Meet Derek - "Your Personal Mortgage Shopper"
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With an office in Scottsdale, AZ and San Diego, CA and having over 17 years in the mortgage industry with over $750,000,000 in funded mortgage loans, Derek McClintock is affectionately known as "Your Personal Mortgage Shopper" by his clients. He takes the difficult task of shopping for a home loan off your shoulders, so you can concentrate on what’s important to you, finding your new home.
C2 Financial is America’s LARGEST wholesale mortgage broker and with one application, Derek can price out your loan to over 90 different banks and lenders. Not every bank is good at every type of loan, that's why you need Derek and his options. Transparency, knowledge and extremely hard work is what Derek brings to the table for you. He looks forward to helping you with whatever your home loan situation is... buying, refinancing to lower your rate and payments or taking cash out to pay down debt and increasing your monthly cash flow. |
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What are People Saying About Derek?
"Where do I start? I have used Derek for many loans, as have family members. When you find the best, you stick with him. The lender credits that he gives us every single time always help towards closing costs. On my most recent investment property purchase, the listing agent told me to talk to his mortgage guy and see what he could do and when I did, he was a whole half point higher in rate than Derek and Derek was giving me over $3,400 towards closing costs. I am in the real estate industry and no one has ever told me about this before, but now that I understand it, I am so happy that I have Derek as my go to guy. No one can do what he does. Thanks for everything Derek!"
Cameron C., Conventional Buyer and Refinance
"I have known Derek for over 10 years and he is not just my friend, but my mortgage lender. I work at a big bank, so I can use anyone to do my loan, but Derek ALWAYS beats them not just in rate, but the lender credits he can give are very much appreciated. I have grown to expect them from him, but when he does it, it still takes me off guard, even though I have done multiple loans with him. Derek, thank you for always taking care of us and making us feel like we are your only clients. We cannot recommend you enough."
Robert B., Conventional Buyer and Refinance
"I had started my VA loan with the in house direct lender at my real estate agents office as she had referred them to me. I thought I was getting a good deal because they are a big company. Then, the listing agent on the property I was buying told me to talk to Derek and once I saw what he could do for me, I was blown away. He gave me over $8,700 which paid for all of my closing costs while keeping my rate .125% lower than what I was being given by the in house person. I am a first time home buyer, so I couldn't believe this was possible, but my loan closed on time with no issues at all. Derek did everything he told me he would do. I highly recommend him to anyone buying a new home."
Aaron B., VA Buyer
"We were already approved with the in house lender who was referred to us by our real estate agent, but then the listing agent told us to talk to Derek and see what he could do for us on our FHA loan. We had asked the seller for a $5,000 seller credit towards closing costs because we could really have used that money. The seller didn't want to do it, but we really wanted to home. Derek gave us lender credit for ALL of our closing costs and got us the same rate that the in house lender was giving us with no lender credit. I don't know how he does it, but it saved us over $10,000!"
Cesar C., FHA Buyer
"As a first time home buyer, Derek went above and beyond for me and helped me get financed on a building that was impossible due to litigation. He kept me informed throughout the process and fully had my back. I wouldn’t be in my place without him… plus I got an amazing rate."
Matt F., Owner Digital Design and Branding Agency
“Derek was able to do a mortgage that others refused to take on. He was able to guide us through the process effortlessly and was able to resolve all of the issues as they arose. He was even able to close the deal while I was out of state for work. His professionalism and follow through is second to none!”
Rick E., Fire Station Chief
“Derek, There is something that I do feel you should know. I have been on the phone and/or worked with nearly 30 lenders in my search for a loan. You were the most knowledgeable and efficient person I found. I’m glad I found you. I will recommend you to anyone that might need your type of services. Best Regards.”
Timothy S., Mechanical Engineer / Physics Instructor
“Derek, Thank you again so much for your help! I know it’s your job, but you’ve definitely gone above and beyond and I really appreciate it!”
Allison B., first time home buyer
“Derek, Thank you. You are incredibly compassionate and the consummate professional. Your assistance is valued and appreciated.”
Gina A., Doctor
“Derek is a “client first” adviser and is as detailed oriented as they come. He secured multiple, safe, affordable, loans during times when most advisers were looking to make a quick buck. He’s personable, professional, honest, and transparent. When I need a loan, he’s my guy. I recommend him with the utmost confidence.”
Josh C., Sports Agent
"Derek is my lender. As a real estate agent, I get hit up ALL the time from lenders promising this and that, but no one can touch what Derek can do for my clients. Besides the fact that he gets wholesale mortgage rates, the lender credits he is able to give to my buyers is crazy. I have been in the business for a long time and I have never had a lender do for my clients what Derek does EVERY SINGLE TIME. I cannot recommend him enough. He continues to amaze me every single transaction."
