Larry Gavett

Larry Gavett - Loan Officer
(NMLS License #:133735)
Union National Mortgage Co. (#2229)

Do you need...

- a loan officer with experience?
- a loan officer who works with multiple investors?
- someone who stands by what they say?
- someone you can trust?
- a loan officer responsive to your calls and questions?
- someone who can structure a transaction so that it is in line with your short and long-term financial goals?
- Look no further - you've found the person who can help you with all your mortgage related needs and questions!Who I can help:

First time home buyers
Move up buyers
Refinance clients
For Sale by Owner buyers/sellers
Home buyers looking to get pre-approved for a mortgage.
Clients with tarnished credit who are looking for advice on how to get back on track.

Types of Mortgages for:

- Residential Home Purchases
- Residential Refinances
- Investor Purchase/Refinance
- Multifamily 1-4 Family Purchase/Refinance
- For Sale by Owner Purchases

Loan Products Available:

- Fixed Rate Mortgages
- FHA Mortgages
- VA Mortgages
- Rural Development Loans (aka RD Loans)
- PHFA “bond money” loans
- Adjustable Rate Mortgages
- Jumbo Loans

This is why I love what I do:

“I appreciate all you did for my Mom. If not for your hard work and determination she would not have had the opportunity to open a new door for her life. You are truly an asset to your company in so many ways.” - Maria A. of Bethel Park

“I just wanted to send you a little email thanking you for all your help with buying the house. We closed yesterday!!! Justin and I are both so excited. You really made the process painless and easy to understand. Thank you again for all your help.” - Stacy S. of Pittsburgh

More Testimonials

Current Mortgage News:

Housing Crisis Needs Localized Approach, Not "One Size Fits All" Solution

9/7/2010 1:58 PM

Posted To: MND NewsWire

Eric Rosengren, president of the Federal Reserve Bank of Boston, told attendees at a Federal Reserve sponsored conference on REO and Vacant Property Strategies for Neighborhood Stabilization last Thursday that there may not be a single solution for the housing market as the effects of financial cri...Read More

Rates Retrace Late Week Losses. Lost Rebate Restored

9/7/2010 10:45 AM

Posted To: MBS Commentary

Good Morning. I hope everyone had a safe and sound Labor Day weekend. I for one feel re-energized following a three day stay in State College, PA (PSU). The weather was perfect, we blew out Youngstown State, and I escaped the bike trails unscathed. Mission accomplished! Welcome bac...Read More

Zero-Down Payment Programs; New FHA Mortgagee Letter; Does the Value of Servicing Warrant Retaining It?

9/7/2010 10:19 AM

Posted To: Pipeline Press

Much of life is a balancing act. For example, I eat my Captain Crunch with only low-fat milk because I wouldn't want unnecessary calories. Underwriting is also a balancing act, matching the risk of the borrower being able to make payments with the desire for the lend...Read More

The Week Ahead: Beige Book, Treasury Auctions, Trade Balance

9/7/2010 7:41 AM

Posted To: MBS Commentary

September began on a strong note last week as the Dow jumped almost 3%, or 297 points. Whether the strength continues this week could depend on the Federal Reserve’s assessment of the economy (Wednesday) and trade balance figures (Thursday), but there isn't much data on tap s...Read More

How Did The Employment Report Affect Mortgage Rates?

9/3/2010 3:38 PM

Posted To: Mortgage Rate Watch

It is the first Friday of the month and that brings us the official government report on the labor market: The Employment Situation Report. This release provides four headline measures on the health of the jobs sector. Nonfarm Payrolls: totals the number of jobs that were added to ...Read More

All Signs Point to Higher Rates in Week Ahead

9/3/2010 11:48 AM

Posted To: MBS Commentary

NFP has come and gone, let's see where things stand.... The October delivery FNCL 4.0 is -0-09 at 102-15. In the chart below I called attention to a few technical inflection points. The ascending trend channel that helped mortgage rates hit new lows on Wednesday has broken down and...Read More

FHFA Establishes New Housing Goals for GSEs

9/3/2010 9:44 AM

Posted To: MND NewsWire

The Federal Housing Finance Agency (FHFA), conservator of Freddie Mac and Fannie Mae (the Enterprises) has established its final housing goals for the Enterprises in 2010-2011. FHFA is required by the Housing and Economic Recovery Act of 2008 (HERA) to set such goals for targeted segments of the mo...Read More

Banks Prefer Cash Buyers in REO Sales; Freddie Mac Streamline Refi Program; Originator Capacity Constraints; Comments on Property Flipping

9/3/2010 9:26 AM

Posted To: Pipeline Press

If there's one thing that an investor will never let any originator off the buyback hook for, it's fraud . Not only that, but the penalties can go far beyond merely buying back the loan, and saying' "My bad." Just in the last few days, Laura-Jean Arvelo and Ronald O'...Read More

Employment Situation Report: -54K Total Job Losses. Private Sector Adds 67k Positions. Bonds Sell

9/3/2010 7:30 AM

Posted To: MBS Commentary

THE EMPLOYMENT SITUATION – AUGUST 2010 – BETTER THAN EXPECTED From the Release... Nonfarm payroll employment changed little (-54,000) in August, and the unemployment rate was about unchanged at 9.6 percent, the U.S. Bureau of Labor Statistics reported today. Government ...Read More

The Day Ahead: August Employment Data to Drive Markets

9/3/2010 7:13 AM

Posted To: MBS Commentary

Markets are roughly flat Friday morning ahead of the widely anticipated employment report for August, which at 8:30 eastern time is set to show that jobs declined for the third straight month. Ninety minutes before the opening bell, the S&P 500 is down 0.75 to 1,089.00. The 10 ...Read More