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Coastal Lenders
Making Home Ownership Possible For All

Coastal Lenders is your premiere mortgage team located in San Diego, California. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the California area. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers can help you take that first step toward a financial solution.

As a part of California’s leading Mortgage Company, C2 Financial, we alleviate the typically drawn-out loan process, pre-approving borrowers within one hour and providing a written pre-approval certificate to present with their Purchase Contract. At C2 Financial, our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.
We specialize in the following CaliforniaMortgage Loans:
  • Home Purchase Loans
  • Home Refinance Loans
  • Jumbo Home Loans
  • FHA Loans
  • VA Loans
  • Cash Out Home Loans
  • And Much, Much More!

Although we are located in San Diego, California, we offer unparalleled mortgage and refinance service to clients throughout La Jolla, Clairemont, Del Mar and throughout the state of California.

Charlie Rutherford founded Coastal Lenders in 2002 in Cardiff, by the Sea California. With Charlie's wealth of experience in the mortgage and finance industry, going into business for himself was an obvious choice.

Charlie got his start as a traditional loan officer and quickly established himself. He built a large, loyal and - most importantly - satisfied client base. Charlie's honesty and straightforwardness are integral to his success, as his creative and personal approach to meeting his clients' needs. Charlie takes great pride in being known as the mortgage guy that leaves no stone unturned and gets even the most difficult of loans done.

Charlie founded this business on the philosophy of providing World Class Service to clients and establishing long-term relationships. Often Charlie's clients refer their friends, family and associates. While many mortgage companies spend thousands of dollars running ads and chasing the next loan application, Charles Rutherford and Associates focuses on its current clients' lending experience.

"Through my experiences with clients, I have learned that success is built on lasting relationships and these relationships are built on trust."

~ Charles S. Rutherford