We aim to help families generate wealth by empowering homeowners to make maximum profits when selling their homes. Our team brings together all aspects of home buying and selling to deliver a smooth and unmatched experience.
We deliver a highly customized financial lending solution for our clients to best utilize their homes to meet short-term and long-term goals. Finding the right loan product for each situation involves careful consideration of your needs, finances, and history. We are here to guide you through the process.
in Loans Closed
5 Star Reviews
Ranking out of 40,000 Loan Officers (Scotsman Guide 2022)
Voted Best Mortgage Firm (Santa Cruz Sentinel)
in Helping Realtors and Clients
An interactive video and audio podcast hosted by Jim Black. Jim will interview a wide variety of leaders and expert guests, ones you will surely learn from and be inspired by.
In this new series real estate expert, loan/mortgage specialist, entrepreneur and angel investor Jim Black speaks with leaders so you can “Know Before You Owe”. These are expert level conversations serve to educate and inspire you to make great financial decisions in your life.
Learn from influential leaders from across a variety of industries.
Jim Black and his team were such a pleasure to work with! I am a single, working parent and was daunted to make my dream of homeownership a reality in this market. During my home search, I had gotten quotes from many brokers and banks near and far, and Jim worked really hard to find me a far more competitive offer, and to the time to make it an understandable, transparent process. He and his team also facilitated the real estate transaction and went above and beyond to see it through. I am so grateful to have the privilege to work with such an efficient, professional, and friendly team that really helped me every step of the way. If you want someone...— Jeannine W.
We highly recommend Jim Black and his team to anyone in need of a home loan! Jim's expert knowledge and lender relationships made an extremely quick turnaround from the beginning to the close of escrow (basically 30 days). Other lenders need 45-60 days. Jim and his team secured a low-interest rate and were always available to answer our questions and concerns during the process. They assisted us every step of the way. We have never worked with a team as efficient as his. If you are in need of a home loan for a purchase or refinance you must contact Jim at All Cal Financial. We really felt he looked after our best interest and was caring and concerne...— Kaercher
Jim Black and his team at All Cal Financial are simply the best. They were with us every step of the way through our home-buying process and were always available to answer questions. Thanks to them we have a low interest rate mortgage and are in our dream home! As first-time homebuyers, this was a daunting experience. All Cal kept us supported and informed and we truly appreciate their efforts. Highly recommend All Cal Financial for anyone seeking a mortgage or refinance- they earn your trust and business!— Stephanie F.
Jim and his team are amazing. It doesn't get any better than them. They helped us finance a home with challenges, then proactivity reached out when the time was right for a refinance. The refinance is now saving us thousands annually and is something we would have missed had his team not reached out.— Kurtnel
Jim and his team assisted me with refinancing our home. He was able to lock in an incredibly low rate and we closed in under three weeks. I was actually in escrow with someone else for over two months, and they could not get it done. Excellent job Jim and thank you!— Michael B.
Jim and his team made our complex refinance process incredibly smooth. Throughout the entire process, they kept us informed on the progress, helped us close quickly, and guided us through a painless experience. You can’t go wrong choosing the All Cal Financial team!— Lester N.
C2 Financial help families create wealth by putting the power back in the hands of homeowners. Their team of wealth and real estate experts provides tailored solutions to maximize profits and find dream homes, ensuring a seamless experience for all clients.