Ray Avanzino (Stearns Lending) Mortgage and Lending



Ray Avanzino
location_on San Mateo, CA — Stearns Lending
NMLS # 288504
Get to Know Ray Avanzino

My focus is to help my mortgage clients build and protect wealth by better managing their home equity and personal cash flow. Many homeowners have become frustrated and confused with the number of choices in today's mortgage market and the lack of both ethics and financial knowledge among many mortgage providers. Today life expectancy is higher than ever before; health care costs are skyrocketing; pensions are shrinking; social security is uncertain, and corporate America has gone through one bankruptcy after another.


Today's mortgage market can be a dangerous place for some consumers with  real estate markets experiencing signs of a "instability"and "exotic" mortgages representing a greater market share than ever before. These signs point to the fact that homeowners and buyers need expert advice on how to manage their mortgage, cash flow and home equity. This trend toward expert mortgage advice is growing in popularity.

My mission is to incorporate five essential skill sets including:

· Financial market and interest rate analysis · Cash flow analysis · Debt analysis · Real estate equity management · Real estate investment analysis

I look forward to talking with you about your mortgage needs.

Guaranteed Rate, Inc. NMLS 2611 3940 N. Ravenswood Ave., Chicago, IL 60613 (866) 934-7283 • Equal Housing Lender For licensing information, go to nmlsconsumeraccess.org Licensed by The Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act




We offer a variety of home loan solutions including first-time homebuyer programs with down-payment assistance, FHA and VA, conventional, jumbo and super jumbo, and more! This means you can rest assured that we'll provide you with a competitive loan that meets your unique needs.

I have a team of professionals that can assist in the real estate, tax, estate and finance and insurance area's. 


As one of the nation's largest independent residential retail lenders, Stearns Lending has greater control over your transaction and is able to quickly approve and close loans in-house.