Gianni Avilan - Mortgage Specialist; NMLS 2097422

Gianni Avilan - Mortgage Specialist; NMLS 2097422

09/13/2022

How much house can you afford?

To find out for yourself, use the 43 percent rule.

First, take your annual income and divide it by 12 to get your monthly income. Then, subtract monthly debt obligations, like car payments, student loans, and credit card minimums.

Finally, take 43 percent of that number, and THAT'S how much of a monthly payment you can qualify for.

Except...

If you're self-employed or you work part-time. If that's you, follow to see parts two and three.

Congratulations to my latest clients, who funded on their first home today in Milwaukie, OR! 🎉🎉🎉With the current rate an...
09/07/2022

Congratulations to my latest clients, who funded on their first home today in Milwaukie, OR! 🎉🎉🎉

With the current rate and price environment, we were able to structure and negotiate an incredible offer that got my clients a far below-market interest rate that worked for their budget, and I couldn't be happier for them!

Thanks to .masaki, , and my amazing team at for making this one easy and awesome!

I really loved working with these clients, even though their plans changed!I'm here for you whether or not there are bum...
08/24/2022

I really loved working with these clients, even though their plans changed!

I'm here for you whether or not there are bumps along the way, because being a mortgage advisor isn't just about a transaction -- it's about making homeownership accesible and profitable for everyone!

If you want to talk through what homeownership could mean for you, or you're just not getting this level of service from your chosen mortgage professional, follow the link in my bio to book a free, no-strings-attached consult.

Ever wondered what type of mortgage is right for you? Whether it's conventional, FHA, VA, USDA, or jumbo, there's a mort...
08/17/2022

Ever wondered what type of mortgage is right for you?

Whether it's conventional, FHA, VA, USDA, or jumbo, there's a mortgage loan out there for you!

Follow for more finance and real estate tips!

Join me and this Thursday (and ever third Thursday of the month) for a free class explaining everything you need to kno...
08/16/2022

Join me and this Thursday (and ever third Thursday of the month) for a free class explaining everything you need to know to buy a house in the Portland area.

We'll cover topics such as when to buy and how to plan for it, choosing a lender, and what resources are available to moderate- and low-income buyers.

We will leave plenty of time for questions and send you home feeling confident about the buying process.

DM with any questions or to save your space!

08/15/2022

I can't tell you how many times I've heard this one: "Owning a home is a money pit."

Often, my clients hear this from family and friends who are homeowners. While it's true that there are costs and stresses associated with homeownership, the benefits almost always outweigh the costs.

Think about it this way: people complain about their cars breaking down and needing maintenance, but that doesn't mean they should rent a car long term instead!

If you think about it, rent is the real money pit -- you'll never see that money again. On the other hand, part of your mortgage payment goes towards principal (you're basically paying yourself), and that's not to mention the benefits of home appreciation in the form of equity.

Make sure you talk to an expert before deciding whether or not to pursue homeownership -- it might not be as scary as you think!

Congratulations to my clients on their cash-out refinance!This couple came to me after being turned down by two other le...
04/18/2022

Congratulations to my clients on their cash-out refinance!

This couple came to me after being turned down by two other lenders due to a prior bankruptcy, and by working closely with our in-house underwriting department, we were able to get them approved for a cash-out refinance.

Even with rising interest rates, my clients were able to reduce their total monthly debt payments by paying down high interest debt (and make some improvements to their home along the way.)

If you or someone you know is wondering whether a cash-out refinance is right for them, call or DM me today!







Address

655 W Columbia Way, Suite 506
Vancouver, WA
98661

Telephone

+13607268467

Website

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