Robby Dearth

July 2026  |  GTG Financial  |  Santa Rosa, CA HELOC vs Cash-Out Refinance: How to Tap Your Home Equity Without Losing Your Low Rate A HELOC lets you borrow against your home equity through a second loan, so your first…

July 2026  |  GTG Financial  |  Santa Rosa, CA TL;DR: What’s in This Post The price-vs-credit reframe: same to the seller, different for you Why knocking $1,000 off the price only saves about $7 a month How to put a…

July 2026  |  GTG Financial  |  Santa Rosa, CA TL;DR: What’s in This Post Why an FHA loan is not only for first-time buyers The mortgage insurance detail most people never hear (500 or 850, same cost) The 3.5% down…

July 2026  |  GTG Financial  |  Santa Rosa, CA TL;DR: What’s in This Post What a VA IRRRL (the streamline refi) is, and what it skips Why the “4% refi” offers flooding your mailbox are usually a trap How a…

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 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…