Buying directly from a seller?
The practical questions to settle before you write the offer or arrange financing.
California mortgage & real estate capital
One relationship for every real estate move.
Residential mortgages, commercial and fix-and-flip financing, cash-buyer connections, and local guidance—built around your next move.
Responsive guidance. Responsible lending. Local accountability.
California focusedLocal guidance, statewide reach
Residential + commercialOne coordinated capital partner
NMLS #1813428Transparent, responsible lending
The 3C ecosystem
Choose the path that matches your move.
Clear entry points for homeowners, buyers, investors and real estate partners—without making you hunt for the right place to begin.
01Home financing
Residential mortgages
Purchase, refinance, FHA, conventional, reverse mortgage, bridge and flexible Non-QM options.
Explore home loans 02Investor capitalCommercial & fix-and-flip
Financing paths for investment property, commercial real estate and time-sensitive renovation opportunities.
View business-purpose financing 03Buyer networkCash buyers
Register your acquisition criteria and be considered for suitable off-market opportunities routed through our network.
Join the network 04Seller optionsExplore a cash sale
Tell us about the property and we can introduce the opportunity to participating independent cash buyers.
Request an introduction
Sergio CeballosFounder & Mortgage Broker · NMLS #1224913
Built on clarityMeet 3C Mortgage Group
More than a loan. A strategy you can understand.
3C Mortgage Group was built around honesty, integrity and competent guidance—so borrowers and investors can make confident decisions without feeling rushed or left in the dark.
01
Listen first
Start with the property, the goal and the complete financial picture.
02
Explain clearly
Turn loan programs, tradeoffs and conditions into useful next steps.
03
Stay accountable
Keep communication direct from first conversation through closing.
Learning center
Arrive at the next conversation prepared.
Plain-language guidance for buyers, homeowners and investors. Educational content is not a credit decision or a substitute for personalized advice.
Mortgage documents, decoded.
Know what lenders commonly review and organize the file before urgency sets in.
Fix-and-flip financing basics.
Understand leverage, project scope, experience and exit strategy before seeking terms.
“
On a scale of 1–10, I give Sergio a 20.
Greggory H. · Antioch, California
Ready when you are