About Gian
Who you're working with, and how I structure deals that fit real life.
Hi, I'm Gian Carlo Bavaro.
NMLS #1502605 · Senior Mortgage Broker, Clear 2 Close Home Loans
I specialize in residential forward mortgages and reverse mortgages, helping families all across Florida make confident homeownership decisions—whether buying, refinancing, moving up, investing, or unlocking equity in retirement. Since 2016, I've closed over 500 loans throughout Florida, from straightforward conventional and VA purchases/refis to complex self-employed, higher-amount FHA, non-QM, DSCR investor deals, and reverse mortgages (HECM and proprietary). Everything I've built has come from referrals by real estate agents, attorneys, estate planners, and past clients who value straight talk and creative structuring that actually works.
Born and raised in Broward County, I'm a proud South Florida native now raising my family in Coconut Creek. This is home, and I'm committed to serving our neighbors with honesty, integrity, and real care—without the fluff, just results.
By 22, I earned my MBA (top of my class — international MBA program at FIU). As an active men's study leader at Calvary Chapel Fort Lauderdale, I run my business on faith, family, and service — treating every client and referral partner like my own.
Let's structure the deal that fits your life.
Trust You Can Count On
Mortgage expert since 2016. MBA by age 22 — top of class, international MBA program at FIU.
Across purchase, refinance, and reverse mortgage closings — from first-time buyers to complex investor stacks.
South Florida native, bilingual English/Spanish, married 10+ years, raising my family in this community.
Clients consistently leave 5-star reviews highlighting honesty, reliability, and follow-through.
Creative Loan Solutions When Others Say No
I specialize in residential forward mortgages and reverse mortgages, structuring deals that fit your goals—whether buying a first home, moving up, refinancing for lower payments or cash-out, scaling rentals, or unlocking equity in retirement with no monthly mortgage payments.
Conventional, FHA, VA, Jumbo, and High-Balance loans — competitive rates, fast underwriting, and programs like First-Time Homebuyer, Down Payment Assistance, Renovation / Construction, and Second Mortgages / HELOCs.
- ›Conventional · FHA · VA · Jumbo
- ›First-Time Homebuyer & DPA
- ›Renovation / Construction
- ›Second Mortgages & HELOCs
When W-2 income doesn't tell the full story, I have four ways to say yes.
- ›Non-QM & Bank Statement — 12–24 mo deposits, no returns
- ›DSCR Investor — qualifies on property cash flow, LLC-friendly
- ›Foreign National & ITIN — international buyers, no U.S. credit needed
- ›Self-Employed & Retiree/Senior programs
Reverse Mortgages (HECM & Proprietary) — tax-free equity access with no monthly payments required.
- ›HECM (FHA-insured) & Proprietary jumbo reverse
- ›Best fit: SFR and fee-simple townhomes/villas
- ›Condos handled case-by-case for smooth approvals
- ›Purchase and refinance options
Gian Carlo Bavaro, Mortgage Loan Originator | NMLS #1502605 | FL License # LO36526. Clear 2 Close Home Loans, NMLS #1700825 | Florida Mortgage Broker License # MBR2736 | Florida Mortgage Lender License # MLD1641. Equal Housing Lender | Se Habla Español.