What is the Difference Between Investment Property...

Whether a residence is classified as a second home or an investment property, matters when it comes to mortgage loans. People sometimes use the terms “investment property” and “second home” interchangeably to describe real property that is not their primary …

Fannie Mae HomeReady

In December of 2015, on a mission to make home buying easier,  Fannie Mae came out with a new lending product called HomeReady.   This program goes way beyond the flexibility of most other loan types, even ones considered …

How Interest Rates Affect the Housing Market

Mortgages come in two primary forms,  fixed rate and adjustable rate , with some hybrid combinations and multiple derivatives of each. A basic understanding of interest rates and the economic influences that determine the future course of interest rates can …

What Is Private Mortgage Insurance (PMI)?

 When it comes to buying a home, whether it is your first time or your fifth, it is always important to know all the facts. With the large number of mortgage programs available that allow buyers to purchase …

Getting Pre-Approved Should Always Be Your First S...

In many markets across the country, the number of buyers searching for their dream homes greatly outnumbers the number of homes for sale. This has led to a competitive marketplace where buyers often need to stand out.  One …

Sonoma County Housing Prices Continue to Rise as I...

When there is less of something that more people want, prices can increase. It doesn’t really matter what the “something” actually is. With greater demand and a shrinking supply, sellers can demand and get higher prices for the …

Now Offering Lower Credit Report Fees!

GTG Financial, Inc is proud to announce we have aligned ourselves with a new credit provider, Clear Choice Credit. ​​This new alliance will save our clients an average of $10 for each single and joint credit report we are …