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Ryan Gelardi
NMLS #247378
Mortgage Consultant
Cell (858) 945-0372
Fax (858) 535-2112
Welcome to the Gelardi Team! Whether you are looking to get pre-qualified for a purchase mortgage or are looking to refinance your existing mortgage, we can help. C2 Financial is the largest Mortgage Broker in CA (Scotsman Guide) with nearly 100 lender relationships, giving me access to a better combination of loan options and interest rates than anywhere else! We are renouned for fast closings, great rates and great service!

We also have our own Mortgage Branch - we are conveniently located in an outdoor shopping mall at the corner of Governor and Regents within University City, cornered between La Jolla, UTC and Clairemont.

I pride myself on providing the best combination of interest rates and service - not just in San Diego, but anywhere! Being "the best in the business" is not a claim I take lightly, as I've worked hard to position myself to be the best and I work hard on each and every transaction to prove it! This is achieved by always placing my clients' best interests first and though working harder and smater than anyone else.  I have a Business and Economics Degree from UC Santa Barbara, I'm licensed not only by Department of Real Estate but also through the National Mortgage Licensing System...and have completed a host of lender- and industry-specific trainings to ensure I am the most knowledgeable lending resource for my clients.

Please visit my reviews on YELP, Angie's List, Zillow and LinkedIn!
Find the perfect loan to fit your needs.

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.


Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.


Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.