Trish Luna-dealva Mortgage Originator at Guaranteed Rate NMLS 1561277

Trish Luna-dealva Mortgage Originator at Guaranteed Rate NMLS 1561277 I am a Mortgage Originator at Guaranteed Rate, Inc. dba Rate. Personal NMLS #1561277. Guaranteed Rate #2611.
3940 North Ravenswood, Chicago IL, 60613

A mortgage company who grows for good. We believe you’re amazing and can do anything you want in the world. Believe you can and you will. For licensing information, go to www.nmlsconsumeraccess.org | www.rate.com/licensing

With 10 years in the mortgage industry and 10 years in Financial Planning, I understand each person's financial situation is unique. Always looking at the big picture, I will work closely with you to determine the short-term benefits of a product as well as the long-term impact on your financial life. Whether you are purchasing a new home or refinancing your current one, I will spend the time to go over all the details and help you find the right mortgage at the right time for you and your family. My goal is to provide a level of service and personalized care that inspires you to return to me for all your mortgage needs. The highest compliment I can receive is your confidence in referring me to your family, friends and coworkers.


3940 North Ravenswood, Chicago IL, 60613

09/24/2026

Buying a home is a team effort. Behind every successful closing is a dedicated group collaborating to achieve the same goal. From you (the buyer) to me (the Loan Officer) and everyone in between, each player takes care of an important role. If you have questions about the homebuying process, I’m happy to discuss them further.

Let’s kick this off together.
https://myoc.io/fqUioqa1hiR



NMLS # 1561277

09/23/2026

Your rental income can qualify you for a loan on its own, no tax returns required. A DSCR loan is built for real estate investors who want financing based on what their property earns. Down payment options start at 20%, with loans up to $3M and the option to close under an LLC.

Ready to see what your property could qualify for? Let's talk.
https://myoc.io/fqUioqa1hiR/c7CJ3

NMLS # 1561277

09/22/2026

Buying a home may be a long-term investment, but it could pay you back over time through equity. While renting may seem like the “easy route,” it may be preventing you from achieving financial goals down the line.

Thinking about putting your money toward something you’ll actually own? Let’s talk about your options.
https://myoc.io/fqUioqa1hiR/lSSPQ



NMLS # 1561277

Buyers are still steadily entering contracts, even with mortgage rates higher than a year ago. Pending home sales in spe...
09/18/2026

Buyers are still steadily entering contracts, even with mortgage rates higher than a year ago. Pending home sales in specific markets still show an increase with stronger buying power created by job gains and income growth.

Understanding the market is the first step. Let’s talk about how to make your next move with confidence.
https://myoc.io/fqUioqa1hiR/NQ14n



NMLS # 1561277

Start. Your. Engines. We’re maximizing your buying power with increased conforming loan limits available NOW. Questions?...
09/17/2026

Start. Your. Engines. We’re maximizing your buying power with increased conforming loan limits available NOW.

Questions? Let’s chat.
https://myoc.io/fqUioqa1hiR

NMLS # 1561277

Today’s decision creates new opportunities … as long as you know how to approach the market. A rate increase isn’t neces...
09/17/2026

Today’s decision creates new opportunities … as long as you know how to approach the market. A rate increase isn’t necessarily a bad thing since it could lead to more inventory and less competition. With fewer homebuyers out there, motivated sellers may be more flexible at the offer table.

If you’ve been on the hunt for a new home, let’s talk about how you could use these conditions to your advantage.
https://myoc.io/fqUioqa1hiR/TKuf4



NMLS # 1561277

09/16/2026

Don’t let the 20% myth stop you. In reality, your down payment may surprise you. I can help you evaluate your options based on your specific circumstances to determine what’s right for you.

Ready to get to the bottom of more mortgage myths?
https://myoc.io/fqUioqa1hiR/iX7z7



NMLS # 1561277

09/15/2026

You don’t always need to put 20% down. While PMI (Private Mortgage Insurance) is often required on certain loans, it’s also a powerful tool that can help qualified buyers purchase their home sooner, without having to wait and save up for a larger down payment. The more you know, the more options you have.

Ready to expand your homebuying vocabulary?
https://myoc.io/fqUioqa1hiR/p3oX4



NMLS # 1561277

If you’re looking to buy a house, the market is shifting in your favor. Decreased existing-home sales means more invento...
09/10/2026

If you’re looking to buy a house, the market is shifting in your favor. Decreased existing-home sales means more inventory, which creates homebuyers have better opportunities to negotiate.

Let’s talk if you’re looking to head to the offer table with some serious leverage.
https://myoc.io/fqUioqa1hiR/GvTLX



NMLS # 1561277

09/09/2026

When planning to enter the housing market, prioritize your personal situation, not a calendar. While spring is a popular time to shop for homes, you may be overlooking some major advantages that fall brings.

Let’s discuss a plan that makes sense for you based on your unique situation.
https://myoc.io/fqUioqa1hiR/p6ksg



NMLS # 1561277

Address

3940 North Ravenswood
Oceanside, CA
60613

Opening Hours

Monday 8am - 5:30pm
Tuesday 8am - 5:30pm
Wednesday 8am - 5:30pm
Thursday 8am - 5:30pm
Friday 8am - 5pm

Website

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