Robby Dearth

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…

June 2026  |  GTG Financial  |  Santa Rosa, CA TL;DR: What’s in This Post Why writing off income on your taxes can work against you when qualifying for a mortgage What a bank statement loan is and who it is…