Amy Costa-Bigler Mortgage Advisor

Amy Costa-Bigler Mortgage Advisor Amy Costa-Bigler
Mortgage Planner 🏡🗝
NMLS #270094

“Amy has a wide range of mortgage choices, excellent rates and flexible terms.

🏆Award Winning CA Mortgage Broker • Top 1% • Mortgage Advisor • Buyer Specialist • Refinancing • Investing • HELOCs • Customized Strategies • Nationwide | NMLS #270094
💚🏡🗝️ Integrity is the cornerstone of Amy's business. She believes a mortgage should be about building relationships, and helping her customers achieve their home financing goals, not just a transaction. Amy takes a consultative appr

oach to the home loan process by customizing each transaction to help her customers achieve their home financing goals. Many loan officers can get you a loan. Amy's mission is to get you the right loan.” Amy consistently is ranked among the top 1% of mortgage consultants within the US while maintaining excellent customer service ratings.

Happy Labor Day! 🇺🇸☀️Today’s agenda: rest, relax, recharge… and absolutely nothing else. 😎Here’s to a well-earned day of...
09/07/2026

Happy Labor Day! 🇺🇸☀️

Today’s agenda: rest, relax, recharge… and absolutely nothing else. 😎

Here’s to a well-earned day off, good food, sunshine, and spending time with your favorite people.

Tomorrow we can get back to the emails, deadlines, and to-do lists. Today? Not a chance. 😂

Happy Labor Day, friends! ❤️🤍💙

The ONE question I wish more buyers would ask before they start house hunting 👇“What monthly payment actually feels comf...
09/07/2026

The ONE question I wish more buyers would ask before they start house hunting 👇

“What monthly payment actually feels comfortable for me?”

Because what you qualify for and what fits comfortably into your life aren’t always the same number.

As your mortgage broker and advisor, my job isn’t just to tell you the maximum you may qualify for. It’s to help you understand the numbers, compare your options, and find a price range that makes sense for your goals and everyday budget.

Getting clear on that before you start scrolling through homes can make the whole process feel a lot easier — and help you shop with confidence. 🏡

Before you fall in love with a house, let’s make sure you’re comfortable with the numbers behind it. DM me and we can talk through your options.

A little bit mortgage nerd. A little bit Gigi. A little bit “let me research that for you.” 😂🤍I’ve been in the mortgage ...
09/07/2026

A little bit mortgage nerd. A little bit Gigi. A little bit “let me research that for you.” 😂🤍

I’ve been in the mortgage business for 25+ years, but somewhere along the way I realized this career has never really been about loans.

It’s about people.
Helping someone buy their first home.
Finding a solution when everyone else says no.
Helping a family make a smarter financial decision.
Being the person my clients and Realtor partners know they can call when they need an answer — or a strategy.

And outside of mortgages? I’m Gigi. 🤍 I’m learning golf, slightly competitive at pickleball, addicted to Pilates, always planning another trip, visiting my favorite winery, and probably researching something nobody asked me to research. 😂

Born in Kansas 🌻, California raised ☀️ — and very grateful for the life, family, relationships and business I’ve built here.

At the end of the day, the things that matter most to me are pretty simple:

Good people. Meaningful work. Family. Home. Freedom. 🏡🤍

And yes… I really do love a good spreadsheet. 😂

09/04/2026

When I say I have the best job, this is what I mean. 👇

It’s not just the closings or the commission checks. It’s helping someone make sense of the options, talking through the “what ifs,” and being the person they can call when they’re not sure what comes next.

It’s handing over the keys and watching it finally sink in — this place is theirs. It’s getting a message years later saying they still love the home we helped them find. It’s watching a first-time buyer walk through their own front door for the very first time.

Being an advisor and broker means I’m not just here to help with a transaction. I’m here to guide, advocate, negotiate, and help my clients make decisions they feel good about.

And getting a front-row seat to some of the best days of their lives? That’s the part that never gets old. 🏡

I don’t just want to be your broker for the good news. 🏡I want to be the person you call when the financing gets complic...
09/02/2026

I don’t just want to be your broker for the good news. 🏡

I want to be the person you call when the financing gets complicated, too.

When the lender asks for another document. When the numbers change and you’re not sure why. When an appraisal comes back differently than expected. When there’s a delay and you need someone to explain what’s happening — and what we can do next.

