Comprehensive mortgage solutions with expert financial planning guidance

C2 Financial

Sal Guardino

Mortgage Loan Officer

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Introduction

Sal Guardino from C2 Financial offers more than just mortgage lending; as a non-practicing Certified Financial Planner, he provides clients with comprehensive financial guidance at no extra charge, making him an ideal partner for those seeking a full financial picture alongside mortgage solutions.

What They Do

They provide a full range of mortgage solutions throughout California, including regular mortgages, second mortgages, Home Equity Line of Credits (HELOCs), and reverse mortgages. Leveraging their expertise as a non-practicing certified financial planner, they offer comprehensive financial planning guidance without additional fees, ensuring clients receive holistic financial advice beyond just securing loans.

Location & Service Area

Based in Milpitas, California, they serve clients throughout the entire state of California.

What Makes Them Different

Their background as a non-practicing certified financial planner distinguishes them from typical mortgage professionals. They provide holistic financial planning guidance at no extra charge and uphold a strict fiduciary obligation to always prioritize their clients' best interests, ensuring comprehensive and aligned financial advice.

Services Offered

Regular Mortgages
Second Mortgages
Home Equity Line of Credit (HELOC)
Reverse Mortgages
Comprehensive Financial Planning Guidance

Who They Help

They work best with financial advisors, CPAs, estate planning attorneys, and realtors who seek to provide their clients with both mortgage services and broader financial planning insights. Their ideal clients are those who value a relationship-focused approach and comprehensive financial guidance integrated with mortgage solutions.

Know someone who says...

"I need help with a mortgage but want someone who understands the bigger financial picture"

"My client needs financing but also has complex financial planning needs"

"I'm looking for a lender who can provide comprehensive financial guidance"

"We need a mortgage professional who really gets financial planning"

"My client wants to explore a reverse mortgage to free up cash flow to increase contributions to retirement accounts"

"My client wants to explore a reverse mortgage to increase the longevity of retirement accounts by using a reverse mortgage to reduce sequence of risk to retirement accounts"

Fun Fact

A coffee enthusiast who loves to travel and scuba dive, always seeking new adventures both in and out of the office.

Quick Facts

Full range of mortgage solutions Certified Financial Planner expertise Fiduciary client commitment California-wide service No extra charge for financial planning

Reviews (1)

Saskia Feain

October 14, 2025

"Sal Guardino is a knowledgeable, calm, and highly collaborative mortgage professional who consistently provides expert financial guidance and exceptional client service."

Ready to Connect?

Call Bruce now to ask questions or book services with C2 Financial

Call 833-853-6789