{"id":4914,"date":"2023-03-23T14:50:10","date_gmt":"2023-03-23T14:50:10","guid":{"rendered":"https:\/\/baycoastmortgage.com\/?p=4914"},"modified":"2023-07-18T18:47:22","modified_gmt":"2023-07-18T18:47:22","slug":"eva-gambles-path-to-homeownership","status":"publish","type":"post","link":"https:\/\/baycoastmortgage.com\/en\/insights\/eva-gambles-path-to-homeownership\/","title":{"rendered":"Eva Gamble\u2019s Path to Homeownership"},"content":{"rendered":"
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Insights<\/a><\/div>\n\t\t\t\t\t\t\n\t\t\t
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\t\t\t\tMarch 23, 2023 \n\t\t\t<\/div>\n\t\t<\/div>\n\t \n\t

Eva Gamble\u2019s Path to Homeownership<\/h1>\n\t \n\t
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A Story of Patience and Perseverance<\/div>\n\n\t\t\t \t
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Fifteen years is a long time to wait. Eva Gamble knows this all too well.<\/p>\n\n\n\n

Gamble, a resident of Cranston, Rhode Island, waited 15 long years to finally own the home she had been renting. Her path to homeownership is a personal story of patience and perseverance.<\/p>\n\n\n\n

\u201cThe reason I started renting here was because of a homeownership program through the Cranston Housing Authority, which offered the ability to rent and someday possibly own the property,\u201d said Gamble.<\/p>\n\n\n\n

After more than a decade of renting the same home, Gamble was finally ready to commit to her pursuit of homeownership. It was at that time when she met Yonatan de la Cruz-Mota, Community Reinvestment Act (CRA) Loan Officer for BayCoast Mortgage.<\/p>\n\n\n\n

\u201cCranston Housing offered a program where tenants have the ability to buy the property they\u2019re living in, once they qualify. I put together a proposal, and the city accepted it. That\u2019s when Eva received my contact information and reached out to me,\u201d said de la Cruz-Mota.<\/p>\n\n\n\n

Qualifying<\/em> would prove to be an initial challenge.<\/p>\n\n\n\n

\u201cWe had some work to do with her credit score and income in order for her to qualify for a mortgage,\u201d said de la Cruz-Mota. \u201cI created a step-by-step plan to help her get where she needed to be financially, but it took about one year before she would qualify.\u201d<\/p>\n\n\n\n

\u201cIt was a process, but Yonatan encouraged me by being supportive. He had solutions and said \u2018If you follow my instructions, you will succeed\u2019,\u201d adds Gamble. \u201cYonatan walked me through the process, helping me with strategies to reduce my debt, and had me focus on what I needed to do so I was finally able to qualify. The rest is history.\u201d<\/p>\n\n\n\n

Eva says she is grateful for Yonatan\u2019s guidance, saying she knew he had her back.<\/p>\n\n\n\n

\u201cHe was very knowledgeable, very patient. He was there for me to succeed. I knew that I had help and that I could talk to him when I needed to. He would point things out to me to keep me on the right path.\u201d<\/p>\n\n\n\n

Gamble says the mandatory training program she participated in for first-time homebuyers, which was offered by BayCoast Mortgage, was extremely helpful. \u201cI didn\u2019t know how to go about improving my finances. Yonatan was a blessing. When he offered his support, things fell into place. He helped me succeed, that\u2019s the bottom line,\u201d said Gamble.<\/p>\n\n\n\n

For Yonatan, he says it is a great feeling to know he is helping someone achieve their goals.<\/p>\n\n\n\n

\u201cI feel great. It is an educational process that goes beyond the closing. For Eva, she learned about her finances which helped her to the finish line. Her new financial education will stay with her for years to come. It feels good to be a small part of that final result.\u201d<\/p>\n\n\n\n

Adds Gamble, \u201cI would not be here owning this home if it weren\u2019t for Yonatan and BayCoast Mortgage. Once Yonatan started helping me, my FICO score just shot up because he told me what to do and how to do it.\u201d<\/p>\n\n\n\n

The first-time homebuyers program, which helped Eva, is a unique product offered by BayCoast Mortgage.<\/p>\n\n\n\n

De la Cruz-Mota says, \u201cBayCoast created a first-time homebuyer program specifically to help the Low-to-Moderate Income (LMI) community within our footprint. Because it is our own program, it can be flexible and accommodate exceptions when needed to assist the borrower. Thanks to the flexibility of this program, we were able to make an exception to help Eva. That was a big part of being able to get this done. Our tools and resources, along with my passion to help people and our communities, made this transaction possible. I\u2019m very happy to see Eva fulfill her dream of homeownership.\u201d<\/p>\n\n\n\n

