Thank you for considering me to guide you through your home buying journey! At Certainty, we pride ourselves on providing the best customer service and exceeding your expectations of the mortgage process at every turn. From a complimentary pre-qualification through an on-time closing, I will be here to ensure confidence every step of the way.



Helping people realize the dream of homeownership is my passion. My experience and knowledge of the industry allows me to tailor each loan to meet the specific needs of each individual. Everyone's story is different, so no one loan will meet everyone's needs. My job is to find that perfect fit.



Buying a home can be one of the most important investments that we make. I am dedicated to making the process a positive and rewarding experience for you, and I welcome the opportunity to earn your business and your trust. Take the next step toward financing your home by clicking the "Apply Now" button now! You can also give me a call or send me an email to schedule some time to chat. I look forward to helping you finance your home.

Producing Regional Manager

Ryan Zoss is your Newport Beach local lender. As a loan officer at Certainty Home Lending, Ryan is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Ryan at (949) 338-7624 for more information!

Ryan Zoss at Certainty Home Lending (NMLS #8314)

Growing up with parents who owned a mortgage company for thirty plus years…I can say mortgage is in my blood. I started working for their company in high school. After college I decided to go into television to become a meteorologist (weather girl). But finding I disliked working in front of the camera I ended up being a television producer for entertainment shows. In the entertainment industry, I met my husband.


After 9/11 happened I decided to exit the TV industry and return to the mortgage world. Starting in new home sales, I then transitioned into working for a new home builder's in-house mortgage company. I took a short time off to raise our daughter and son. Then returned to help families qualify for their dream home.


As a loan consultant, I will walk borrowers through every step of the loan process and support them from pre-approval through their closing date. I like to provide many tools for borrowers to utilize to ensure a stress-free experience. Whether someone is a first-time home buyer or seasoned buyer, they can trust me and my team with all their home financing needs.

VP of Mortgage Lending

Tiffany Rogondino is your Newport Beach local lender. As a loan officer at Certainty Home Lending, Tiffany is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tiffany at (714) 469-2215 for more information!

Tiffany Rogondino at Certainty Home Lending (NMLS #354212)

Chad Levinger is your Newport Beach local lender. As a loan officer at Certainty Home Lending, Chad is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Chad at (949) 430-0806 for more information!

Chad Levinger at Certainty Home Lending (NMLS #1110600)

With nearly 26 years of experience in the mortgage industry, Niko Belsito brings deep expertise, steady leadership, and a people-first mindset to homebuyers and homeowners across Newport Beach and the greater Orange County real estate market. Over the past decade, he has built strong partnerships with both homeowners and homebuilders, helping clients navigate the complexities of home financing in one of the most competitive housing markets in Southern California.


Niko has guided clients through every type of market cycle, from rapid appreciation to shifting interest rate environments. His experience across conventional, jumbo, FHA, VA, and new construction financing allows him to structure mortgage solutions tailored to each client's financial goals. Whether assisting buyers purchasing luxury coastal properties, move-up homes, investment properties, or new construction residences, Niko focuses on strategy, communication, and seamless execution.


For Niko, success is built on collaboration. He values the partnerships he maintains with real estate agents, builder sales teams, and his internal mortgage team, knowing that strong relationships lead to smooth transactions and confident buyers. While loan programs and market conditions may evolve, his commitment to integrity, gratitude, and exceptional service remains constant.


Nothing compares to the moment he calls a client to share that their loan is clear to close. Helping individuals and families achieve homeownership in Newport Beach, Costa Mesa, Irvine, and throughout Orange County is what drives him every day.  
Outside of work, Niko enjoys watching sports, spending time on the golf course, and exploring some of his favorite local restaurants. A perfect day includes all three.


If you are buying, refinancing, or building in Newport Beach or anywhere in Orange County, Niko Belsito is ready to guide you home with confidence and expertise.


Certainty Home Lending has no affiliation with any government agency.  
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.

Niko Belsito is your Newport Beach local lender. As a loan officer at Certainty Home Lending, Niko is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Niko at (949) 306-6214 for more information!

Niko Belsito at Certainty Home Lending (NMLS #328434)

Newport Beach

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