Dan B., Realtor
"Derek is our go to lender. Besides the fact that he is just an awesome guy, what he can do for our clients, as far as interest rate and lender credits, is truly amazing. On our last VA buyer, they had started their loan with their military credit union and we finally convinced them to talk to Derek and Derek was able to get them the same rate they had at their credit union, but also gave them over $9,000 in lender credit which covered all their closing costs. We cannot recommend him enough."
Jeff and Hayley T., Realtors
"Derek has done loans for my parents, my friends, my clients and myself. I know many loan officers at many different companies and I have yet to see anybody that can even come close to what Derek does for his clients. It blows me away every time and that is why I love referring him buyers because I know that they will not just get the best rate and lender credits available to them, but that Derek is a wonderful reflection of myself and my business in the way he takes care of his clients. I swear he never takes a day off. Give him a call, you won't be disappointed."
Daniel F., Realtor
"As a financial advisor, I am very protective of my clients and who they deal with. I recommend Derek to every single one of them because of not just what he can do for them, but how he treats them. When my clients purchase or refinance and don't tell me and use someone else, more times than not, there is a hiccup with their transaction and a lot of times they end up getting interest rates higher than they should. Derek, I have known you for a long time and I thank you for taking care of my clients, treating them like family and always making sure that they get the best deal possible."
Travis L., Financial Advisor
"I tell everybody I know to use Derek for their home loan. People don't believe me, but then they talk to him and see what he can do for them, they thank me for the referral... every single time. He has done loans for my family members, my friends, my clients and myself personally. The lender credits that he is able to give is something that most people don't even understand because they have never been offered them before. Derek is upfront, honest and an extremely hard worker. Do yourself a favor and call Derek for your next home loan."
Daniel C., Financial Services
“Derek is a true professional and his work ethic outshines most of his peers, but most of all he always does what is best for his clients. I highly recommend him to anyone who is interested in his services.”
Trey W., Assistant Vice President - Business Banking
"Derek was referred to me by the real estate agent I was working with. I had already spoke to two other mortgage companies and one was trying to force me into a down payment assistance loan where I would have to live in the "not so good" part of town and the other one was trying to force me into an FHA loan. I met with Derek and he explained to me the pro's and con's of each loan option and then showed me his 1% down program. Neither of the other two mortgage companies have that program, therefore they couldn't even offer it to me. It was BY FAR the best option for me and my situation. Not only did he give me 2% for my down payment, he ALSO gave me $4,475 towards my closing costs and all I really had to bring in to close was the 1% down plus $1,200. I bought my first home for the cost of 2 months rent.
I am SO HAPPY that my agent works with Derek and could refer him to me. Now I can't wait to refer him to everyone I know."
Eric T., 1% Down Conventional Buyer
Cameron C., Conventional Buyer and Refinance
"I have known Derek for over 10 years and he is not just my friend, but my mortgage lender. I work at a big bank, so I can use anyone to do my loan, but Derek ALWAYS beats them not just in rate, but the lender credits he can give are very much appreciated. I have grown to expect them from him, but when he does it, it still takes me off guard, even though I have done multiple loans with him. Derek, thank you for always taking care of us and making us feel like we are your only clients. We cannot recommend you enough."
Robert B., Conventional Buyer and Refinance
"I had started my VA loan with the in house direct lender at my real estate agents office as she had referred them to me. I thought I was getting a good deal because they are a big company. Then, the listing agent on the property I was buying told me to talk to Derek and once I saw what he could do for me, I was blown away. He gave me over $8,700 which paid for all of my closing costs while keeping my rate .125% lower than what I was being given by the in house person. I am a first time home buyer, so I couldn't believe this was possible, but my loan closed on time with no issues at all. Derek did everything he told me he would do. I highly recommend him to anyone buying a new home."
Aaron B., VA Buyer
"We were already approved with the in house lender who was referred to us by our real estate agent, but then the listing agent told us to talk to Derek and see what he could do for us on our FHA loan. We had asked the seller for a $5,000 seller credit towards closing costs because we could really have used that money. The seller didn't want to do it, but we really wanted to home. Derek gave us lender credit for ALL of our closing costs and got us the same rate that the in house lender was giving us with no lender credit. I don't know how he does it, but it saved us over $10,000!"
Cesar C., FHA Buyer
"As a first time home buyer, Derek went above and beyond for me and helped me get financed on a building that was impossible due to litigation. He kept me informed throughout the process and fully had my back. I wouldn’t be in my place without him… plus I got an amazing rate."
