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…
How Much Cash Do You Actually Need to Buy in Sonoma County?
May 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why $50,000 is the number most first-time buyers in Sonoma County should be targeting What actually makes up that figure beyond the down payment The impound…
Is Your Loan Jumbo?
May 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post The three loan tiers in Sonoma County and exactly where each limit sits Why jumbo financing is the Wild West — and what that means for…
Still Waiting to Buy?
May 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post The one question that usually reframes the whole decision for buyers on the sidelines Why waiting for rates or the market rarely works out the way…
What Mortgage Insurance Really Is (And How to Get Rid of It Faster)
May 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post What mortgage insurance is and who it actually protects The two factors that drive MI pricing on a conventional loan When MI gets removed and what…
Deal Deep Dive: Conventional Vs FHA + Rate Buydown
May 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post How a 2-1 temporary rate buydown works and what it actually costs How the seller funded the entire buydown through a concession Why conventional beat FHA…
