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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
    April 27, 2017

    Your Tax Return: Bring it Home | MyKCM

    This time of year, many people eagerly check their mailboxes looking for their tax return check from the IRS. But, what do most people plan to do with the money? GO Banking Rates recently surveyed Americans and asked the question - “What do you plan on doing with your tax refund?”

    The results of the survey were interesting. Here is what they plan to do with their money:

    • 41% - Put it into savings
    • 38% - Pay off debt
    • 11% - Go on a vacation
    • 5% - Make a major purchase (car, home, etc.)
    • 5% - Splurge on a purchase

    Upon seeing the research, The National Association of Realtors (NAR) wondered if this could help with a constant challenge cited by many people who wish to purchase a home – saving for the down payment.

    In a recent post in NAR’s Economists’ Outlook Blog, they explained:

    “With a sizable tax refund, the average American would have a decent down payment depending on which region or market you live in.”

    They went on to add:

    “[A]pproximately 5 percent of all respondents indicated they would make a major purchase which does not seem like a lot. However, there is a bigger group 41 percent who see saving the tax return is best and that group could be potential homebuyers if they are not already.”

    In other words, putting that money toward purchasing a home is a form of savings.

    Bottom Line

    When one considers that first-time home buyers in 2016 had an average down payment of 6%, a decent tax return could go a long way toward the necessary funds needed for a down payment on a house. Or perhaps, the down payment needed by a son or daughter to make their homeownership dream a reality. How are you going to spend your return?

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