Getting to say “you’re approved” or “we’re clear to close” is one of the best parts of this job. But being a mortgage broker also means helping you navigate the stressful moments, answering the questions you’re afraid to ask, and working through the options when things don’t go exactly as planned.

The celebrations matter, but so does having someone in your corner when the process gets tough.

In every lifetime, that’s the kind of mortgage broker I want to be. 🏡

You know that feeling when you’re somewhere and suddenly think, “I could actually see myself living here.”Maybe it’s the...
08/31/2026

You know that feeling when you’re somewhere and suddenly think, “I could actually see myself living here.”

Maybe it’s the neighborhood, your favorite coffee spot, or just the way a quiet Sunday morning feels. Sometimes that little moment is what gets you thinking about homeownership in the first place.

You don’t need to have all the numbers figured out before starting the conversation. That’s where I can help — we’ll look at where you are, explore your options, and map out what your next steps could be.

If you’ve had that “I could live here” moment, let’s see what might be possible. 🏡☕

📩 DM me “COFFEE” and let’s chat.

08/28/2026

Some things just feel right. Like morning coffee by the pool… and knowing the place you’re enjoying is actually yours. ☕🏡

Renting can feel like the easier option. There’s less commitment, less paperwork, and buying a home can seem like a pretty big step.

But you don’t have to figure it all out before you start asking questions.

I’ve worked with plenty of clients who thought they weren’t ready, only to discover they had more options than they realized. Sometimes, the first step is simply understanding where you stand and what you can work toward.

If homeownership has been on your mind, let’s have a conversation. No pressure — just a chance to explore what might be possible.

📩 DM me and let’s find out together.

08/27/2026

A lower rate doesn’t always mean a better deal. 👀

A Realtor called me yesterday about buyers who were already pre-approved through a credit union—but after 3 days without a return call, she asked me to take a second look.

Their rate? 5.8%.

Could I match it? Yes.

But after reviewing the entire loan, I found an option that I thought made a lot more sense for them:

🏡 5.9% rate
💰 Over $9,000 LESS in closing costs
📈 Only about $30 more per month
⏱️ And we can close in less than 2 weeks

They had already budgeted that $9,000 for closing, so now that money can stay in their pocket for furniture, paint, moving expenses—or simply their savings account.

This is why I always say: don’t shop for a mortgage based on rate alone.

Rate matters. But so does the payment, closing costs, cash to close, loan structure, timeline—and having someone who actually answers the phone. 😉

The “best rate” on paper isn’t necessarily the best mortgage for you.

Already pre-approved somewhere? I’m always happy to give you a second opinion and compare the numbers. No pressure—just information.

📩 DM me SECOND LOOK and I’ll take a look.

While you’re busy finding the right home, going to inspections, and figuring out where the furniture will go, I’m behind...
08/26/2026

While you’re busy finding the right home, going to inspections, and figuring out where the furniture will go, I’m behind the scenes keeping a close eye on the finance side.

From understanding what you can comfortably afford to watching deadlines, fees, repayments, and all the little details in between — there’s a lot happening that you shouldn’t have to worry about on your own.

That’s where I come in. My job is to stay on top of the details, ask the right questions, and help keep things moving as smoothly as possible.

You focus on the exciting part. I’ll focus on the numbers and paperwork. 🏡

If you’re thinking about buying and want someone in your corner, DM me. Let’s chat.

08/25/2026

If you’re in your 30s and still renting, I need you to hear this:

You are not behind. 🏡

The average first-time homebuyer is now 40 years old — up from 28 in 1991.

Buying a home has gotten harder. Prices have risen faster than wages, rent makes saving harder, and the path to homeownership looks very different than it did for previous generations.

But here’s what I don’t want you to do:

Wait because you assume you’re not ready.

I talk to people all the time who are much closer to buying than they realized — they just didn’t know what was possible or what they needed to work on.

And even if you’re not ready today, knowing exactly what needs to happen over the next 6, 12, or 18 months can completely change the trajectory.

No pressure. No judgment. And no credit pull just to have the conversation.

👇 Comment “NUMBERS” and I’ll help you figure out where you actually stand.

You don’t need to have it all figured out before you ask. That’s literally what I’m here for. 🤍

Address

Tracy, CA
95376

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