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Monday 8am - 5:30pm Tuesday 8am - 5:30pm Wednesday 8am - 5:30pm Thursday 8am - 5:30pm Friday 8am - 5pm

Trish Luna-dealva Mortgage Originator at Guaranteed Rate NMLS 1561277

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United States
Oceanside, CA
Trish Luna-dealva Mortgage Originator at Guaranteed Rate NMLS 1561277

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I am a Mortgage Originator at Guaranteed Rate, Inc. dba Rate. Personal NMLS #1561277. Guaranteed Rate #2611.
3940 North Ravenswood, Chicago IL, 60613

A mortgage company who grows for good. We believe you’re amazing and can do anything you want in the world. Believe you can and you will. For licensing information, go to www.nmlsconsumeraccess.org | www.rate.com/licensing

With 10 years in the mortgage industry and 10 years in Financial Planning, I understand each person's financial situation is unique. Always looking at the big picture, I will work closely with you to determine the short-term benefits of a product as well as the long-term impact on your financial life. Whether you are purchasing a new home or refinancing your current one, I will spend the time to go over all the details and help you find the right mortgage at the right time for you and your family. My goal is to provide a level of service and personalized care that inspires you to return to me for all your mortgage needs. The highest compliment I can receive is your confidence in referring me to your family, friends and coworkers.

3940 North Ravenswood, Chicago IL, 60613

11/04/2026

When you’re thinking about buying a home and applying for a mortgage, credit prep doesn’t have to mean making changes. Sometimes, the smartest first step is simply knowing what’s on your report and asking questions before making a move that could affect it.

Save this for when homebuying is right around the corner, and reach out with questions so we can talk it through.
https://myoc.io/fqUioqa1hiR/0DZDw

NMLS # 1561277

11/02/2026

Your future home can start with one folder.

Organizing documents, such as income, assets, employment and current housing information before you apply could make mortgage prep feel a lot more manageable.

Start with one category today, then keep building from there. If you have questions, I’m happy to help you understand exactly what may be needed when you’re ready to take the leap toward homeownership. Save this post. Future you will be glad you did.
https://myoc.io/fqUioqa1hiR/PxlWk

NMLS # 1561277

10/30/2026

Home prices were up in more than three-quarters of the nation’s metro markets in the third quarter of 2026, with the average home price sitting at $432,900. The Northeast region (4%) led the nation in price appreciation, followed by the Midwest (3.6%). 21% of markets saw home prices decline in Q3, showing there's still plenty of opportunities out there for buyers.

Need help navigating this evolving housing market? Let’s talk.
https://myoc.io/fqUioqa1hiR/hqczZ

NMLS # 1561277

10/29/2026

With the economy remaining strong and inflation lingering, the Fed opted to hold interest rates during their latest meeting. Mortgage rates are expected to stay about where they are in response. When rates hold steady, it takes some pressure off your home financing decisions. Instead of trying to anticipate what could happen next, focus on your timing, budget and other factors within your control.

If you’re in the market for a new home, let’s plan your next move.
https://myoc.io/fqUioqa1hiR/bzi8d

NMLS # 1561277

10/28/2026

The new car payment followed you home … and now it won't leave. New debt can creep into your homebuying process, impacting your mortgage approval by changing your debt-to-income ratio.

Before financing a large purchase, let’s talk about how it may affect your plan. After all, some things are better left lurking in the shadows.
https://myoc.io/fqUioqa1hiR/qsDrS

NMLS # 1561277

10/27/2026

Running more than one business, or managing income that doesn't move in a straight line? Standard income documentation isn't always built for that. For eligible business owners, a current 12-month profit and loss statement may offer a documentation path built for that kind of complexity.

If that sounds like your business, let's have a conversation.
https://myoc.io/fqUioqa1hiR

NMLS # 1561277

10/26/2026

Don’t blame ghosts for every creak, thud and clunk. There’s (probably) a perfectly normal explanation for the sounds your home makes. The real trick is keeping up with seasonal maintenance to prevent small issues from spiraling into bigger ones.

Review our home maintenance guide to get your home ready for spooky season.
https://myoc.io/fqUioqa1hiR/dlC7i

NMLS # 1561277

10/22/2026

How’d you do on this edition of the mortgage pop quiz? The best way to begin your homebuying journey is knowing your budget. A pre-approval serves as a helpful starting point so you can focus on homes you can afford, save time and prevent the decision fatigue that comes with endless options.

I’m here to help you take the guesswork out of the big purchase.
https://myoc.io/fqUioqa1hiR/nsoh0

NMLS # 1561277

10/21/2026

Sometimes the small signs around your home point to a bigger question. Does your space still work for you? Whether you’re thinking about more space, a different setup or what comes next, I can help you explore financing options. If updating your home is part of the plan, a Rate Home Equity Line of Credit (HELOC) can help fund improvement projects. Or if life is leading you elsewhere, I could help you explore homebuying options.

Let’s plan for your next chapter together.
https://myoc.io/fqUioqa1hiR/Wa4MU

NMLS # 1561277

10/20/2026

Pending home sales fell 7.3% in September, with signed contracts down in every region of the country. With less competition, buyers who are ready may have more room to negotiate. Thinking about making a move while others wait?
https://myoc.io/fqUioqa1hiR/VX08W

NMLS # 1561277

Address

3940 North Ravenswood
Oceanside, CA
60613

Opening Hours

Monday	8am - 5:30pm
Tuesday	8am - 5:30pm
Wednesday	8am - 5:30pm
Thursday	8am - 5:30pm
Friday	8am - 5pm

Website

https://www.guaranteedrate.com/trishlunadealva

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