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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

619-573-5778

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.

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Ranked #1 in Customer Satisfaction among Mortgage Origination Companies

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:

  • 01
    Fixed & adjustable rate mortgages
  • 02
    Federal Housing administration loans (FHA)
  • 03
    Veterans affairs loans (VA)
  • 04
    Renovation financing
  • 05
    Jumbo loans

Where can we help you thrive?

Are you looking to buy your first home? Need help managing your mortgage payment?

Trying to figure out how to afford that renovation? Whatever you situation is, we've got the answers.

Select a module

First time homebuyer

First time homebuyer

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Mortgage management

Mortgage management

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Refinancing

Refinancing

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Self-employed

Self-employed

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Veteran

Veteran

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Equity management

Equity management

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Financial planner

Financial planner

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Estate planning attorney

Estate planning attorney

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Realtor

Realtor

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Divorce attorney

Divorce attorney

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Know Your Monthly Mortgage Payment

Mortgage Amount, $
Total Cost Of Mortgage, $
Monthly payment:
P&I
Insurance
Taxes
PMI
HOA

What my clients say...

JK

Jennafer Kyzer

5.0

Poway, CA

Nov 4, 2024

Close attention to detail and lots of communication. Every interaction was positive and we knew you took care to know what was best for our family! Thank you, Gian and team! This was a wonderful, SEAMLESS experience for us!

TS

Thomas Sitterly

5.0

Poway, CA

Oct 24, 2024

I love working with Gian C. He and his team are incredible !

BB

Brenda Berglund

4.8

Woodland Hills, CA

Oct 18, 2024

Gian and his team are excellent! Great at communicating and quick response time!

PB

Paul Berglund

5.0

Woodland Hills, CA

Oct 18, 2024

Gian and Veronica were both fantastic to work with!!!

JG

Julia Gabrick

5.0

Santa Monica, CA

Oct 18, 2024

Gian is a clear and consistent communicator who stays in touch and explains steps patiently. Also, he's not afraid to offer (excellent) advice and strategy, which demonstrates he's genuinely looking out for his clients. It was a pleasure working with him and I look forward to doing so in the future, too.

SG

Simona Giuffrida

5.0

Escondido, CA

Aug 23, 2024

Gian is always easy to work with, he listens, answer questions and calmly explains the process to buyers and agents. He always meets the contract deadlines and you can trust that what he says he can do, he will do. We highly recommend Gian and Prosperity Home Mortgage.

CS

Casey Sheldon

4.7

Carlsbad, CA

Aug 13, 2024

Gian was proactive about completing our approvals and helping us secure the house. He drove the process from start to finish and was able to shift his products to support our preferences quickly.

AG

Anne Griffioen

5.0

San Diego, CA

Aug 13, 2024

Gian was proactive, patient, and transparent. Made the process as easy and stress-free as it could be! And this is my second time with him and Prosperity Home Mortgage!

AL

Art Lewis

5.0

San Diego, CA

Aug 13, 2024

excellent communication skills and speed of execution

WP

William Preuit

5.0

San Diego, CA

Aug 13, 2024

Gian went above and beyond for us throughout the entire home buying process. Always responsive, answered all of our many questions, and made the process as smooth and painless as possible. Many thanks to Gian and all of his great team!

MP

Marilyn Preuit

5.0

San Diego, CA

Aug 13, 2024

Gian was extremely helpful during the entire process of filing the necessary paperwork to get a loan to purchase a house. He not only was very knowledgeable about the loan process in California but also gave us very useful information about the various financial advantages of investing some of the money we had received from the sale of our previous property verses using it all as a down payment. He was available to answer all the questions we had as we went through the process. He and his staff were excellent to work with!

SM

Scott Marciniec

5.0

San Diego, CA

Aug 13, 2024

Gian was amazing and went above & beyond during our difficult condo transaction to make sure we were able to close. Highly recommend to any buyers looking for their next lender!

AJ

Ali Jishi

5.0

San Diego, CA

Aug 13, 2024

Gian was professional and proactive. Did a great job of staying on top of things early to prevent surprises at the end.

DD

Diana Dabbous

5.0

La Mesa, CA

Aug 13, 2024

Gian is communicative, helpful and when things start to go haywire in the transaction, I can always count on him to come through. Nobody I would rather do a transaction with.

PN

Praveen Nair

4.8

Lake Arrowhead, CA

Jun 14, 2024

Timely, patient and detailed communication and advice from Gian made a long, difficult (because of causes unrelated to the loan process itself) process manageable. Thanks to Gian and his team!

DD

David Dohr

5.0

Spring Valley, CA

Jun 10, 2024

Gian was very knowledgeable and responsive

MP

Martin Pendleton

5.0

San Diego, CA

Jun 10, 2024

Buying a home in this climate is no easy task, and working with the right lender is essential. Gian was responsive, knowledgeable, and delivered results - including a complex second-time VA loan purchase at a great rate. Additionally, his professional communication with the seller conveyed confidence that our team could close the deal quickly and smoothly, helping us win out over other interested buyers. I would definitely recommend Gian to anyone looking to buy a home in Southern California.

BM

Boun Moua

5.0

Ramona, CA

Jun 6, 2024

Gian was great and responsive throughout the process of buying a new home. The communication was great too!

President and CEO - Justin Messer

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."

4.96 of 5.00

Our average client rating. YTD 12/2021 on experience.com

What is your home worth?

Check current market values for your home and view buyer demand.

I'm here to answer all
your mortgage questions

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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 Loans Mortgage is as simple as a conversation. Are you ready to step inside?

Gian Ceretto

Gian Ceretto

Mortgage Consultant

NMLSR: 693569

Learn More