Donna Lewis at Rate

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Donna Lewis at Rate Donna Lewis, Branch Manager, SVP of Mortgage Lending, NMLS 245945
at Guaranteed Rate, Inc. DBA Rate NMLS 2611
3940 N.

Ravenswood Avenue, Chicago, IL 606113
(866) 934-7283 | rate.com | Equal Housing Lender

10/17/2026

🏡✨ Calling all first-time homebuyers! ✨🏡
Brand-new construction at Avila Ranch in San Luis Obispo, and it’s a Below Market Rate home! 🙌
📍 3 bedrooms | 1.5 baths
💰 $738,031
🏷️ Below Market Rate for households whose income meets the City of SLO Workforce Income limits
And it gets better 👇
💵 $20,000 in down payment assistance comes with the home!
📉 Builder-paid 2-1 buydown: your rate is 2% lower in year 1 and 1% lower in year 2, then it settles into the long-term note rate from year 3 on.
🎉 That subsidy saves you more than $15,000 in your first 3 years of homeownership!*
Opportunities like this don’t come around often. If you’ve been dreaming of owning in SLO, this could be your moment! 🔑💛
📲 DM me or comment “AVILA RANCH” to see if you qualify!

Donna Lewis | SVP of Mortgage Lending | NMLS #245945
🏠 Equal Housing Opportunity

10/17/2026

Things are looking up…

✨1138 Marsh St, San Luis Obispo, CA 93401✨⁠💰 $3,500,000🛏️ 3 Beds | 🛁 5 Bath | 📐 3,376 Sq Ft⁠📍Listed by: Central Coast So...
10/16/2026

✨1138 Marsh St, San Luis Obispo, CA 93401✨⁠
💰 $3,500,000
🛏️ 3 Beds | 🛁 5 Bath | 📐 3,376 Sq Ft⁠
📍Listed by: Central Coast Sotheby's International Realty

Classic brownstone architecture meets sophisticated contemporary living at 1138 Marsh Street, one of just seven residences in the exclusive Marsh Street Brownstones collection. Situated in the heart of downtown San Luis Obispo, this exceptional residence offers a rare combination of architectural distinction, refined interiors, and an extraordinary rooftop entertaining experience. Thoughtfully designed across multiple levels, the home features expansive, light-filled interiors, elevated finishes, and inviting spaces that balance everyday comfort with effortless entertaining.

The open-concept design connects the kitchen, dining, and living areas, providing an ideal setting for intimate gatherings and larger celebrations. Offering three bedrooms, each with an en suite bathroom, and two powder rooms, the residence provides exceptional versatility and privacy.

A first-floor bedroom suite with its own private entrance and kitchenette creates an ideal retreat for guests or extended stays. A private elevator provides convenient access between levels, while an attached two-car garage offers the practicality and security of private parking in the heart of downtown. The home's crowning feature is its spectacular, nearly 900-square-foot rooftop terrace—an extraordinary outdoor retreat overlooking downtown San Luis Obispo, with scenic views extending toward San Luis Mountain.
Just moments from downtown's celebrated restaurants, cafes, boutiques, and cultural attractions, 1138 Marsh Street offers an exceptional opportunity to experience the best of San Luis Obispo living. Combining timeless architectural character, contemporary luxury, and an unparalleled indoor-outdoor lifestyle, this distinctive residence represents a special offering in one of the Central Coast's most desirable communities.

📲 Ready to explore this listing?⁠
Connect with Chris Richardson
Mobile: (805) 801-9091
Email: [email protected]

What the same $26,000 could get you in two different circumstances. 👀When negotiating on a home, buyers may have options...
10/15/2026

What the same $26,000 could get you in two different circumstances. 👀
When negotiating on a home, buyers may have options beyond a price reduction. A 2-1 buydown can lower your monthly mortgage payment during the first two years of homeownership.

That means more breathing room in your budget during those first couple of years, when moving expenses, furnishing your home, and settling in can add up! ⬆️
Depending on your goals, a price reduction or a 2-1 buydown could make sense. And in today's market, seller concessions may help make a buydown possible.
Curious which option could work best for you? Let's talk!

