Younger property owners are grappling with an increasing debt of all types and failing to meet their mortgage payments to pay oﬀ other charges. This is exactly the kind of situation that one acclaimed home loan expert aims to ﬁx with her in-demand savings seminars.
From ‘1st time Buyer Seminars’, Building Generational Wealth through Homeownership, to learning about starting a business, to discovering how to establish credit, the seminars are the ideal way for award-winning mortgage oﬃcer Ciera Taylor to use her expansive knowledge of the ﬁnancial industry to help future generations learn how to succeed.
Ciera helms as Vice President of PrimeStone Mortgage, located in Irvine, where she combines her wide-ranging expertise with an unrivaled network of professionals to help her clients achieve any ﬁnancial dreams they may have – owning a home, securing a steady income during retirement, and more.
Bringing Financial Literacy to Universities
Once a 1st time buyer herself to now multi-property owner, and an Alumni of UNLV, her personal experiences combined with 15 years of experience in the ﬁnancial industry, Ciera has rapidly garnered a reputation as the go-to home loan oﬃcer for Gen Z, millennial property buyers, and luxury real estate investors, as they rely on her ﬁrstclass expertise.
“If I knew then what I know now, I would have started investing in Real Estate much sooner. I wish there would have been more real-world education on the Real Estate buying process in college, which I believe would have saved me from making some of the ﬁnancial mistakes I made in my early 20’s” Says Ciera.
Today, she is netting an ever growing base of young investors by embracing social media and other avenues, to ensure future generations receive the proper ﬁnancial literacy they require to pay down their debts while saving for the future.
Her mission is to empower younger prospective buyers with resources and home-buying secrets to ensure they are a step ahead to achieve their future home buying goals. Ciera started oﬀ hosting several 1st-Time Buyer seminars in her local communities, which then led her to take her speaking engagements a step further and speak about the importance of building generational wealth on a larger scale.
She’s been invited to host generational wealth-building seminars for multiple colleges, and most recently at UCLA. Imagine having seasoned professionals from every industry of wealth and ﬁnance coming together and personally mentoring students on how to achieve the ﬁnancial independence that they aspire to. This is the comprehensive and educational approach Ciera is now using to create the impact she is set to make. UCLA was just the ﬁrst of many universities.
“Younger generations are not to blame for lacking complete ﬁnancial literacy,” says Taylor. “Many of them simply don’t know where to start their search for educational material they need to begin their path to investing or any other ﬁnancial goals they are seeking.”
With collective years of experience from various sectors of ﬁnance and real estate, Ciera knows the ebbs and flows of her industry. With merit, she can oﬀer investors of any age ﬁrst-rate tips and strategies that can otherwise be diﬃcult to ﬁnd.
Ciera connects with younger generations by spreading the word about her seminars on social media, which is just one example of how she stays up to date on industry marketing trends in the mortgage industry, and makes it easy for her to connect with her clients.
And there’s never been a more important time for Ciera’s understanding of home loans, with one recent news article highlighting millennials and Generation Zers missing monthly mortgage payments as a result of paying down medical bills and other debts instead. If someone falls too far behind on their monthly home loan payments, the lender will likely start the repossession process, which can be a lengthy, costly, and highly stressful situation.
Diversely, Ciera publishes thoughtful media content dedicated to financial literacy by way of Instagram to her 6,000+ followers.
For example, a recent Instagram post that swiftly racked up thousands of views featured Ciera being interviewed about the differences between an FHA loan — which is a mortgage that the Federal Housing Administration insures — and a conventional loan for buyers.
Viewers’ comments praised Ciera on her immense knowledge and insight, and the information she mentioned regarding home loans that could, in fact, make a difference between someone losing out on their ideal home or obtaining their dream property.
Ciera, who was awarded the title of being among the top 1 percent of best loan officers in California in 2021, says her quest is not only professional but also personal. “Every day I start by thinking about what I can do in the next 24 hours to make each client’s dreams more attainable,” she says. “But helping others isn’t exclusive to my clients. It also means, using my seminars to reach the broadest audience possible, so that everyone can get a boost.”