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Lauren
Gurley

Mortgage Advisor
NMLS #1415251

I have a young and energetic spirit which is evident with my clients as we conquer each step of the loan process. I am excited to bring my creativity, tech skills, and passion to the Commerce team. I absolutely love working and interacting with people, especially as they embark on the exciting adventure of homeownership.

I am recently engaged and we are planning our dream wedding! Outside of wedding planning and work you can me catch me spending time outdoors hiking, kayaking and playing with our dogs!

  • Branch: Newport Beach
    450 Newport Center Drive Suite 200
    Newport Beach, California 92660
    Direct: 949-258-9938
    Fax: 949-430-5166
    Email:
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Recent Posts

  • by Keeping Current Matters
    September 01, 2017

    Don’t Disqualify Yourself… 52% of Approved Loans Have A FICO® Score Under 750 | MyKCM

    The results of countless studies have shown that potential home buyers, and even current homeowners, have an inflated view of what is really required to qualify for a mortgage in today’s market.

    One such study by the Wharton School of Business at the University of Pennsylvania revealed that many millennials have not yet considered purchasing homes simply because they don’t believe they can qualify for a mortgage.

    A recent article about millennials by Realtor.com explained that:

    About 72% of aspiring millennial buyers said they’re waiting because they can’t afford to buy…

    The article also explained that 29% of millennials believe their credit scores are too low to buy.The problem here is the fact that they think they will be denied a mortgage is keeping them from even attempting to apply.

    Ellie Mae’s Vice President Jonas Moe encouraged buyers to know their options before assuming that they won’t qualify for a mortgage:

    “Many potential home buyers are ‘disqualifying’ themselves. You don’t need a 750 FICO® Score and a 20% down payment to buy.”

    So, what credit score is necessary?

    Below is a breakdown of the FICO® Score distribution of all closed (approved) loans in July from Ellie Mae’s latest Origination Report.

    Don’t Disqualify Yourself… 52% of Approved Loans Have A FICO® Score Under 750 | MyKCM

    Over 52% of all approved loans had a FICO® Score under 750. Many potential home buyers believe that they need a score over 780 to qualify.

    Bottom Line

    If owning a home of your own has always been your dream and you are ready and willing to buy, or if you are a homeowner who wants to move up, find out if you are able to! Let’s get together to determine if your dreams can become a reality sooner than you thought!

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