Self-Employed Borrowers and the Write-Off Trap
A self-employed mortgage requires a clear look at both your tax returns and your actual cash flow.
Keep Your Rate and Buy Up
A departing residence mortgage can help you keep a low rate while buying a new home.
The Number Your Hesitant Buyers Need to Hear
Home price expectations for 2026 give hesitant buyers useful context beyond today’s mortgage rate.
VA Appraisal and Tidewater
A VA appraisal and Tidewater follow a different path from a conventional low appraisal.
When NOT to Use Your VA Loan
Knowing when not to use a VA loan can protect your entitlement for the home where it matters most.
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…
