Whether you’re buying your first home, refinancing, or exploring investment opportunities, Mark Pattison delivers straightforward mortgage solutions backed by experience and personalized service. Licensed through C2 Financial, Mark is here to guide you every step of the way.
Mortgage Loan Specialist
NMLS 2334799 DRE 02214831
AZ LO-2001289 TX 2334799
Discover why clients choose Mark Pattison for their mortgage needs.
Serving Carlsbad, Encinitas, and greater San Diego, Mark Pattison offers a full range of mortgage programs tailored to your needs. Whether you’re buying your first home, investing in property, or refinancing, you’ll get expert guidance and personalized support every step of the way.
Conventional loans are ideal for buyers in Carlsbad, Encinitas, and across San Diego looking for competitive rates and flexible terms. With options for both first-time and repeat buyers, these loans offer stable financing without government backing. Mark Pattison will help you navigate credit, income, and down payment requirements to find the best fit for your goals.
FHA loans make homeownership more accessible for buyers in Carlsbad, Encinitas, and surrounding San Diego communities. With lower down payment requirements and flexible credit guidelines, this government-backed program is ideal for first-time buyers and those with limited savings. Mark Pattison will guide you through the process to secure an affordable loan with confidence and clarity.
Proudly serving veterans and active-duty military in Carlsbad, Encinitas, and throughout San Diego, VA loans offer powerful benefits—including zero down payment, no private mortgage insurance, and competitive rates. If you’ve served our country, Mark Pattison is here to help you take full advantage of your VA entitlement and secure a home with ease and respect.
For high-value properties in Carlsbad, Encinitas, and upscale areas of San Diego, Jumbo loans provide financing beyond conventional loan limits. Whether you’re purchasing a luxury home or refinancing, Mark Pattison offers expert guidance on qualifying, structuring, and closing large loan amounts with competitive terms and personalized support every step of the way.
If you’re a business owner, freelancer, or 1099 contractor in Carlsbad, Encinitas, or greater San Diego, getting approved for a mortgage shouldn’t be a roadblock. Mark Pattison specializes in helping self-employed borrowers qualify with alternative documentation like bank statements or asset verification—no traditional W-2s required. Get tailored financing that fits how you actually earn.
Non-QM loans are designed for borrowers in Carlsbad, Encinitas, and San Diego who don’t fit traditional lending criteria. Whether you’re self-employed, have non-traditional income, or need flexible credit options, Mark Pattison can help you secure the right loan without the rigid guidelines of conventional programs. Customized solutions, real results.
Perfect for self-employed buyers in Carlsbad, Encinitas, and across San Diego, Bank Statement Loans use your business or personal bank deposits to qualify—no W-2s or tax returns needed. Mark Pattison helps entrepreneurs, freelancers, and independent contractors secure flexible home financing that reflects real income, not paperwork limitations.
Looking to grow your real estate portfolio in Carlsbad, Encinitas, or San Diego? Mark Pattison offers flexible financing solutions for single-family rentals, multi-units, and short-term investment properties. Whether you’re buying your first rental or adding to an existing portfolio, Mark helps you structure smart loans focused on cash flow, ROI, and long-term growth.
For homebuyers in Carlsbad, Encinitas, and the San Diego area without a Social Security number, ITIN loans provide a path to homeownership. Using an Individual Taxpayer Identification Number, Mark Pattison helps non-citizen residents secure mortgage financing with flexible documentation and competitive terms. If you’re ready to buy, Mark is here to guide you every step of the way.
Whether you’re looking to lower your rate, reduce your monthly payment, or tap into your home equity, refinancing can be a smart move. Mark Pattison helps homeowners in Carlsbad, Encinitas, and throughout San Diego explore the right refinance strategy based on their goals. Get clear answers, fast turnaround, and expert support from start to close.
Unlock the equity in your home with a cash-out refinance. Whether you’re planning renovations, consolidating debt, or investing in new opportunities, Mark Pattison helps homeowners in Carlsbad, Encinitas, and the San Diego area turn built-up equity into usable funds. Refinance with confidence and make your home’s value work for you.
Building a new home or upgrading a fixer-upper in Carlsbad, Encinitas, or greater San Diego? Mark Pattison offers flexible renovation and construction loan options to help you finance both the purchase and the improvements. From ground-up builds to remodeling projects, Mark guides you through every phase with expert support and customized solutions.
For eligible rural and suburban areas near San Diego, USDA loans offer zero down payment and affordable terms for qualified buyers. If you’re looking to purchase in a USDA-approved area, Mark Pattison can help you navigate the guidelines and secure financing with no upfront cost. A great option for buyers outside city limits.
Buying your first home in Carlsbad, Encinitas, or anywhere in San Diego? Mark Pattison offers first-time buyer programs with low down payments, flexible credit requirements, and access to Down Payment Assistance (DPA) options. Get the expert support you need to move from renting to owning—with confidence, clarity, and a plan that fits your budget.
If you’re a homeowner aged 62 or older in Carlsbad, Encinitas, or greater San Diego, a reverse mortgage can help you tap into your home equity without monthly mortgage payments. Mark Pattison provides trusted guidance on how to use this financial tool to supplement retirement income, cover expenses, or even purchase a new home. Stay in your home and stay in control.
