Mortgage Loans, Commercial Loans & Real Estate Transactions ALL in One Roof!
We guide first-time buyers, experienced investors, and returning clients through securing the right loan and property—making sure they close with confidence and clarity every time.
There’s nothing like the moment a client hears, ‘You’re approved,’ or steps into their new home for the first time. It’s joy, relief, and pride all at once—knowing their hard work paid off and their future just took a big step forward. Being part of that moment is why we do what we do.” With a foot in both the mortgage and real estate worlds, I bring you the ultimate one-stop-shop experience. No bouncing between agents, brokers and lenders — I handle it all with transparency, hard work and dedication. A lot of happy clients reviews to back it up.
Ready to Get Started?
Let’s talk goals, dreams, and numbers — I’ll take care of the rest.
- Call or Text Me Now: 714-883-0448
- Shoot Me an Email: Fred@OzeanRealty.com
- Schedule a Free Consultation: Click Here to Schedule
What I Can Help You With
Residential Mortgage & Real Estate
- First-time home buyers
- Refinancing with competitive rates
- Upsizing, downsizing, or investing
- Single Family House
- Condo
- Townhouse
- Land
- Mobile Home
- LOAN PROGRAMS: Conventional Loans, VA Loans, FHA Loans, HELOC, Refinancing, Reverse Mortgage and Jumbo Loans, Non QM Loans
Commercial Lending & Investment Properties
Type of Commercial Properties & Investment Loan Programs
- Mixed Use Properties
- Hotels/Motels
- Office Buildings/ Industrial buildings
- Assisted Living
- Cannabis
- Land Development
- LOAN PROGRAMS: SBA loans, Construction Loan, Bridge Loan, Hard Money Loans, Fix and Flip Loan, Investment Loans & DSCR Loans
Real Clients. Real Reviews. Real Results.
Based on 12 reviews
powered by Google
Fred is truly exceptional!
We can't recommend him enough. Not only is he a knowledgeable and experienced realtor and lender, but he’s also incredibly kind, responsive, and efficient. As a young, growing family with two kids and demanding 80-hour workweeks, buying a home felt overwhelming—but Fred made the entire process seamless.
He went above and beyond to accommodate our hectic schedule, always making himself available—day or night—which gave us so much peace of mind. His dedication and genuine care made all the difference in helping us find the perfect home.
We’re beyond grateful and wouldn’t hesitate to work with Fred again or recommend him to anyone looking to buy or refinance. Thank you, Fred!
He went above and beyond to accommodate our hectic schedule, always making himself available—day or night—which gave us so much peace of mind. His dedication and genuine care made all the difference in helping us find the perfect home.
We’re beyond grateful and wouldn’t hesitate to work with Fred again or recommend him to anyone looking to buy or refinance. Thank you, Fred!
Response from the owner 20:44 30 Jul 25
I am grateful and honored that you guys choose me as your Realtor and Loan Officer. It was a Team Effort! Love working with you and Kelly. 
Fred we would like to extend our sincere gratitude for the help you provided us in getting our loan .Your knowledge, expertise, professionalism and kindness are very much appreciated.Thank you so much, and we will not hesitate to recommend you to our friends and family. More Power To You Fred. Thank you again!
Response from the owner 22:10 02 Jun 25
My pleasure Ione - I always advocate for my clients and will not give up until we get to the finish line. Appreciate kind words and 5 star review. I highly value client's feedback. 
Fred is incredibly responsive, knowledgeable, proactive, and super kind!
Response from the owner 22:11 02 Jun 25
Thank you Sue. Love working with you. 
Fred was fast on answering all my questions.
He provided opinions that worked for my family.
Amazing customer service. Thank you
He provided opinions that worked for my family.
Amazing customer service. Thank you
Response from the owner 18:53 09 May 25
Thank you! Estela, I appreciate the trust and confidence. 
Fred is a very smart and nice guy! Love him.
Response from the owner 22:11 02 Jun 25
Juliet - love and appreciate kind words. I love all my clients you guys are my extended family. 
We can't speak highly enough of our experience with Fred Espino. We were first-time homebuyers with very little knowledge about how to find the right place. We met with a couple of realtors before Fred, but we knew instantly that he was the one for us. He is honest, very knowledgeable and hands-on.
We never felt forced to make an offer and when we finally found the "one" Fred walked us through every step of the negotiations and process of buying a house. Would highly recommend Fred to everyone! Thank you Fred!
We never felt forced to make an offer and when we finally found the "one" Fred walked us through every step of the negotiations and process of buying a house. Would highly recommend Fred to everyone! Thank you Fred!
Response from the owner 00:14 08 Apr 25
I am happy you found a corner lot home - fully remodeled with 4bed/3bath - rare find but we got it! 
Fred went above & beyond in helping us buy my 1st house. His helpfulness, knowledge & patience in dealing with us is incomparable to say the least. We can’t thank you enough Fred, truly appreciate all the assistance & a great experience buying our forever home.
Fred is a professional, knowledgeable and most importantly kids friendly guy, as we shop around our house. Fred is very patient with my kids. That makes so much difference while I’m focused on on details on houses. Plus, he also doing loan service so I don’t need to ask for others .
Highly recommended Fred and his team.
Thank You Fred !!
Highly recommended Fred and his team.
Thank You Fred !!
We were incredibly fortunate to have Fred as our loan originator. His professionalism is exceptional, and his knowledge of the market is outstanding. We learned so much from him. Fred took the time to explain everything thoroughly and educate us throughout the process. He is highly approachable and always quick to respond to our questions. On many occasions, Fred responded to our texts late at night and early in the morning. He truly cares about his clients and is always on top of his job. We are extremely satisfied and so glad we chose Fred to help with our mortgage loan.
Response from the owner 00:18 08 Apr 25
I am so grateful to have you guys as my clients. FYI: Quy is a licensed realtor, so he is coming in with tons of knowledge and experience. Being able to get you guys pre-approved for mortgage was quick due to complete documents provided from the start. This review means the world to me! 
Fred is exceptional! He is highly passionate about his work and fully dedicated to addressing all our requests. He is detail-oriented, quick to respond, and always available when we need assistance. I sincerely appreciate his efforts and highly recommend him to everyone! 🙂
Local Expertise Where It Matters Most
| Los Angeles County | ||
|---|---|---|
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Beverly Hills |
Manhattan Beach |
Manhattan Beach |
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Pasadena |
Cerritos |
Culver City |
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Santa Monica |
Glendale |
San Gabriel |
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Monrovia |
Arcadia |
Monterey Park |
|
Long Beach |
Compton |
Inglewood |
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Santa Clarita |
Whittier |
Sherman Oaks |
|
San Fernando |
Huntington Park |
Burbank |
| Orange County | ||
|---|---|---|
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Brea |
Laguna Beach |
Irvine |
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Fullerton |
Newport Beach |
Costa Mesa |
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Anaheim |
Huntington Beach |
Fountain Valley |
|
Orange |
Mission Viejo |
La Habra |
|
Orange Hills |
Aliso Viejo |
Laguna Hills |
|
Cypress |
Dana Point |
Lake Forest |
|
Buena Park |
Westminster |
Santa Ana |
| Riverside County | ||
|---|---|---|
|
Indio |
Corona |
Palm Springs |
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Lake Elsinore |
Palm Desert |
Desert Hot Springs |
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Menifee |
Perris |
Coachella |
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Murrieta |
Temecula |
Cabazon |
|
Hemet |
Wildomar |
Beaumont |
|
Quail Valley |
Winchester |
Norco |
|
Mira Loma |
San Jacinto |
La Quinta |