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GIA YOUNG, MBA
GIA YOUNG, MBA
MORTGAGE LOAN ORIGINATOR
TEXAS NMLS #1982857
With over a decade of experience in the financial services sector, I bring a deep commitment to meeting each client's needs by thoroughly exploring all loan options and crafting effective strategies. My goal extends beyond simply offering the loan choices; I strive to ensure that every client fully grasps the process and feels confident in their decision-making.
With over a decade of experience in the financial services sector, I bring a deep commitment to meeting each client's needs by thoroughly exploring all loan options and crafting effective strategies. My goal extends beyond simply offering the loan choices; I strive to ensure that every client fully grasps the process and feels confident in their decision-making.
POWERED BY
12230 El Camino Real Sute #100 | San Diego, CA 92130
Co NMLS #135622 | C2 TX #135622
Support Phone: 858-736-0010
| about gia
| about gia
WHAT GOT YOU STARTED?
When I was expecting my first child, I was determined to welcome him into a stable and secure home. Throughout the journey of purchasing my first property, I encountered three loan denials. Rather than accepting defeat, I actively sought clear explanations, studied current lending guidelines, and worked closely with my Mortgage Loan Originator to resolve each challenge. My persistence ultimately led to a successful approval.
PURPOSE MEETS PASSION...
PURPOSE MEETS PASSION...
This transformative experience ignited my passion for the mortgage industry and inspired me to become a Mortgage Loan Originator. Today, I specialize in assisting individuals who have previously been denied financing, as well as those with unique or complex financial situations. Finding creative, viable solutions is my expertise. My personal journey drives my commitment to ensuring that no client is unfairly denied the opportunity to achieve homeownership.
| services
| services
WORK WITH GIA
WORK WITH GIA
"As a realtor, I know a lender like Gia is hard to find. I am grateful to have her as one of my preferred lenders. She is VERY communicative and will go above and beyond to make sure the loans close. Her committment to a great customer experience is what keeps me referring my clients to her, now and forever. "
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Ashlynn G.
Realtor Partner
Houston, Texas
HOMEBUYERS
HOMEBUYERS
I have access to first-time home buyer programs that help buyers become property owners through the assistance of covering down payment costs. In addition to non-QM products that tailor to the needs of borrowers with unique credit and income situations such as self-employed, foreign buyers, buyers with blemished credit history (prior bankruptcy, foreclosures, or not enough credit history), and borrowers with considerable assets.
INVESTORS
INVESTORS
I know the importance of making sure the numbers make sense in a real estate deal. One of the most important factors impacting profitability are the financing costs. I work with multiple lenders who offer hard money and non-QM products tailored to the needs of real estate investors. I have the ability to shop amongst 100+ hard money lenders to match investors with loan products that will fit their real estate financing needs.
PARTNERSHIPS
PARTNERSHIPS
The process of closing a loan requires a lot of communication. Communication is a top priority and the foundation of my partnerships. I want to earn your trust through the commitment of helping your clients achieve their financing needs while providing quality service.
LOAN PROGRAMS
LOAN PROGRAMS
For more precise loan products from the list of the programs that are offered, please contact me for additional information. Licensed RMLO for the states of Texas. Commercial brokering servicing offered in 35+ states.
As a broker, C2 Financial Corporation is NOT individually approved by the FHA or HUD, but C2 Financial Corporation is allowed to originate FHA loans based on their relationships with FHA approved lenders.
Residential
Residential
FHA Mortgage Loans
VA Mortgage Loans
Conventional Mortgage Loans
Refinance Mortgage Loans
Reverse Mortgage Loans
Construction Loans
Home Equity Loans
Jumbo Loans
Hard Money Loan
Non-QM Loan Products
The services referred to herein are not available to persons located outside the state of Texas.
Commercial
Commercial
Offering purchase and refinance loans for commercial properties in 35+ states across the nation.
SBA Loans
Multi-Family Loans (5+ units)
Retail Center Loans
Office Building Loans
Industrial Warehouses Loans
Self-Storage Loans
Assisted Living Facility Loans
Special/Mixed-Use Property Loan
Church Loan Products
The provided list is a portion of loan products that are offered. Please feel free to submit your scenario below.
| faqs
| faqs
FREQUENTLY
FREQUENTLY
ASKED MORTGAGE QUESTIONS
ASKED MORTGAGE QUESTIONS
WHAT IS THE DIFFERENCE BETWEEN A PRE-APPROVAL AND PREQUALIFICATION?
WHAT IS THE DIFFERENCE BETWEEN A PRE-APPROVAL AND PREQUALIFICATION?
A prequalification is simply a conversation between you and loan originator regarding your financials, assets, down payment, and any other information that is essential for the preapproval phase. A preapproval includes all the steps of a full approval, except for the appraisal and title search that is done during the final underwriting period.
WHAT WILL MY CLOSING COST BE?
WHAT WILL MY CLOSING COST BE?
There is no set amount for closing costs. Closing costs includes a variety of fees and expenses you pay when you secure a loan. These costs generally varies between 3%-6% of the loan amount.
WHAT ARE POINTS?
WHAT ARE POINTS?
Also known as discount points, are fees paid to the lender in exchange for a reduced interest rate. 1 point = 1% of loan amount
WHAT DOES THE LOAN PROCESS CONSIST OF?
WHAT DOES THE LOAN PROCESS CONSIST OF?
There are essentially 10 steps to the typical loan process of purchasing a home:
Step 1: Pre-Qualification
Step 2: Mortgage Programs and Rates
Step 3: The Application
Step 4: Pre-Approval
Step 5: The Loan Estimate Review
Step 6: The Intent to Proceed
Step 7: Processing
Step 8: Underwriting
Step 9: Closing Disclosure Review
Step 10: Closing
| testimonials
| testimonials
WHAT CLIENTS SAY
WHAT CLIENTS SAY
"I had the opportunity to work with Gia and I was extremely impressed with her level of professionalism. She was very prompt, thorough, and suportive throughout the entire process. A wonderful person to conduct business with and I look forward to working with her again in the future. "
MARSHA S.
MARSHA S.
"You will LOVE Gia! She is professional, responsive, knowledgeable and extrememly patient. She gives you all the information up front to make an informed decision and did I mention she is patent? I would highly recommend her for your mortgage needs."
ANTOINETTE B.
ANTOINETTE B.
"Gia has been very professional, supportive, and helpful throughout my home purchse process. I will highly recommend her to anyone that is in the market to purchase a home."
VICTOR O.
"Gia Young is a very good person loves what she do. Very helpful. And very knowledgeable. I have told a few people about her meaning when they are ready to buy a house contact her to assist. Very patient also. She helped me in areas where I didn't know what I was doing. So thank you Ms. Gia Young."
CORTEZ T.
CORTEZ T.
IF WE'VE HAD THE PLEASURE OF WORKING TOGETHER
I’d love to hear about your experience.
| contact
| contact
GET CONNECTED
GET CONNECTED
I actively engage in events, webinars, and collaborative efforts to support individuals in reaching their real estate goals.
LET'S BE FRIENDS ON INSTAGRAM!
For the latest mortgage news, tips, loan program highlights, and more.
It takes the right information and the right mortgage & real estate team to purchase in today's market.
GIA YOUNG, MBA
GIA YOUNG, MBA
MORTGAGE BROKER
RMLO Licensing:
Texas | NMLS #1982857
Commercial Lending States:
35+ States
Helpful Links
TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.
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