Mark Pattison is a Mortgage Loan Specialist with a diverse background in business, martial arts and raising four children. Passionate about helping others achieve their goals, Mark leverages his varied experiences to provide comprehensive support to his clients. As a “numbers guy” with a desire to empower others, he finds excitement in guiding individuals through major life stages, including homeownership. Mark specializes in providing tailored financial solutions, offering a wide range of loan programs such as conventional, FHA, Jumbo, VA, and USDA loans. Committed to making a positive impact on his clients’ lives, Mark embodies his philosophy of “Empower Through Action” to effect change in the community and everyone he comes in contact with. Please reach out and see how he is truly always, “Happy to help.”
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Based in North County San Diego and serving Carlsbad, Encinitas, and beyond, Mark Pattison delivers mortgage solutions with clarity, speed, and personalized guidance. Backed by C2 Financial—one of the nation’s top brokerages—Mark offers competitive loan options tailored to your goals. He is fully licensed in California (CA DRE 02214831), Arizona (AZ LO-2001289), and Texas (TX 2334799), giving you access to trusted support across multiple states. Whether you’re buying, refinancing, or investing, you’ll receive honest advice and a smooth experience from start to close.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
A Conventional Loan is ideal for borrowers with strong credit and offers flexible terms with competitive rates. In contrast, an FHA Loan is backed by the government and designed for those with lower credit scores or smaller down payments, making homeownership more accessible.
VA Loans are available to active-duty service members, veterans, and eligible surviving spouses. To qualify, you’ll need a Certificate of Eligibility (COE) from the VA, meet credit and income requirements, and plan to use the home as your primary residence.
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. If you’re purchasing a high-value home that requires financing beyond conventional limits, a Jumbo Loan provides the funding you need with flexible terms.
Yes! Bank Statement Loans and Non-QM Loans are great options for self-employed borrowers. Instead of W-2s, these loans use bank statements or alternative income verification to qualify, making homeownership accessible for entrepreneurs and freelancers.
An ITIN Loan is designed for borrowers without a Social Security number but who have an Individual Taxpayer Identification Number (ITIN). These loans provide financing options for non-U.S. citizens looking to buy a home, using alternative forms of credit and income verification.
A HELOC (Home Equity Line of Credit) is a revolving credit line that lets you borrow against your home’s equity as needed. A Cash-Out Refinance replaces your existing mortgage with a new loan for a higher amount, giving you a lump sum of cash upfront.
Investment Property Loans are designed for purchasing rental properties or second homes. Lenders often require a higher down payment and stronger credit score, but these loans allow you to generate income and build wealth through real estate.
A USDA Loan offers zero down payment, low interest rates, and reduced mortgage insurance for homebuyers in eligible rural areas. It’s a great option for those looking for affordable homeownership with government-backed security.
An ARM starts with a fixed interest rate for an initial period (e.g., 5 or 7 years), then adjusts periodically based on market rates. It’s ideal for buyers who plan to move or refinance before the rate adjusts.
A Reverse Mortgage allows homeowners aged 62+ to convert home equity into cash, with no monthly mortgage payments required. The loan is repaid when the homeowner sells the home, moves out, or passes away, making it a valuable retirement tool.
Yes! While credit scores impact refinancing options, FHA Streamline Refinance or Non-QM Loans may allow you to refinance with lower requirements. Improving your credit before refinancing can also help secure better rates.
The first step is to get pre-approved! This involves a quick review of your credit, income, and financial situation. Pre-approval gives you a clear picture of what you can afford and makes home shopping easier. Ready to get started? Let’s talk!
Mark Pattison, Mortgage Loan Specialist offering personalized mortgage solutions, fast customized quotes, great rates & service with integrity.
Sitemap | Privacy Policy | Disclaimers | Terms and Conditions | NMLS Consumer Access
C2 NMLS #135622
C2 Financial is rapidly growing with active licenses in over 34 states as of March 2024. Number of licensed states and lenders within the C2 Lender Network may vary. www.C2Financial.com
C2 Financial Corporation is licensed by the California Bureau of Real Estate, Broker # 01821025; Alabama SBD #23303; Arizona DFI #919209; Arkansas ASD #129945; Colorado DRE; Florida OFR #MBR3519; Hawaii DFI #HI-135622; Idaho DOF #MBL-9475; Illinois DFPR #MB.67618115; Kansas OSBC #135622; Kentucky DFI #MC809104; Louisiana OFI #135622; Michigan DIFS #FL0023565 / SR0023566; Minnesota DOC #MN-MO-135622; Mississippi DBCF #135622; Montana DBFI #135622; Nebraska DBF #135622; Nevada MLD #3260; New Mexico FID #135622; Ohio DFI #RM.804919.000; Oklahoma DOCC #MB014489; Oregon DOF #ML-4917; South Carolina DCA #135622; South Dakota DOB #135622.ML; Tennessee DFI #135622; Texas SML #135622; Washington DFI #MB135622; Wyoming DOB #4612; NMLS # 135622. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. 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. As a broker, C2 Financial Corporation is NOT individually approved by the FHA or HUD, but C2 Financial Corporation is allowed to originate FHA loans based on their relationships with FHA approved lenders.
Consumers in Texas: Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at (877) 276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov
