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GIAN CERETTO | CMA

Mortgage Consultant

Resources





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(619) 573-5778


EMAIL

gian.ceretto@phmloans.com


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gianceretto.phmloans.com


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MORTGAGE MARKET UPDATE

9/06/2024 - Inflation is cooling, home prices continue to rise and the Fed is
expected to cut rates soon. With 30 year fixed conforming mortgage rates in the
low 6% range, and at their lowest levels in over a year, now is a good time to
act before rising demand drives home prices even higher.


MORTGAGE RATES – ADDITIONAL RESOURCES

Here, you'll find additional mortgage market resources to keep you informed
about the ever-evolving mortgage landscape. You can research daily market
updates from Mortgage News Daily, providing fresh insights into market trends.
For a broader perspective, review the weekly updates from Freddie Mac and the
Mortgage Bankers Association, each offering unique viewpoints on the market's
progress. Lastly, don't miss the economic and mortgage rate forecasts from
Fannie Mae, designed to help you plan ahead with confidence.Should you have any
questions or would like to receive personalized advice, please do not hesitate
to reach out to my team directly. We are here to assist you in navigating our
local mortgage and housing markets with success.


THE 5 ESSENTIALS TO BUILDING WEALTH WITH SMART MORTGAGE DECISIONS

Unlock the Power of Your Future Home with Smart Mortgage Choices!Welcome to your
first step towards not just buying a home, but strategically amplifying your
wealth through savvy mortgage decisions. Whether you're stepping into the
housing market for the first time or are a seasoned buyer, understanding the
financial opportunities available through real estate is crucial, especially in
fluctuating market conditions.The Opportunity Awaits...Imagine owning a home
that does more than provide shelter—think of it as a key investment in your
financial portfolio. Real estate, when paired with the right mortgage strategy,
is not just a place to live, but a powerful tool for wealth accumulation. The
dream of homeownership combined with financial growth is not just possible; it's
within your grasp.Yet, Navigating Mortgage Choices Can Be
Overwhelming...Choosing a mortgage is often seen as a one-time decision when, in
fact, it's one of the most critical recurring financial evaluations you'll make.
Different loan options, varying interest rates, and the long-term financial
implications can turn what should be an exciting journey into a stressful
ordeal.Here's How We Simplify the Process...Through our unique educational
pre-approval experience, we break down the complexities of mortgage options and
present them in a clear and actionable way. We explore the nuances of each
choice, from the immediate costs to the long-term benefits, highlighting
strategies like:Mortgage Options: Compare different loans to find your best
fit.Cost Over Time: Align your mortgage with both your short-term affordability
and long-term goals.Real Estate Appreciation: Leverage the growth potential of
your property.Compound Interest: Understand the exponential growth of your
investments.Debt Prepayment: Learn the benefits of paying off your mortgage
early to save on interest and fast-track your financial freedom.Take Action
Today!Don’t let complexity hinder your real estate aspirations. Let us guide you
through making informed decisions that not only get you the keys to your new
home but set you on the path to financial prosperity. Contact us to start your
personalized consultation and see how our strategic approach to mortgages can
turn your real estate purchase into a cornerstone of your wealth-building
strategy.


STRATEGIC SOLUTIONS AND CONTINGENCY PLANS

Whether you're a first-time homebuyer, a seasoned homeowner, or a strategic
partner, you've come to the right place. My team and I are dedicated to guiding
you through the complexities of the real estate market with ease and
expertise.What Sets Us ApartAt the heart of our approach is a deep understanding
of the market opportunities that real estate offers. No matter the current
market conditions, we are committed to getting you excited about the potential
of homeownership. Our specialized process is designed not only to highlight the
immediate benefits but also to illuminate the long-term financial gains that
come with owning real estate. This forward-looking perspective ensures you can
make informed decisions with confidence.In today's real estate market, where
competition is more intense than ever, having a standout strategy is essential.
We pride ourselves on our proven track record of developing winning strategies.
Over the years, we have consistently helped our clients triumph in scenarios
riddled with multiple offers. This success is not just about closing deals but
about creating strategic victories that align perfectly with our clients’
goals.Furthermore, our unique educational pre-approval experience sets us apart
in simplifying the mortgage process. We don’t just provide numbers; we make them
understandable by breaking them down from both a short-term and long-term
perspective. This approach helps you not only understand but also choose the
best loan strategy tailored specifically to your financial situation. It’s about
making the complex simple and ensuring you feel equipped and empowered as you
make one of the biggest decisions of your life.Overcoming Challenges TogetherOn
this page, we address the most common concerns and challenges faced by
homebuyers today:Competing Against Multiple Offers: Our strategic approach is
designed to give you a competitive edge against cash offers and multiple offers,
increasing your chances of winning your ideal home.Navigating Low Appraisals: We
offer strategies to protect your transaction in the event of a low appraisal,
ensuring your transaction is secure.Affordability and High Mortgage Rates: Our
innovative approach to manage the impact of affordability and high mortgage
rates puts your dream home within reach.Buyer Agent Compensation: When the
seller isn’t covering buyer agent costs, we provide solutions to manage buyer
agent compensation, ensuring every home on the market is available to you.We
invite you to explore our resources and reach out to us with any questions. Let
us help you navigate your real estate journey with confidence and success.Let's
make your homeownership dream a reality. Start your journey with us today!




