Realize Your Dream of Home Ownership

Welcome to the Vero Beach, Florida office of C2 Financial Corporation. We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.

Sample ImageConcierge level mortgage financing for all borrowers

Based in Vero Beach, Clay Collins of C2 Financial Corporation specializes in providing residential mortgage financing throughout the State of Florida.  Whether you are purchasing a home or refinancing your current home, he can help you.  First-time homebuyers or experienced real estate investors can benefit from Clay's extensive knowledge of mortgage lending.  His office is located at 1054 20th Place in the Ameriprise Financial Services office directly across from the Vero Beach City Hall.  Clay has been a resident of Vero Beach for over 50 years and has over 34 years of residential mortgage lending experience.  Clay shops from approximately 80 lenders across the nation to find the lowest interest rate and lender fees that he can for each borrower.  He believes that all borrowers should receive "Concierge" level service during their mortgage loan experience.  For any mortgage related questions, written estimates of loan terms, verbal pre-qualifications, or a written conditional letter of pre-approval, please contact Clay Collins at 772-584-2260 (cell) or 

The Vero Beach office of C2 Financial Corporation offers the following mortgage loan products:
1.  Conventional 
2.  First-time homebuyer programs
3.  Down payment assistance loan programs 
4.  FHA
5.  VA
6.  Jumbo
7.  USDA Rural Housing
8.  Renovation loans (Conventional, FHA, VA, and USDA)
9.  Reverse mortgages for refinancing or purchasing a home
10.  Non-conforming loans - also known as Non-QM loans
    a.  Fix and Flip programs for investors
    b.  Business and/or personal bank statement loan programs for self-employed borrowers who may not report all of their income 
    c.   Debt Service Coverage Ratio loan programs for investors that want to purchase an investment property and who just want the rental income used to qualify for a loan
    d.  Foreign National loans
    e.  Now warrantable condominium loans
11.  Commercial real estate loans and business loans
12. Hard money loans from private lenders
13. Home equity lines of credit and home equity loans 

Contact Clay Collins at the Vero Beach, Florida office of C2 Financial Corporation today to discuss your mortgage loan options and find out which loan program will best suit your needs.

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