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Hi! I'm Gian...
Your Mortgage Consultant!

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

Gian Ceretto

Mortgage Consultant

NMLS: 693569

Address: 516 5th Avenue, San Diego, CA, 92101

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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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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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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Divorce attorney

Divorce attorney

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Know Your Monthly Mortgage Payment

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Total Cost Of Mortgage, $
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What my clients say...


Candace Susan Cannon


Vista, CA

Feb 25, 2024

Gian is very knowledgeable with all the products Prosperity offers. My client was very happy with the service she received over a very long time. It took us several offers to finally find the perfect home for her. Gian maintained contact and updated her file when needed. In the beginning my client asked for a lower loan amount and did not understand that she should have asked for the amount she could qualify for. That did cause some complication's. I wish Gian had explained to her that she did not need to use all that she qualified for but, could take a lesser loan amount. I was not informed that she only asked to be approved for X$’s until later. She eventually realized that she needed to know what she could qualify for and eventually we ended up needing to go for a higher loan to get the property she wanted. In the end the process went smoothly. I would use and refer future clients to Gian. Candace Cannon


Shen Huang


San Diego, CA

Jan 29, 2024

Gian was very responsive, professional, and knowledgeable. As a first time homebuyer, I appreciate his patience and expertise to guide me through the process.


Nabil Ayub


San Bernardino, CA

Jan 17, 2024

Great Communication and very friendly


Miriam Lev


San Diego, CA

Jan 11, 2024

Gian was always available to answer any questions we had


Chiara Nicoletti


Spring Valley, CA

Jan 4, 2024

Gian was always available to answer our questions, we felt very confident about the whole loan application process thanks to him


Blake Ellsworth


Madera, CA

Dec 11, 2023

Gian was very helpful and informative during the loan process. We are grateful for his efforts to help us purchase our new home and will be sure to use him again in the future.


Jeremy Sherman


San Marcos, CA

Nov 8, 2023

Gian was communicative, helpful, friendly, and patient. As a first-time home buyer, we appreciated his willingness to walk us through the complicated process of getting a mortgage.


Billy Parker


Temecula, CA

Oct 24, 2023

Gian is a true expert and professional in his industry, great communicator and supportive each step of the way.


Nelson S. White


Bonita, CA

Oct 24, 2023

Gian is an outstanding communicator both with me as the agent and with the buyers I represented. His immediate response to approval letters when I was writing offers lead to the closing of this escrow. Gian is my first call when working with buyers and my first recommendation to the buyers’s agent when I represent sellers. I look forward to many more escrows in the future and will always trust Gian to bring the required financing. Simply the best at navigating the complex business of real property finance. Thank you Gian, Nelson White Associate Broker Berkshire Hathaway HomeServices California Properties


Peter Lindner


San Diego, CA

Oct 22, 2023

Gian was outstanding at guiding us through the mortgage process. We did our due diligence looking for the best mortgage deal and Gian was able to find us the best deal of all. I truly appreciate his support and professionalism.


Art Lewis


San Diego, CA

Oct 17, 2023

Always good working with Gian - he gets the job done, and done on time - he also snagged this loan away from another lender.


Nadia Sinno


San Marcos, CA

Oct 2, 2023

Prompt responses, professional, very knowledgeable, extremely helpful, patient


Ryanne Mento


San Pedro, CA

Oct 1, 2023

Excellent communication. Gian works around the clock to make it happen and close on time.


Joseph Mento


San Pedro, CA

Sep 28, 2023

Gian’s constant communication


Vincent John Vitale


San Pedro, CA

Sep 26, 2023

Gian was professional at every aspect of the escrow. His experience with residential real estate and his personal connection with the client make for the perfect lender partner for all realtors and clients that I work with. I recommend Gian to anyone who is looking to purchase a property!


Roger Kaehler


San Diego, CA

Aug 24, 2023

Gian's professionalism and attention to details. Especially great was his immediate response to emails, texts and phone calls. It was a great experience working with him.


Andrea Balzano


Oceanside, CA

Aug 22, 2023

Gian patiently answered every question I had about my mortgage and I never felt like he didn't have time for me. He was responsive and explained things clearly.


Sierra Allegra


San Diego, CA

Aug 12, 2023

Gian and his team are great! He made the process super easy and made the process very smooth.


James Schlosser


San Diego, CA

Aug 4, 2023

Very communicative, patient and clear on next steps and expectations.


Tara Schlosser


San Diego, CA

Aug 2, 2023

Gian was so helpful from the start. He always took the time to answer all of our questions and we really appreciate everything he has done for us. Thank you Gian! :)

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

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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

NMLS: 693569

Learn More