Steve Oka – C2 Financial Corp

Davis, United States

5

Open now

20 reviews

Accepts Credit Cards

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Telephone:
+1 530-792-1160
Address:
Serving Davis and surrounding area
Nearby public transportation stops & stations:
2.3 miHealth Sciences (Lot 56)
2.4 miLa Rue & Garrod Dr.
2.4 miTilia Loop
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Bussiness info

Accepts Credit Cards
Yes

Today

Today 9:00 am – 8:00 pm
Open now
Local time (Davis) 09:09 Thursday, 26 June 2025

Business hours

Monday 9:00 am – 8:00 pm
Tuesday 9:00 am – 8:00 pm
Wednesday 9:00 am – 8:00 pm
Thursday 9:00 am – 8:00 pm
Friday 9:00 am – 8:00 pm
Saturday 9:00 am – 8:00 pm
Sunday 9:00 am – 5:00 pm

Description

Specialties

Call us for Free Advice and Guidance.

Steve Oka will work closely with you to achieve the best loan for your circumstances.

We price our rates and cost below our competition.

Over 25 years experience in Mortgage Lending

Alternatively, we help you to select from over 200 Lenders including all major Banks

Commercial loans

Construction loans

Low-​Doc loans for both self-​employed

Loans for refinancing & investment property

HARP Loans

Let us do the hard work for you

Meet the Manager

Steve O.

Manager

Steve Oka is a residential and commercial lending specialist licensed by the California Department of Real Estate to provide home mortgages for both home purchase and refinance. Steve has over 25 years of experience in the business and financial workplace. His goal is to find the best possible loan solution at the lowest cost and interest rate.

His personizled one on one service is greatly appreciated by his clients. Steve will explain in detail of your loan and keep you informed every step of the way.

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20 reviews of Steve Oka – C2 Financial Corp

