Luana Gerardis Mortgage and Real Estate Professional

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Luana Gerardis Mortgage and Real Estate Professional Mortgage and Real Estate Expert Licensed by The Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

Guaranteed Rate, Inc. NMLS 2611
3940 N. Ravenswood Ave., Chicago, IL. 60613
(866) 934-7283, rate.com
Equal Housing Lender
For licensing information, go to www.nmlsconsumeraccess.org
www.rate.com/licensing
https://www.rate.com/privacy

10/28/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why.

Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️Applicant subject to cr...
09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️Guaranteed Rate Inc. D/B/A Rate; NMLS  #2611. For licensing information visit http:/...
07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Yesterday was Eva’s 12th Birthday. Her list of accomplishments is already longer than mine could ever be! Watching you g...
05/27/2026

Yesterday was Eva’s 12th Birthday. Her list of accomplishments is already longer than mine could ever be! Watching you grow into such an incredible athlete, singer, and all-around amazing young lady makes me so proud every single day.

You are fearless, talented, determined, hilarious, and full of life — a true little fireball in the best possible way. Never lose that spark, your big heart, or the confidence to be exactly who you are. The world is brighter because you’re in it.

I love you beyond words and can’t wait to see all the amazing things you’ll continue to do. Keep shining, keep singing, keep competing, and keep being YOU. ❤️🎉

05/24/2026

We’re not at concert-level perfection — yet — but I cannot stress enough how important it is to teach children music. 🎵

In a world increasingly dominated by screens, AI, and instant everything, kids are growing up without enough opportunities to truly slow down, think deeply, collaborate, and create something REAL.

Music teaches discipline. It teaches listening. It teaches emotion, teamwork, confidence, patience, and human connection.

There is something profoundly important about children touching live art, hearing live instruments, singing together, and creating beauty with actual human beings in the same room.

The arts are not “extra.”They are essential to a healthy society.
❤️

To learn about musical opportunities I have coming up for kids (and there are quite a few) please DM me..

05/18/2026

9 spots left!!!

🎶 Opera Camp is where young performers learn to shine on stage!

Our campers train with professional artists in singing, acting, movement, and stage presence while preparing for a junior production of The Mikado. Many of our current Children’s Chorus performers started in Opera Camp — and now perform alongside internationally acclaimed artists and full orchestra productions with Opera San Luis Obispo.

Ages 9–17 • Professional training • Master classes • Confidence • Friendship • Big stage opportunities 🎭✨

Registration link in bio - SCHOLARSHIPS still available!!!

Little Miss Eva sang in TWO recitals today! 🎶✨One for her wonderful voice teacher, .goymerac and another for the  Childr...
05/17/2026

Little Miss Eva sang in TWO recitals today! 🎶✨

One for her wonderful voice teacher, .goymerac and another for the Children’s Chorus 😊

Of course, she sang “The Trolley Song” — and today was the VERY first time she has ever sung it with piano instead of orchestra. She quickly realized what a challenge it was not having the violins carrying those harmonies for her! Honestly, probably the most difficult song she has tackled yet… even more challenging than “Shy.”

I’m so proud of my little musician daughter for pushing herself artistically today. 💛

Next stop… Walt Disney Concert Hall ✨…for real!!

05/05/2026

11-year-old Eva giving her best 🎶🎶

In a month Eva will be the only youth singer in a glorious concert, Sounds of Unity, conducted by .  She’s soooooo excit...
05/05/2026

In a month Eva will be the only youth singer in a glorious concert, Sounds of Unity, conducted by . She’s soooooo excited!!!!! So am I 🥹🥹🥹

Noah took this oic of mommy and he wanted to share it!  So, here it is!!!
05/02/2026

Noah took this oic of mommy and he wanted to share it! So, here it is!!!

Just a plain sourdough loaf. That’s all.
04/29/2026

Just a plain sourdough loaf. That’s all.

Y’all need to visit your new stand because Miss Eva’s on the FRONT PAGE!!! 🏅 🛴
04/25/2026

Y’all need to visit your new stand because Miss Eva’s on the FRONT PAGE!!!

🏅 🛴

🥇 MY DAUGHTER DID THAT.Eva took 1st place at Scoot Jam…after choosing to compete in the BOYS division for a bigger chall...
04/23/2026

🥇 MY DAUGHTER DID THAT.

Eva took 1st place at Scoot Jam…
after choosing to compete in the BOYS division for a bigger challenge.

And she WON.

Beyond proud. ❤️🔥

📰 Huge thank you to Hayley Elizabeth Mattson and the for the beautiful write-up and for supporting our local youth. It means so much.

Link to full article in bio!

Address

1065 Higuera Street , Suite 100
San Luis Obispo, CA
93401

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