Gaurav Vaish - NMLS 2122782, DRE 02255554

03/07/2026

This happens every single time, almost.

As a home owner, you see your mortgage statement for a balance of $100,000 and when you refinance, you see $101,000 payoff adding to your closing cost. And you wonder why.

This explains why. Read this article on why the payoff amount is higher, mostly always, than your current balance.

If you request a mortgage payoff statement while refinancing, the number often looks higher than your loan balance. Many homeowners immediately think something is wrong: “Why am I paying inte…

01/29/2026

Do you need more information to make a decision?
(Part 2 of the series)

Of course, yes. An informed decision is always a better idea.
But a lot of information available is just data without context.
You can make a decision once you add the context.

Read through the series to ensure that you are well prepared when the time comes to make a call to put an offer to buy the home you like.

If buying a home feels harder than you expected, you’re not alone. Many people start the process excited and optimistic. Then, somewhere between scrolling listings, talking to friends, and reading …

01/29/2026

90-day DIY guide to prepare yourself for home purchase.

This series is based on Takashi Harada's method - "The Spirit of Self Reliance" used by atheletes and coaches to foster self-reliance and goal achievement.

Today, we start.

Doma Loans

Buying a home is supposed to feel exciting.For many people, it feels overwhelming instead. Between headlines about interest rates, stories of bidding wars, and advice coming from every direction, i…

01/12/2026

Today, we start a 4-part series on how efficient tax strategies impact your mortgage efficiency.

If you’re have are aggressive tax planner, watch out on what impacts your ability to get mortgages.

Comment / Message PLANNING if you want to setup your 2026 plan!

Why Smart Tax Strategies Can Reduce Your Loan Amount Introduction Many successful entrepreneurs, real estate investors, and business owners are shocked when they apply for a mortgage and hear: “Bas…

01/12/2026

7-step guide to prepare buying your first home - from preparing your credit to getting your pre-approval to put an offer.

Whether you’re W2 employee, self employed or a business owner - you need to lineup your ducks in a row.

Message me to get started!

Buying your first home isn’t just about finding the “perfect” house. It’s about qualifying smartly, buying strategically, and setting yourself up for your next move. Today, we discuss the exact fir…

10/11/2025

You don't need a bank to get your home.

Infact, the top 3 largest mortgage lenders in the US are all non-bank. And there are over 10,000 lenders in the country.

DM / WhatsApp me if you want to compare options with what your bank gave you.

To apply for a mortgage, go to https://mortgage.new

In this episode, Deepak and Gaurav dive deep into the real estate and mortgage world, revealing how mortgage brokers help buyers and investors access multipl...

06/01/2025

6360 Forget Me Not LIVERMORE, CA 94551

Open House: 1-4pm

Beautifully modern and move-in ready.
3-bedroom, 2.5-bath home in Livermore, CA

https://youtu.be/QNIWgThf_Xw

Find me there!

10/07/2024

Bitter-sweet last 3 weeks!

Locked rates in the week of 9/18 on 5+ loans, while several others wanted to wait for a couple of days more.

And here we are - rates have jumped by over 0.5% with today being highest since 7/31!

The bond yield (impacting mortgage rates) jumped today, yet again. After a 0.5% bump last week.

Mortgage rates can change twice a day. You can monitor 10yr treasury yield as a proxy on what’s going to happen later in the day. It crossed 4% today morning!!

https://cnb.cx/3YdYmiE

10/07/2024

If you're in the Bay Area, reserve your Sunday, Nov 10 2024

Money is always on our mind, almost. Either we're working for it, or want it to work for us.

For everyone in the Bay Area, join the full day event on strategies, opportunities and solutions focusing money.

Register Today At: https://bit.ly/4gW1PKc
Use code "GAURAV20" for get 20% discount*

* Applies to first 30 registrations "using this code".
Limited Seats Available, discount is for first come first serve basis & not valid with other promotions.

10/04/2024

Mortgage Rates vs Fed Rates

Despite recent Fed rate cut of 0.5%, mortgage rates have risen - by as much as 0.5%
However, if you zoom out, the rates have fallen over the year without the Fed rate cut.

This just shows how the mortgage rates are both unpredictable as well as slightly decoupled from Fed rates.

If you have been on the edge, it may still be a good time to buy / refinance. You can still get a discount on the price and refinance later.

Message me "RATE" to connect and explore options.

08/29/2024

HELOC is a great way to tap into higher home value without giving away your low interest rate that you got 3yrs ago.