GTG Weekly — June 16, 2026
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…
FICO vs. Vantage Credit Score What Mortgage Buyers Need to Know
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…
Divorce Refinance — How to Remove a Spouse from the Mortgage
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…
The Market Isn’t Waiting on a Cut. It’s Waiting on Wednesday.
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…
Self-Employed Borrowers and the Write-Off Trap
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…
Keep Your Rate and Buy Up
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post How a client kept their COVID-era rate and still bought a new primary in Napa What lenders actually require to use rental income from a departing…
The Number Your Hesitant Buyers Need to Hear
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why rates are not the number your hesitant buyers should be focused on right now What Fannie Mae’s Q2 2026 Home Price Expectations Survey actually says…
VA Appraisal and Tidewater
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why a low appraisal on a conventional loan is a dogfight and a VA appraisal is not What Tidewater is and exactly how the 48-hour process…
When NOT to Use Your VA Loan
May 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why using your VA loan on a short-term home can be a costly mistake How to preserve your entitlement for the home that actually matters What…
What Bay Area Buyers Get Wrong in Sonoma County
May 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why Bay Area buyers almost always zero in on the Russian River area What makes river area properties different from a lending standpoint The unpermitted additions…
