Your Orange County Mortgage Expert: Guiding You Toward Homeownership in Fullerton, Brea, Tustin, and Beyond

Buying a home, refinancing, or investing in real estate is an exciting journey, but it can also be a daunting one. Having the right mortgage expert by your side makes all the difference. I’m Diane Luongo-Gazich, a Certified Mortgage Advisor with C2 Financial Corporation (NMLS #281464, DRE: 01171919), and I’ve dedicated over 30 years to helping clients across Fullerton, Brea, Tustin, Anaheim, Cypress, Whittier, Newport Beach, Ventura, and beyond navigate the mortgage process with ease.

First-Time Homebuyer & Down Payment Assistance (DPA) Loans

If you’re looking to put down roots in Orange County—whether in Fullerton, Brea, or Tustin—it’s possible to do so without a hefty down payment. First-Time Homebuyer and DPA Loans offer low or no money down, grants, and even forgivable loans, making homeownership more accessible than ever. I’ll help you sort through the available options, ensuring you choose the program that fits your financial situation.

Conventional Loans

For borrowers with a solid credit history and steady income, conventional loans in Anaheim, Cypress, and Whittier offer competitive rates and flexible terms. Whether you prefer a fixed-rate mortgage for predictable monthly payments or an adjustable-rate mortgage (ARM) for potentially lower initial costs, I’ll guide you toward the best loan structure for your long-term goals.

VA Home Loans

If you’re a veteran or active-duty service member in Ventura, Newport Beach, or anywhere in Orange County, a VA home loan is one of the most powerful mortgage products on the market—featuring no down payment, no PMI, and favorable interest rates. I’m proud to help military families take full advantage of the benefits they’ve earned, making the road to homeownership as straightforward as possible.

Jumbo Loans

Dreaming big? Jumbo loans are designed for high-value properties that exceed conforming loan limits. If you’re eyeing a luxury home in Newport Beach or an upscale property in Ventura, I’ll help you navigate the added requirements of jumbo financing, so you can secure the dream home you’ve always wanted.

Non-Qualified Mortgage Loans

Some homebuyers—like self-employed individuals or those with less traditional income sources—may have a harder time qualifying for conventional loans. Non-Qualified Mortgage (Non-QM) Loans provide flexible underwriting, making them a great fit for borrowers with unique financial situations. I’ll work with you to find a Non-QM solution if you fall outside standard qualification guidelines.

 
Refinance Loans & Cash-Out Refinance

Looking to lower your interest rate, reduce your monthly payments, or tap into your home’s equity? A refinance loan might be your best option. If you need funds for home improvements, debt consolidation, or major life events, a cash-out refinance allows you to leverage your existing home equity. I’ll walk you through the pros and cons of each, helping you decide which refinancing strategy serves you best.

HELOC (Home Equity Line of Credit)

A Home Equity Line of Credit is another way to access your home’s equity, offering a revolving line of credit you can use as needed. Whether you want to renovate your Brea home, fund a family vacation, or cover unexpected expenses, a HELOC can provide flexible financing. I’ll make sure you understand the terms, repayment schedule, and how to responsibly manage a line of credit.

 
Renovation and Construction Loans

If you’re looking to revitalize a fixer-upper or build your dream home from the ground up in Tustin, Fullerton, or Anaheim, renovation and construction loans can help. These specialized loans cover both the home purchase (or existing mortgage) and renovation costs in a single mortgage, simplifying the financing process.

USDA Loans

For those looking to settle in more rural areas around Orange County or Ventura, USDA loans offer low or zero down payment options and competitive interest rates. If you qualify, this can be a fantastic way to achieve homeownership in quieter, less urban communities.

Why Choose Me as Your Mortgage Advisor?

Decades of Expertise: I’ve spent over 30 years perfecting the art of matching clients with the right mortgage solutions.

Wide Range of Loan Options: From first-time homebuyer programs and VA loans to jumbo financing and HELOCs, I’ll find the right fit for your specific goals.

Local Insight: As a Fullerton-based mortgage advisor, I understand the diverse markets in Brea, Tustin, Anaheim, Cypress, Whittier, Newport Beach, and throughout Orange County.

Personalized Guidance: I’ll break down each step of the mortgage process, so you can make informed decisions every step of the way.

Let’s Get Started!

Ready to explore your home financing options or take advantage of current market rates? Reach out today or visit my website at itsagreatloan.com to learn more about the loan products I offer. Whether you’re buying in Fullerton or Ventura, refinancing in Anaheim, or building in Newport Beach, I’ll guide you through a stress-free mortgage experience—every time.