Matt F., Owner Digital Design and Branding Agency
“Derek was able to do a mortgage that others refused to take on. He was able to guide us through the process effortlessly and was able to resolve all of the issues as they arose. He was even able to close the deal while I was out of state for work. His professionalism and follow through is second to none!”
Rick E., Fire Station Chief
“Derek, There is something that I do feel you should know. I have been on the phone and/or worked with nearly 30 lenders in my search for a loan. You were the most knowledgeable and efficient person I found. I’m glad I found you. I will recommend you to anyone that might need your type of services. Best Regards.”
Timothy S., Mechanical Engineer / Physics Instructor
“Derek, Thank you again so much for your help! I know it’s your job, but you’ve definitely gone above and beyond and I really appreciate it!”
Allison B., first time home buyer
“Derek, Thank you. You are incredibly compassionate and the consummate professional. Your assistance is valued and appreciated.”
Gina A., Doctor
“Derek is a “client first” adviser and is as detailed oriented as they come. He secured multiple, safe, affordable, loans during times when most advisers were looking to make a quick buck. He’s personable, professional, honest, and transparent. When I need a loan, he’s my guy. I recommend him with the utmost confidence.”
Josh C., Sports Agent
"Derek is my lender. As a real estate agent, I get hit up ALL the time from lenders promising this and that, but no one can touch what Derek can do for my clients. Besides the fact that he gets wholesale mortgage rates, the lender credits he is able to give to my buyers is crazy. I have been in the business for a long time and I have never had a lender do for my clients what Derek does EVERY SINGLE TIME. I cannot recommend him enough. He continues to amaze me every single transaction."
Dan B., Realtor
"Derek is our go to lender. Besides the fact that he is just an awesome guy, what he can do for our clients, as far as interest rate and lender credits, is truly amazing. On our last VA buyer, they had started their loan with their military credit union and we finally convinced them to talk to Derek and Derek was able to get them the same rate they had at their credit union, but also gave them over $9,000 in lender credit which covered all their closing costs. We cannot recommend him enough."
Jeff and Hayley T., Realtors
"Derek has done loans for my parents, my friends, my clients and myself. I know many loan officers at many different companies and I have yet to see anybody that can even come close to what Derek does for his clients. It blows me away every time and that is why I love referring him buyers because I know that they will not just get the best rate and lender credits available to them, but that Derek is a wonderful reflection of myself and my business in the way he takes care of his clients. I swear he never takes a day off. Give him a call, you won't be disappointed."
Daniel F., Realtor
"As a financial advisor, I am very protective of my clients and who they deal with. I recommend Derek to every single one of them because of not just what he can do for them, but how he treats them. When my clients purchase or refinance and don't tell me and use someone else, more times than not, there is a hiccup with their transaction and a lot of times they end up getting interest rates higher than they should. Derek, I have known you for a long time and I thank you for taking care of my clients, treating them like family and always making sure that they get the best deal possible."
Travis L., Financial Advisor
"I tell everybody I know to use Derek for their home loan. People don't believe me, but then they talk to him and see what he can do for them, they thank me for the referral... every single time. He has done loans for my family members, my friends, my clients and myself personally. The lender credits that he is able to give is something that most people don't even understand because they have never been offered them before. Derek is upfront, honest and an extremely hard worker. Do yourself a favor and call Derek for your next home loan."
Daniel C., Financial Services
“Derek is a true professional and his work ethic outshines most of his peers, but most of all he always does what is best for his clients. I highly recommend him to anyone who is interested in his services.”
Trey W., Assistant Vice President - Business Banking
"Derek was referred to me by the real estate agent I was working with. I had already spoke to two other mortgage companies and one was trying to force me into a down payment assistance loan where I would have to live in the "not so good" part of town and the other one was trying to force me into an FHA loan. I met with Derek and he explained to me the pro's and con's of each loan option and then showed me his 1% down program. Neither of the other two mortgage companies have that program, therefore they couldn't even offer it to me. It was BY FAR the best option for me and my situation. Not only did he give me 2% for my down payment, he ALSO gave me $4,475 towards my closing costs and all I really had to bring in to close was the 1% down plus $1,200. I bought my first home for the cost of 2 months rent.
I am SO HAPPY that my agent works with Derek and could refer him to me. Now I can't wait to refer him to everyone I know."
Eric T., 1% Down Conventional Buyer
Who is C2 Financial?
As America’s largest wholesale mortgage broker, we are able to take your unique loan situation and price it out for you at over 90 different banks and investors. One application, 90 banks and lenders. It's better than Lending Tree.
What does this mean to you? It means you won’ t have to do the work yourself of calling around numerous different lenders and trying to compare rates and not getting the truth from most of the people you speak to (because they know you are not going to lock in your interest rate the day you call for a ate quote). Click Here to see a sample of who we work with on the wholesale lending side.
