June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why mortgage rates spike fast but fall slowly Where rates actually stand right now, and why the level is not the problem What Thursday’s jobs report…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why paying rent on time does not prove you qualify for a mortgage How a lender measures you differently than a landlord does What debt-to-income is,…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why self-employed borrowers need to start the mortgage conversation years before they are ready to buy How traditional tax-return-based qualifying works against self-employed income and what…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why you cannot lock a rate before you have a property in contract What locking the rate sheet actually means and why it gives you more…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why a perfect credit score does not guarantee mortgage approval What debt to income ratio actually is and why the back end number is the one…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post How a client bought a $1,350,000 Santa Rosa home all cash using a 60-day IRA margin loan What delayed financing is and how the refi works…
June 16, 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Issue Why inflation looked worse than it actually was The two numbers that have been fighting inside the CPI data What the peace deal actually does…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post What FICO and Vantage are and how they differ as credit scoring models Why Vantage often scores higher on the same borrower How large the gap…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why a quit claim deed does not remove a spouse from the mortgage Two paths: waiting for the decree vs. refinancing mid-divorce How a court-ordered cash…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why Friday’s jobs report shifted the rate cut conversation How the Federal Reserve and mortgage rates actually work Where rate cut expectations stand right now Why…
