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Lauren
Gurley

Mortgage Advisor
NMLS #1415251

I have a young and energetic spirit which is evident with my clients as we conquer each step of the loan process. I am excited to bring my creativity, tech skills, and passion to the Commerce team. I absolutely love working and interacting with people, especially as they embark on the exciting adventure of homeownership.

I am recently engaged and we are planning our dream wedding! Outside of wedding planning and work you can me catch me spending time outdoors hiking, kayaking and playing with our dogs!

  • Branch: Newport Beach
    450 Newport Center Drive Suite 200
    Newport Beach, California 92660
    Direct: 949-258-9938
    Fax: 949-430-5166
    Email:
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Recent Posts

  • by Keeping Current Matters
    October 31, 2017

    Don't Let Fear Stop You from Applying for a Mortgage | MyKCM

    A considerable number of potential buyers shy away from jumping into the real estate market due to their uncertainty about the buying process. A specific cause for concern tends to be mortgage qualification.

    For many, the mortgage process can be scary, but it doesn’t have to be!

    In order to qualify in today’s market, you’ll need to have saved for a down payment (73% of all buyers made a down payment of less than 20%, with many buyers putting down 3% or less), a stable income and good credit history.

    Throughout the entire home buying process, you will interact with many different professionals, all of whom perform necessary roles. These professionals are also valuable resources for you.

    Once you’re ready to apply, here are 5 easy steps that Freddie Mac suggests you follow:

    1. Find out your current credit history & score – even if you don’t have perfect credit, you may already qualify for a loan. The average FICO® Score of all closed loans in September was 724, according to Ellie Mae.
    2. Start gathering all your documentation – income verification (such as W-2 forms or tax returns), credit history, and assets (such as bank statements to verify your savings).
    3. Contact a professional – your real estate agent will be able to recommend a loan officer that can help you develop a spending plan, as well as determine how much home you can afford.
    4. Consult with your lender – he or she will review your income, expenses, and financial goals to determine the type and amount of mortgage you qualify for.
    5. Talk to your lender about pre-approval – a pre-approval letter provides an estimate of what you might be able to borrow (provided your financial status doesn’t change), and demonstrates to home sellers that you are serious about buying!

    Bottom Line

    Do your research, reach out to professionals, stick to your budget, and be sure that you are ready to take on the financial responsibilities of becoming a homeowner.

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