Hi! I'm Gian...
Your Mortgage Consultant!
We make the home loan process as simple as possible by guiding you through every step.
Gian Ceretto
Mortgage Consultant
NMLSR: 693569
State license:
CA-DBO693569
AZ-1032030
Gian Ceretto (NMLS 693569), a Sr Mortgage Consultant with Prosperity Home Mortgage in San Diego, CA, brings a profound depth of expertise and a personal touch to the world of residential mortgages. Born and raised in San Diego, a city close to his heart, Gian's journey into the mortgage industry is deeply rooted in his upbringing. His parents, both Navy veterans, instilled in him an enduring affinity for helping military families achieve homeownership in the land they've honorably served.
With 19 years of experience under his belt, Gian is more than just a loan officer; he's a trusted advisor and a pivotal figure in his clients' journey to homeownership. He holds a dual Baccalaureate Degree from the University of Hawaii at Manoa, where he earned a Bachelor of Science in Economics and a Bachelor of Business Administration in Marketing. This educational background, combined with his extensive experience, gives him a unique edge in understanding the economic landscape and tailoring mortgage solutions to fit each client's needs.
Gian specializes in serving a diverse range of clients, from first-time homebuyers and move-up buyers to seasoned investors seeking to expand their multifamily home portfolios. His approach is characterized by a blend of professional acumen and personalized service. He deeply values building lasting relationships with clients and referral partners, including realtors, financial planners, certified public accountants, and attorneys. His focus on detailed financial planning and credit score implications ensures a smooth and efficient loan approval process.
What truly sets Gian apart is his innovative use of technology that enables him to provide clients with insightful advice on making better real estate decisions that strive to build long-term wealth. Gian's commitment extends beyond transactional interactions. He is dedicated to being a reliable resource and advocate for his clients' financial freedom and homeownership dreams.
Gian's mission is to empower clients to achieve their homeownership and financial aspirations through tailored mortgage solutions. He is committed to expert guidance, clear communication, and a collaborative approach. His vision is to redefine the mortgage experience through innovation and excellence, aspiring to be the first choice for home financing.
Growing up and living in San Diego, Gian understands the unique challenges and opportunities in the local real estate market. His customer reviews reflect his dedication and effectiveness. Clients consistently praise his responsiveness, professionalism, and ability to make complex processes understandable and manageable.
Outside of his professional life, Gian cherishes spending time with his wife and three daughters. Whether it's spending the day watching his daughters perform at a dance competition, enjoying a day at the beach or exploring the mountains, he values the balance between his professional endeavors and family life.
In summary, Gian Ceretto stands out as a mortgage consultant who combines professional expertise with a personal touch. His dedication to his clients, understanding of the market, and commitment to tailored solutions make him a distinguished and trusted advisor in the mortgage industry.
For J.D. Power 2024 Award information, visit www.jdpower.com/awards
Home financing tailored to meet your needs
We have a full suite of mortgage programs to meet your needs and give you a competitive edge:
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01Fixed & adjustable rate mortgages
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02Federal Housing administration loans (FHA)
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03Veterans affairs loans (VA)
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04Renovation financing
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05Jumbo loans
Know Your Monthly Mortgage Payment
Justin Messer
President and CEO
"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."
4.97 of 5.00
Our average client rating. YTD 12/2021 on experience.com
I'm here to answer all
your mortgage questions
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Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
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Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
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What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
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What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
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Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
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What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
Take a look
inside our world
Looking at how we do business at Prosperity Home Mortgage is as simple as a conversation. Are you ready to step inside?
Gian Ceretto
Mortgage Consultant
NMLSR: 693569