Get honest numbers, smart strategy, and a smooth process from pre approval to closing. Whether you’re buying, refinancing, or investing, I’ll help you choose the right loan with confidence. Diane Luongo Gazich, Certified Mortgage Advisor. NMLS #281464 | DRE #01171919
Certified Mortgage Advisor
NMLS #281464 | DRE #01171919
Discover why clients choose Diane for their mortgage needs.
Explore home loan programs for buying, refinancing, and investing, with clear guidance and honest numbers at every step. Based in Fullerton, Diane serves clients throughout California and helps you choose the right loan strategy for your goals, timeline, and monthly budget.
A flexible option for buyers with strong credit. Competitive pricing, low down payment options, and fixed terms. We help you choose PMI structure and cash to close so your monthly payment stays comfortable and your financing supports long term value.
A powerful benefit for eligible veterans, active duty service members, and some surviving spouses. Many VA loans allow zero down with no monthly mortgage insurance. We guide you through eligibility, funding fee details, and appraisal steps so closing stays smooth.
Flexible options for borrowers who do not fit standard guidelines, including self employed, complex income, or unique property scenarios. Non QM may use alternative documentation such as bank statements or asset based qualification. We compare programs and pricing so you choose the best fit confidently.
A strong option for buyers who need a smaller down payment or more credit flexibility, often 3.5 percent down. We explain mortgage insurance, cash to close, and property rules so you can plan clearly and move to closing with confidence.
A Non QM option for self employed borrowers whose tax returns do not reflect true cash flow. Many programs use 12 to 24 months of deposits to estimate income. We review statements, document deposits cleanly, and match you to a program that approves smoothly.
Investor financing that qualifies primarily using the property’s rental income rather than your personal income. DSCR measures whether rent covers the mortgage payment. Ideal for scaling a portfolio. We review rent estimates, reserves, and down payment so approvals stay smooth and cash flow stays realistic.
Designed for contractors and commission earners paid on a 1099 who need a mortgage that fits variable income. Depending on the program, qualification may use tax returns or bank statement deposits. We review your income pattern and documents early for a smooth approval.
A flexible option for self employed borrowers who can document income with a profit and loss statement instead of tax returns, depending on lender guidelines. We review your cash flow, verify documents, and choose terms that approve smoothly.
Designed for higher loan amounts that exceed conventional limits. Jumbo financing often requires stronger credit, larger down payment, and verified reserves. We help you structure the loan strategically, organize documentation early, and compare pricing options so your approval and payment stay predictable.
Financing built for rental and portfolio buyers. Options may include conventional investor loans and DSCR style programs that focus on rental cash flow. We help you plan down payment, reserves, and documentation so approvals stay smooth and your cash flow goals stay realistic.
Mortgage options for borrowers who file U.S. taxes with an ITIN instead of a Social Security number. Guidelines vary by lender, so documentation matters. We confirm eligibility, review income and assets, and build a clear plan for purchase or refinance with confidence.
Replace your current mortgage to lower your rate, change your term, remove mortgage insurance, or access equity. The best refinance depends on your breakeven timeline and monthly payment goals. We compare scenarios clearly so you can choose the smartest move.
Convert a portion of your home equity into cash by replacing your current mortgage with a larger loan. Often used for debt consolidation, renovations, or major expenses. We review value, costs, and payment impact so the new loan improves your overall strategy.
Hi, I’m Diane Luongo Gazich, a Certified Mortgage Advisor with C2 Financial Corporation. I help buyers, homeowners, and investors across California navigate the mortgage process with clear guidance, honest numbers, and a calm, step by step approach. Whether you’re purchasing your first home, refinancing, or working through a more complex scenario, my goal is to make the process feel simple, organized, and stress free from start to finish.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
A mortgage is rarely just a mortgage, it connects to your finances, your timeline, and your long term plans. I focus on finding the right loan strategy for your situation, explaining the tradeoffs in plain language, and keeping your file moving smoothly through underwriting and closing. You’ll always know what’s happening next, what matters most, and what to expect.
You don’t have to figure it all out alone. I work closely with a trusted network of professionals to support the full journey:
Trust and Estate Attorneys to help protect your legacy
Realtors to help you find the right home and negotiate with confidence
CPA Tax Preparers to keep income and documentation clean and organized
Financial Advisors to align your mortgage plan with long term goals
Probate Attorneys to handle sensitive situations with care
Get clear answers to the most common mortgage questions, including pre approval, down payments, credit, rates, closing costs, and next steps, so you can move forward with confidence.
We specialize in a wide range of mortgage solutions, including conventional loans, FHA, VA, jumbo loans, and more. Whether you are a first-time homebuyer, self-employed, or looking to refinance, we have tailored options to fit your needs.
Getting started is easy. You can reach out to us for a quick strategy session where we’ll discuss your goals and gather some initial details. From there, we guide you through pre-approval, document collection, and the entire loan process step by step.
We focus on a calm, educational approach and tailor each mortgage strategy to fit your unique situation. Our goal is to make the process as clear and stress-free as possible, so you can move forward with confidence.
Absolutely. We have experience working with self-employed borrowers and those with unique income situations. We offer a range of loan options that can accommodate bank statements, complex tax returns, and other alternative documentation.
Timelines can vary, but many of our loans close in about 21 to 30 days, depending on the complexity of your file and how quickly documents are submitted. We’ll give you a clear timeline and keep you updated at each step.
We’re here to help. You can reach out to us anytime during the process, and we’ll make sure you always have a direct line to get answers and feel confident about your next steps.
Pre qualification is a quick estimate based on basic info, while pre approval reviews documents and credit so your budget and approval strength are much more reliable.
A pre approval usually includes a credit check which can cause a small temporary dip, but for most borrowers it is minor and outweighed by the clarity and leverage you gain when making offers.
It depends on the loan program and your goals. Some buyers can purchase with low down or even zero down, but the best plan considers monthly payment, closing costs, and keeping reserves.
Minimums vary by program and lender, but approval is based on the full profile, credit score, payment history, debt, and stable income. If you are close, small changes can improve approval and pricing.
Yes. Student loans are common and often manageable, but how they are counted depends on the loan type and repayment status, so we calculate them correctly from the start.
Avoid opening new credit, changing jobs without discussing it, making large undocumented deposits, or moving money between accounts without a paper trail. Small changes can create big underwriting questions.
Closing costs include lender fees, title, escrow, appraisal, and prepaid items like taxes and insurance. A good plan is to budget a realistic range early and then refine once you are under contract.
A rate lock holds your interest rate for a set period while the loan is processed. Lock timing matters, so we align it with your contract timeline and your comfort with market movement.
Yes. A denial often means the program or documentation strategy was not the right fit. We review the reason, rebuild the plan, and choose a better path based on guidelines and your real profile.
It depends on your current rate, how much cash you need, whether you want flexible access, and your payment comfort level. We compare the options side by side so you can choose the smartest move.