No registration required
Place rating: 5
Albany, CA
I just completed my second refinance in a couple of years with steve.
I have worked with 5 brokers and he is by far the best! I had several challenges related to my refinances and he has been extremely helpful all along through both refinances. He knows financial markets, so he knows when rates are likely to improve. And he has great rates as well. Really nice guy too. Highly recommended!
Place rating: 5
Davis, CA
I was a first-​time homebuyer. I had wanted to use a specific lender that friends recommended to me, but found out that that lender could not work with me on the house I wanted because it had recently been foreclosed on. Thus, I looked on Unilocal for a mortgage broker and chose Steve because of his excellent reviews and I think it ended up working out best this way.
Steve was an exceptional resource throughout the process as he helped walk me through the financial component and helped me to understand different loan options. After looking at different options, it also appeared that he offered some of the most competitive rates, as he has access to a wide variety of lending options. He was also extremely available and prompt to reply, and he was great about keeping the process moving on what I think was a relatively more complicated house purchase. Getting a home loan is not a simple process, but Steve made it just about as pain free as possible.
Place rating: 5
Rowland Heights, CA
So glad my friend recommended Steve Oka. He’s as good as they come. Very efficient and knowledgeable. He’s easy to contact and communicate with and he clearly explains everything. We purchased our first home and he was more than patient with us. Made sure we closed on time and had everything ready. Made our lives so much easier.
Place rating: 5
San Francisco, CA
We were looking to refinance our home back in 2012 and found Steve’s website. At the time, his rates were much lower compared to other big lenders and we took a chance with him. I’m glad we did because we had some funding complications but Steve helped us each and every step of the way! He is very knowledgeable, personable, patient and especially loves his can-​do attitude.
With Steve’s help, we had refinanced a few properties since then. I had worked with other mortgage brokers in the past but Steve is the best. I highly recommend his services and looking forward to working with him in the future.
Place rating: 5
Hollister, CA
After multiple lenders were not able to work with us due to our specific situation, Steve Oka stepped up to the plate and got us a home run! He worked with us continuously until we were approved and gave us not only a great deal, but we ended up on in a beatific brand new house. Being first time home owners (and only 21 and 23), many lenders did not believe in us and we’re not willing to give us a chance. However, Steve was. He worked extremely hard to get us in our new home and we couldn’t be more thankful. He took the time to explain all possible outcomes and scenarios to us and have great advice. When the time comes we will definitely be using Steve for a refi! Highly recommend!
Place rating: 5
Torrance, CA
steve was a very nice friend he help me to buy my first home and call me after 1 year to offer a refinance in very good rate ,
he was very patient and answer all my question and speed service.
Place rating: 5
Santa Rosa, CA
Steve was so easy to work with. we used him on two houses and 3 refinances. He was always very responsive, took his time and made the process so easy.
Place rating: 5
Sacramento, CA
Steve was incredible with helping me get a better deal than the one the bank had offered. I called him after we were referred to by a friend and I’m glad I did. I started the refi process with our bank and 2 days later, after the referral I received, I called Steve. He was able to get us a much lower rate than the bank offered. More importantly, he was great with us with communication, which was important to me.
Place rating: 5
Marin, CA
We just did our 2nd refi with Steve Oka.
He is such a pleasure to work with! Again made the process as easy as he could and got us a great rate.
I can not recommend him highly enough!
Place rating: 5
Laguna Hills, CA
We were first-​time home buyers, and referred to Steve by family.
Steve was impressive, and made the entire experience as hassle-​free as possible. He was patient and took his time to thoroughly explain everything in detail, answer all of our questions, and provide personal guidance and insight whenever asked. He was very communicable, easy to reach, and very prompt with his replies. Steve and his team were able to shorten our contingency timelines, which greatly contributed to our strong, winning offer.
We highly recommend his services to everyone, and look forward to working with him again.
Place rating: 5
Davis, CA
Steve Oka is attentive, and always follows up with information promised. He will do his best to make sure you get the loan and terms you need. I strongly recommend anyone seeking to purchase in the Davis area look him up and use his services– local knowledge, good old fashioned go-​gettedness, and responsive/​polite customer service is all anyone can hope for and Steve delivers all in spades.
Place rating: 5
Temecula, CA
I’ve worked with Steve couple of times for the last 2 years with my refinancing of my home. Both times his service was very professional, courteous and informative. Steve will definitely work with you on your given situation. Communication was very good, a very tedious process to refinance, but he will keep you in the loop. Will absolutely recommend to my family and friends!
Place rating: 5
Livermore, CA
Steve represented my buyers for a home purchase in Livermore. He was very responsive, getting information to us timely. As a real estate agent, it’s important that I can get a hold of a lender outside of normal business hours if necessary. Ours is a very fast market, and Steve was able to accommodate some shortened contingency periods without a hiccup. What he commits to in writing is reliable. He made the loan process easy for my clients and for me. Outstanding customer service!
Place rating: 5
Woodland, CA
Steve was a wonderful mortgage lender. Not only was he knowledgeable, but patient, professional and creative. Although our interaction was all through phone, I felt like I had known him for years, trusted his judgement and recommendations and overall assistance in the whole process. He is very thorough, explains rates and options very clearly and would recommend his services to a new or seasoned homeowner or investor. You will not be disappointed if you choose Steve Oka and C2 Financial:)
Place rating: 5
Torrance, CA
Steve Oka recently helped me and husband purchase our first home. He was extremely patient working with two new home buyers who only had a basic idea of what they wanted. Steve was extremely professional, responsive, and incredibly helpful throughout our home buying process, definitely a 5 star experience! He was clearly the best option because he presented and explained a wide variety of mortgage options — he also computed and printed out the numbers (e.g., mortgage rates, monthly payments) for 4 or 5 theoretical situations that were likely for us.
Overall we’re really happy with his services and would recommend Steve Oka to anyone.
Place rating: 5
Berkeley, CA
I’ve worked with Steve Oka 3 times in the past year: 1) purchase of primary residence in Davis, 2) no-​cost refinance of primary residence, 3) purchase of investment property in central California. With both purchases I compared his rate/​cost to another lender and Steve’s was better. Also, he’s really nice and genuinely cares about his customers. Always felt like he is looking out for my best interest. I plan to invest in more rental properties in the coming years and I plan to continue to get my loans through Steve.
Place rating: 5
Fair Oaks, CA
Buddy at work told me about Steve and C2 Financial. We talked briefly late one Friday to get a framework set up and Monday morning we nailed down the details and he went to work. 30 days later my refinance recorded, old loan paid off and cash out delivered in my checking account just like Steve said.
Bottom line, if you want to work with a professional mortgage broker, Steve Oka and C2 Financial are about the best there is. There was no hidden hoops, all hurdles were handled professionally and expeditiously and the work was done. Easiest experience I have had working on my refi. Thanks Steve!
Place rating: 5
San Francisco, CA
It was great working with Steve! Very patient throughout the 6-​month long short sale and was very helpful in answering all my questions. He kept in touch and updated me on the changing rates. I also had a slightly more unique situation being self-​employed with only a year of tax returns, but that wasn’t able to stop Steve with finding me the best rates! Save yourself the trouble of submitting your info to those online sites and getting bombarded with endless calls and just call Steve.
Place rating: 5
Lodi, CA
Steve Oka is a very knowledgeable, helpful and courteous guy! I had many questions about refinancing and after supplying him with what he needed from me he was attentive and kept his promise to call me back when I needed to further discuss things. He also offered some sound advice as to how to work with a creditor. I have worked with several brokers before Steve and they just take your info and then you never hear from them again. I will be recommending him to friends and family for re-​finance and home loan needs. Easy to talk to and nice to work with. Great!
Place rating: 5
San Francisco, CA
Steve Oka is the best mortgage broker BY FAR that I have worked with. I had
a small issue on my credit report which he helped me fix and was very thorough and gracious throughout the process. We just signed the loan documents and are saving a ton each month with this new loan. The guy is super sharp and very nice and easy to work with. I feel like I have a friend who will help me keep my finances on track.
I have worked with several lenders and brokers in the past, but this guy rocks, so why would I go anywhere else in the future? I will definitely be working with him the next time we need a loan.