REVIEWS

"Gian is always easy to work with, he listens, answer questions and calmly
explains the process to buyers and agents. He always meets the contract
deadlines and you can trust that what he says he can do, he will do. We highly
recommend Gian and Prosperity Home Mortgage."

simona g


"Gian was proactive about completing our approvals and helping us secure the
house. He drove the process from start to finish and was able to shift his
products to support our preferences quickly."

casey s


"Gian was proactive, patient, and transparent. Made the process as easy and
stress-free as it could be! And this is my second time with him and Prosperity
Home Mortgage!"

anne g


"excellent communication skills and speed of execution"

art l


"Gian went above and beyond for us throughout the entire home buying process.
Always responsive, answered all of our many questions, and made the process as
smooth and painless as possible. Many thanks to Gian and all of his great team!"

william p


"Gian was extremely helpful during the entire process of filing the necessary
paperwork to get a loan to purchase a house. He not only was very knowledgeable
about the loan process in California but also gave us very useful information
about the various financial advantages of investing some of the money we had
received from the sale of our previous property verses using it all as a down
payment. He was available to answer all the questions we had as we went through
the process. He and his staff were excellent to work with!"

marilyn p


"Gian was amazing and went above & beyond during our difficult condo transaction
to make sure we were able to close. Highly recommend to any buyers looking for
their next lender!"

scott m


"Gian was professional and proactive. Did a great job of staying on top of
things early to prevent surprises at the end."

ali j


"Gian is communicative, helpful and when things start to go haywire in the
transaction, I can always count on him to come through. Nobody I would rather do
a transaction with."

diana d




GIAN CERETTO | CMA



Mortgage Consultant

NMLS ID: 693569


ABOUT ME

Gian Ceretto (NMLS 693569), a Sr Mortgage Consultant with Prosperity Home
Mortgage in San Diego, CA, brings a profound depth of expertise and a personal
touch to the world of residential mortgages. Born and raised in San Diego, a
city close to his heart, Gian's journey into the mortgage industry is deeply
rooted in his upbringing. His parents, both Navy veterans, instilled in him an
enduring affin... Read More


ABOUT


Gian Ceretto (NMLS 693569), a Sr Mortgage Consultant with Prosperity Home
Mortgage in San Diego, CA, brings a profound depth of expertise and a personal
touch to the world of residential mortgages. Born and raised in San Diego, a
city close to his heart, Gian's journey into the mortgage industry is deeply
rooted in his upbringing. His parents, both Navy veterans, instilled in him an
enduring affinity for helping military families achieve homeownership in the
land they've honorably served. With 19 years of experience under his belt, Gian
is more than just a loan officer; he's a trusted advisor and a pivotal figure in
his clients' journey to homeownership. He holds a Dual Baccalaureate Degree from
the University of Hawaii at Manoa, where he earned a Bachelor of Science in
Economics and a Bachelor of Business Administration in Marketing. This
educational background, combined with his extensive experience, gives him a
unique edge in understanding the economic landscape and tailoring mortgage
solutions to fit each client's needs. Gian specializes in serving a diverse
range of clients, from first-time homebuyers and move-up buyers to seasoned
investors seeking to expand their multifamily home portfolios. His approach is
characterized by a blend of professional acumen and personalized service. He
deeply values building lasting relationships with clients and referral partners,
including realtors, financial planners, certified public accountants, and
attorneys. His focus on detailed financial planning and credit score
implications ensures a smooth and efficient loan approval process. What truly
sets Gian apart is his innovative use of technology that enables him to provide
clients with insightful advice on making better real estate decisions that build
long-term wealth. Gian's commitment extends beyond transactional interactions.
He is dedicated to being a reliable resource and advocate for his clients'
financial freedom and homeownership dreams. Gian's mission is to empower clients
to achieve their homeownership and financial aspirations through tailored
mortgage solutions. He is committed to expert guidance, clear communication, and
a collaborative approach. His vision is to redefine the mortgage experience
through innovation and excellence, aspiring to be the first choice for home
financing. Growing up and living in San Diego, Gian understands the unique
challenges and opportunities in the local real estate market. His customer
reviews reflect his dedication and effectiveness. Clients consistently praise
his responsiveness, professionalism, and ability to make complex processes
understandable and manageable. Outside of his professional life, Gian cherishes
spending time with his wife and three daughters. Whether it's spending the day
watching his daughters perform at a dance competition, enjoying a day at the
beach or exploring the mountains, he values the balance between his professional
endeavors and family life. In summary, Gian Ceretto stands out as a mortgage
consultant who combines professional expertise with a personal touch. His
dedication to his clients, understanding of the market, and commitment to
tailored solutions make him a distinguished and trusted advisor in the mortgage
industry.


PROSPERITY HOME MORTGAGE, LLC

516 5th Ave

San Diego, California 92101

Company NMLS ID: 75164


DISCLAIMERS

©2024 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite
600, Fairfax, VA 22031. All first mortgage products are provided by Prosperity
Home Mortgage, LLC. Not all mortgage products may be available in all areas. Not
all borrowers will qualify. NMLS ID #75164 (For licensing information go to:
NMLS Consumer Access at http://www.nmlsconsumeraccess.org/) Arizona Mortgage
Bankers License 1001252. Licensed by the Department of Financial Protection and
Innovation under the California Residential Mortgage Lending Act. Licensed by
the Delaware State Bank Commissioner. Georgia Residential Mortgage Licensee.
Massachusetts Mortgage Lender and Mortgage Broker MC75164. Licensed by the NJ
Department of Banking and Insurance. Licensed Mortgage Banker-NYS Department of
Financial Services. Rhode Island Licensed Lender. Rhode Island Licensed Loan
Broker. Rhode Island Licensed Third-Party Loan Servicer. Also licensed in AK,
AL, AR, CO, CT, DC, FL, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC,
ND, NE, NH, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and
WY. Berkshire Hathaway HomeServices California Properties is an affiliate of
Prosperity Home Mortgage. Please speak to your real estate agent for more
information on this affiliation. Prosperity Home Mortgage does not offer loans
in all states.


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