There are three types of mortgage lenders in the market and pricing will vary from each type. FDIC banks (offer retail rates), Mortgage Bankers / Direct Lenders (offer their own retail rates) and wholesale mortgage lenders (offer you wholesale mortgage rates). Which one do you think is going to have the lowest rates?
C2 Financial funded over $3.5 Billion of mortgage loans in 2019. C2 Financial is headquartered in San Diego, CA, but is licensed to do business in CA, AZ, CO, HI, FL, NV, OR, TX and WA.
Highlights of C2 Financial
C2 Financial Corporation
10509 Vista Sorrento Pkwy #200
San Diego, CA 92121
NMLS# 135622 | CA DRE# 01821025 | AZ Mortgage Broker # 919209
What does this mean to you? It means you won’ t have to do the work yourself of calling around numerous different lenders and trying to compare rates and not getting the truth from most of the people you speak to (because they know you are not going to lock in your interest rate the day you call for a ate quote). Click Here to see a sample of who we work with on the wholesale lending side.
There are three types of mortgage lenders in the market and pricing will vary from each type. FDIC banks (offer retail rates), Mortgage Bankers / Direct Lenders (offer their own retail rates) and wholesale mortgage lenders (offer you wholesale mortgage rates). Which one do you think is going to have the lowest rates?
C2 Financial funded over $3.5 Billion of mortgage loans in 2019. C2 Financial is headquartered in San Diego, CA, but is licensed to do business in CA, AZ, CO, HI, FL, NV, OR, TX and WA.
Highlights of C2 Financial
- “A” Rated and Accredited by the Better Business Bureau
- Members of NAMB (National Association of Mortgage Brokers)
- FHA/VA approved
- C2 brokers are seasoned brokers. We do not hire newly licensed loan officers.
- Many loan officers with C2 have obtained their CMP (Certified Mortgage Planner) or CMPS designation (Certified Mortgage Planning Specialist)
- Managed by Principals with over 62 years experience in the mortgage industry
- Former principals of the 2nd Largest Mortgage Broker in the US
- Our corporate office is available to all clients to intervene in situations when necessary
- We have strict policies to ensure your confidential information remains confidential
- Partners with the largest banks in the US
- Accurate up front rate and closing cost quotes.
C2 Financial Corporation
10509 Vista Sorrento Pkwy #200
San Diego, CA 92121
NMLS# 135622 | CA DRE# 01821025 | AZ Mortgage Broker # 919209
Disclaimers
* Derek can only lend in the state of California
This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Department of Real Estate, Broker # 01821025; NMLS # 135622. Loan approval is not guaranteed and is subject to lender review of information. Loan is only approved when lender has issued approval in writing. 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. C2 Financial is not affiliated with any government agency. C2 Financial Corporation is approved by FHA as an agent and has the ability to broker FHA loans to FHA Approved Lenders. C2 Financial Corporation is approved to originate VA loans, and has the ability to broker such loans to VA approved lenders. C2 Financial Corporation is not acting on behalf of or at the direction of HUD/FHA or the VA.
Copyright 2016-2026 Derek McClintock – All Rights Reserved – CA DRE license 01361776, NMLS license 331867, AZ MLO# 0946723 . The material in this mortgage website is for informational and educational purposes only and should not be construed as a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. Lender’s guidelines and policies change frequently and it’s recommended to call for the most current information. Pre-qualifications are subject to review and final approval by lender and are issued in writing. Additional conditions may apply. Equal housing opportunity.
To check the status of an NMLS license, click the following link – http://www.nmlsconsumeraccess.org/
This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Department of Real Estate, Broker # 01821025; NMLS # 135622. Loan approval is not guaranteed and is subject to lender review of information. Loan is only approved when lender has issued approval in writing. 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. C2 Financial is not affiliated with any government agency. C2 Financial Corporation is approved by FHA as an agent and has the ability to broker FHA loans to FHA Approved Lenders. C2 Financial Corporation is approved to originate VA loans, and has the ability to broker such loans to VA approved lenders. C2 Financial Corporation is not acting on behalf of or at the direction of HUD/FHA or the VA.
Copyright 2016-2026 Derek McClintock – All Rights Reserved – CA DRE license 01361776, NMLS license 331867, AZ MLO# 0946723 . The material in this mortgage website is for informational and educational purposes only and should not be construed as a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. Lender’s guidelines and policies change frequently and it’s recommended to call for the most current information. Pre-qualifications are subject to review and final approval by lender and are issued in writing. Additional conditions may apply. Equal housing opportunity.
To check the status of an NMLS license, click the following link – http://www.nmlsconsumeraccess.org/
