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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.

Outside of work you can catch me gardening, hiking, kayaking and playing with our dogs!

  • Branch: Irvine
    2030 Main St., Suite 500
    Irvine, California 92614
    Direct: 949-258-9938
    Fax: 949-430-5166
    Email:
    • Run accurate payment scenarios using your personalized calculator.
    • Determine your qualification with the click of a button.
    • Request and print pre-approval letters directly from the app.
    • Capture and upload documents from your mobile device.
    • Real time updates when you achieve important milestones on your loan.
    • Direct communication with your loan officer using the in-app messanger
    Download My app
    • Download mobile app

      I am very excited to offer you our new mobile app which is designed to make getting your home loan approved and closed as fast and easy as possible.

      All I need is your name, email & mobile phone number. I will text you instructions on how to get started.

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Recent Posts

  • by Lauren Gurley
    February 07, 2018

    $15,000 Annual Exclusion

    The federal government gives each of us an allowance to gift anybody $15,000 per year without incurring any gift tax. This $15,000/year replenishes every year, and it’s $15,000 per person. So, theoretically, I could gift every person that I know $15,000 today, and then another $15,000 next year and the year after, and there would be NO gift tax. The limit was $14,000 in 2017, and it went up to $15,000 in 2018.

    $11,200,000 Lifetime Exclusion

    What most people don’t realize, is that there’s a second allowance of $11.2mm! In other words, let’s say that I want to give you $115,000. That’s $100,000 more than what I can give you out of my $15,000 annual bucket. That’s not a problem at all because I also have the $11,200,000 bucket. The $11.2mm bucket is called my “Lifetime Exclusion.” If I use any of it during my lifetime, I simply reduce my estate tax exclusion by that amount. So, in our example, if I gift you $115,000, I would take $15,000 out of my annual bucket and $100,000 out of my lifetime bucket. My annual bucket replenishes each year. But my lifetime bucket does NOT replenish. In fact, I must reduce my lifetime bucket by $100,000, so now my lifetime exclusion is “only” $11.1mm instead of $11.2mm. The lifetime exclusion went up from $5.49mm in 2017 to $11.2mm in 2018.

     

    Be sure to check with a CPA for more details about how these changes may impact your specific situation.

    PLEASE NOTE: THIS LETTER AND OVERVIEW IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE LEGAL, TAX, OR FINANCIAL ADVICE. PLEASE CONSULT WITH A QUALIFIED TAX ADVISOR FOR SPECIFIC ADVICE PERTAINING TO YOUR SITUATION. FOR MORE INFORMATION ON ANY OF THESE ITEMS, PLEASE REFERENCE IRS PUBLICATION 559. ALSO, THIS ARTICLE REFERENCES THE FEDERAL GIFT TAX. YOURSTATE GIFT TAX LAWS MAY BE DIFFERENT.

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