Seller Concessions vs. a Price Reduction – Take the Credit
July 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post The price-vs-credit reframe: same to the…
Mid-Summer Mortgage Moves: What Current Trends Mean for Your August Home Purchase or Refinance
Understanding Mid-Summer Mortgage Trends The peak of summer is upon us, and with it comes a lively real estate market.…
FHA Loans in Sonoma County – Who They’re Really For
July 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why an FHA loan is not…
The VA IRRRL – How the Streamline Refi Really Works
July 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post What a VA IRRRL (the streamline…
Fireworks and First Mortgages: How to Navigate the Summer Housing Market Before Labor Day
Understanding the Summer Housing Market The summer months, stretching from the Fourth of July to Labor Day, create a vibrant…
Why Mortgage Rates Take the Elevator Up and the Stairs Down
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why mortgage rates spike fast but…
The Rent Paradox – Why Paying Rent Doesn’t Mean You Qualify
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why paying rent on time does…
Self-Employed Mortgage Planning
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why self-employed borrowers need to start…
Rate Locks
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why you cannot lock a rate…
Homeownership and Hurricane Season: Essential Mortgage Advice to Secure and Protect Your Investment This July
Understanding the Impact of Hurricane Season on Homeownership As we approach the peak of hurricane season this July, it’s crucial…
Debt to Income (DTI)
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why a perfect credit score does…
Deal Deep Dive — Delayed Financing
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post How a client bought a $1,350,000…
