About Niko Belsito
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.
We can make it happen!
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Certainty Home Lending, LLC cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. 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. Restrictions may apply, contact Certainty Home Lending, LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Certainty Home Lending, LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Certainty Home Lending, LLC. Certainty Home Lending, LLC its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 5000 Birch Street, Suite 3000 Office 349 Newport Beach CA, 92660