It is this passion to help people that inspired Eva to expand her relationship with the BayCoast family of services.<\/p>\n\n\n\n

\u201cI am very pleased with the personalized service offered by Yonatan, so much so, that I went and opened up an account at BayCoast Bank,\u201d notes Gamble. Adds de la Cruz-Mota, \u201cShe also sent other family members over to me.\u201d<\/p>\n\n\n\n

\u201cI have two nieces and I recommended that they go and see Yonatan,\u201d notes Gamble. \u201cI know they will succeed in their homeownership goals, just like I did.\u201d<\/p>\n\n\n\n

Evelyn Ranone, FVP, CRA Officer for BayCoast Bank says Eva\u2019s story is the perfect example of BayCoast\u2019s strong belief in doing good work for the people of our community. \u201cKudos to Yonatan and the work he does. To me, he is not just a loan originator, he is a dedicated and compassionate person.\u201d<\/p>\n\n\n\n

\u201cAt BayCoast, we take the initiative to get to know our customers \u2013 who the person is behind the name and what their true needs are. Building that relationship is so important,\u201d adds Helena Moronta, FVP, DEI Officer for BayCoast Bank. \u201cIf we didn\u2019t do that, how would we, as a bank, be successful and honor our mission and commitment to serve our communities? For BayCoast to create a mortgage product to help our LMI community, and to have Yonatan work with this individual for over a year to get her where she needed to be to make this purchase, that\u2019s what we try to do. We may not always be able to say yes today, but we will try to find a way for you tomorrow. Yonatan is a great example of that.\u201d<\/p>\n\n\n\n

\u201cStories like Eva\u2019s are why our CRA Loan Officers choose this career,\u201d adds Ranone. \u201cTo be able to change someone\u2019s life by saying \u2018I\u2019m going to show you strategies that may help you buy your own home\u2019 is truly amazing. BayCoast is here to help our community. That\u2019s why we say our community is our family.\u201d<\/p>\n\n\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

Gamble, a resident of Cranston, Rhode Island, waited 15 long years to finally own the home she had been renting. Her path to homeownership is a personal story of patience and perseverance.<\/p>\n","protected":false},"author":9,"featured_media":4919,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[2],"class_list":["post-4914","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insights"],"acf":[],"featured_image_urls_v2":{"full":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2023\/03\/BCM-Eva-Gamble-Resource-Photo.jpg",1573,920,false],"thumbnail":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2023\/03\/BCM-Eva-Gamble-Resource-Photo-150x150.jpg",150,150,true],"medium":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2023\/03\/BCM-Eva-Gamble-Resource-Photo-300x175.jpg",300,175,true],"medium_large":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2023\/03\/BCM-Eva-Gamble-Resource-Photo-768x449.jpg",768,449,true],"large":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2023\/03\/BCM-Eva-Gamble-Resource-Photo-1024x599.jpg",1024,599,true],"1536x1536":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2023\/03\/BCM-Eva-Gamble-Resource-Photo-1536x898.jpg",1536,898,true],"2048x2048":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2023\/03\/BCM-Eva-Gamble-Resource-Photo.jpg",1573,920,false],"gform-image-choice-sm":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2023\/03\/BCM-Eva-Gamble-Resource-Photo.jpg",300,175,false],"gform-image-choice-md":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2023\/03\/BCM-Eva-Gamble-Resource-Photo.jpg",400,234,false],"gform-image-choice-lg":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2023\/03\/BCM-Eva-Gamble-Resource-Photo.jpg",600,351,false]},"post_excerpt_stackable_v2":"

Gamble, a resident of Cranston, Rhode Island, waited 15 long years to finally own the home she had been renting. Her path to homeownership is a personal story of patience and perseverance.<\/p>\n","category_list_v2":"Insights<\/a>","author_info_v2":{"name":"Katheryn Nogueira","url":"https:\/\/baycoastmortgage.com\/en\/author\/knogueira\/"},"comments_num_v2":"0 comments","publishpress_future_action":{"enabled":false,"date":"2026-04-28 13:26:00","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/baycoastmortgage.com\/en\/wp-json\/wp\/v2\/posts\/4914","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/baycoastmortgage.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/baycoastmortgage.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/baycoastmortgage.com\/en\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/baycoastmortgage.com\/en\/wp-json\/wp\/v2\/comments?post=4914"}],"version-history":[{"count":0,"href":"https:\/\/baycoastmortgage.com\/en\/wp-json\/wp\/v2\/posts\/4914\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baycoastmortgage.com\/en\/wp-json\/wp\/v2\/media\/4919"}],"wp:attachment":[{"href":"https:\/\/baycoastmortgage.com\/en\/wp-json\/wp\/v2\/media?parent=4914"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baycoastmortgage.com\/en\/wp-json\/wp\/v2\/categories?post=4914"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}