Donna Lewis | SVP of Mortgage Lending | NMLS #245945
🏠 Equal Housing Opportunity

10/15/2026

Sometimes the small signs around your home point to a bigger question. Does your space still work for you? Whether you’re thinking about more space, a different setup or what comes next, I can help you explore financing options. If updating your home is part of the plan, a Rate Home Equity Line of Credit (HELOC) can help fund improvement projects. Or if life is leading you elsewhere, I could help you explore homebuying options.

Let’s plan for your next chapter together.
https://myoc.io/iWn843Oo2bR/GcyAC



NMLS # 245945

10/14/2026

Did you get this riddle right? While the answer gets a lot of attention, it’s only one piece of the larger mortgage puzzle. Discover the other numbers and details worth considering in our guide, or speak with me to better understand the big picture.
https://myoc.io/iWn843Oo2bR/sJthZ



NMLS # 245945

September home sales were mixed, with sales increasing in the South and West, holding steady in the Midwest and declinin...
10/14/2026

September home sales were mixed, with sales increasing in the South and West, holding steady in the Midwest and declining in the Northeast compared to last month. Year-over-year sales are down in all four regions, but many buyers are still entering contracts thanks to a 1.9% increase in inventory.

Want to know how to make the most of this evolving market? Let’s talk.
https://myoc.io/iWn843Oo2bR/mgjiC



NMLS # 245945

10/13/2026

Loved spending time with Rate Top Producers & Leadership in Playa del Carmen this past week. I’m so grateful for these opportunities…the 🍒 cherry on top of a year of hard work, where each of us sets goals and strives to achieve amidst a lot that’s out of our control in this crazy business!

What you don’t see are the many people behind the scenes that make all of this happen. Dylan Morrow & McKenlee Bryan…thank you for all you do…you bring joy everyday to the work we do and I wouldn’t do it with anyone else! And big thanks 🙏🏻 to our processing teams, underwriters, closers & funders, condo team and builder division Jim Colella …we can’t do any of this without your hard work and support!

And there are so many amazing people on our leadership team who support us in immeasurable ways, pushing us to be our best while they push themselves. Thanks to Shant Banosian | #1 Mortgage Originator and President of Rate, the nations top loan originator, for finding time to lead, inspire and push us all.

2025 was amazing, 2026 will close out even better, and I can’t wait to see what 2027 has in store! We are grateful for each and every one of our clients, referral partners and industry partners who support us and make our success possible.

❤️

10/10/2026

Mortgage rates had their best week in a while, falling to the lowest levels in 2 weeks. Most of the recent increase is still intact, but investors showed more interest in buying bonds, which helps push mortgage rates lower.

A rare opportunity to own at a BELOW MARKET RATE price in Avila Ranch!Homesite #322 at 296 Memphis Belle Way is being o...
10/09/2026

A rare opportunity to own at a BELOW MARKET RATE price in Avila Ranch!
Homesite #322 at 296 Memphis Belle Way is being offered at a below-market price to an eligible Workforce Household — and qualified buyers may also receive $20,000 in down payment assistance.

Here’s what you need to know:
✨ 3 bedrooms | 2 baths | 1,169 sq. ft.
💰 $738,031
📍 Avila Ranch — Homesite #322
💵 $20K Down Payment Assistance — silent second, no monthly payment; repaid when the home is sold and accrues 3% simple interest
📅 Estimated completion: November 2026

Household income limits:
• 1 person: $140,640
• 2 people: $160,800
• 3 people: $180,880
• 4 people: $200,960
• 5 people: $217,040
• 6 people: $233,120

A few important details: This home has a 10-year deed restriction, meaning it must be resold to another eligible Workforce Household during that period. After 10 years, the restriction expires.

Interested in seeing if you qualify? Reach out to start your pre-approval and learn more — opportunities like this don’t come around often!

📩 Donna Lewis | Branch Manager, Team SLO

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️Applicant subject to cr...
09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http:/...
07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/13/2026

Pause your scroll. There are no sounds like home.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6184v0dEs. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Address

1065 Higuera Street , Suite 100
San Luis Obispo, CA
93401

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18053358743

Website

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