Robby Dearth

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…

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…

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…

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…

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…

May 2026  |  GTG Financial  |  Santa Rosa, CA TL;DR: What’s in This Post What CPI actually measures and how it is reported The difference between headline CPI and core CPI, and why it matters How the inflation report typically…

Deal Deep Dive  |  May 2026  |  GTG Financial  |  Santa Rosa, CA TL;DR: What’s in This Post What bonus entitlement is and how it works across two properties How the VA departing residence rule works – and why it’s…

VA Loan Series  |  May 2026  |  GTG Financial  |  Santa Rosa, CA TL;DR: What’s in This Post Where VA loan myths actually come from What a VA inspection really involves Why veterans have the lowest default rate of any…

VA Loan Series  |  May 2026  |  GTG Financial  |  Santa Rosa, CA TL;DR: What’s in This Post Why most veterans think their VA loan is a one-time benefit, and why that’s wrong How VA entitlement actually works across multiple…