence is what keeps one going.
Again I would like to thank Terence for a wonderful job and we would certainly work with him in our future.
